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Figure 15.5 |  Key risks in small islands. KR1 to KR8 are interconnected as shown by arrows, which causes risk accumulation leading to reduced island habitability. The main interconnections are shown in this figure: for example, loss of marine and coastal and terrestrial biodiversity and ecosystem services (KR1 and KR3, respectively) are projected to cause the submergence of reef islands (KR2), water insecurity (KR4), destruction of settlements and infrastructure (KR5), degradation of human health and well-being (KR6), economic decline and livelihood failure (KR7), and loss of cultural resources and heritage (KR8). Importantly, KRs result from both direct effects (e.g., decrease in rainfall will increase water insecurity) and indirect effects (e.g., loss of terrestrial biodiversity and ecosystem services will increase water insecurity, which will in turn cause the degradation of human health and well-being).