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• A risk assessment model is proposed for evaluating the cultural heritage. • The model integrates the AREC Cards, the Factsheets and the SMARTER method. • A set of indicators calculates a risk index w.r.t. fires, earthquakes and floods. • The risk assessment model support the decision-making in managing extreme events. Nowadays, the topics related both to the safeguard and the valorization of cultural heritage and cultural assets are getting more attention in the political agenda. Innovative approaches to implement both the risk analysis and the resilience assessment are ever more required. This paper illustrates an original approach, concerning the development of a risk assessment model for cultural assets, with reference to fire, earthquake and flood. The proposed model includes specific evaluation tools, that are based on parameters and indicators related to the factors of hazard and vulnerability for the three considered types of risk. The multi-dimensional set of indicators is used to get synthetics indices, through a multicriteria approach. Furthermore, this evaluation is supported by specific questionnaires to include in the assessment model the opinion of different experts and stakeholders to introduce the indicators weights. The results of this model are represented by specific evaluation tools which can be implemented in the risk assessment of cultural assets in different specific situations. [ABSTRACT FROM AUTHOR]