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This article presents the limitations of current climate-related disaster risk reduction policies that do not incorporate the underlying conditions in urban areas like Mumbai. It argues that climate risks exist at the intersection of changing nature of extreme events due to changes in climate (physical risk); presence of people, infrastructure, and resources in locations where these events are occurring (exposure); and the inability of exposed communities to reduce these losses or cope with them (vulnerability) due to simultaneous socioeconomic and political stresses. Hence, the article concludes that it is critical to apply a broader approach to understand the workings of underlying processes that affect all components and contribute to the production of risk and vulnerability in society. [ABSTRACT FROM PUBLISHER]