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If you can expect a quick response from the EMT, fire, or police, then you have an emergency.
If you cannot expect a quick response, you have a disaster.
For example: if the fire department comes quickly to put out your house fire, you have an emergency. But if the fire department doesn't come to put out your house fire because the whole city is in flames from an earthquake, war, alien invasion, or a rampaging Godzilla, you have a disaster.
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