The all-hazards umbrella refers to:

The concept of the all-hazards umbrella encompasses a comprehensive approach to emergency management that focuses on preparing for a wide variety of potential disasters, rather than just categorizing them into specific types. This includes not only natural disasters such as hurricanes, earthquakes, and floods but also human-created disasters like terrorism, industrial accidents, and public health emergencies.

By adopting an all-hazards approach, emergency management and homeland security efforts are able to create flexible, adaptable plans that can be applied to any number of threats. This means that training, resources, and response strategies are developed with a mindset that prepares responders and communities for the full spectrum of risks they may face.

Thus, the all-hazards umbrella is accurately described by the option that includes preparation for all potential disasters, as it recognizes the interconnectedness of different types of risks and emphasizes the importance of a unified, versatile strategy for enhancing resilience across communities.