A wide range of threats and hazards can cause an incident and result in damage that needs to be repaired.
For an Emergency Declaration, an incident is defined as any instance that the President determines warrants supplemental emergency assistance to save lives and protect property and public health and safety, or to lessen or avert the threat of a catastrophe.
For a Major Disaster Declaration, an incident is defined as any natural catastrophe, or regardless of cause, any fire, flood, or explosion.