Which term is used to describe an event that could potentially harm individuals or damage property?

The term that accurately describes an event with the potential to harm individuals or damage property is "Threat." This term encompasses various situations or circumstances that pose a level of danger, indicating the likelihood that such harm could occur. In risk management and safety contexts, identifying threats is crucial for implementing protective measures and mitigating potential harm.

While "Risk" relates to the possibility of an adverse event occurring, it does not specifically signify the event itself but rather the probability and impact. "Incident" generally refers to an occurrence that has already taken place, often resulting in damage or injury, and "Near Miss" describes a situation that nearly led to an incident but resulted in no actual harm. Understanding these distinctions is key in risk assessment and management approaches.