///In this paper, the classical disaster risk-assessing model was modified to assess natural disasters risks, especially in quantifying possible loss and risk severe level. Disaster risk was attributed to three main factors: disaster damage force (D), disaster resilience society exposure (E), and disaster-breeding environment (P). Disaster risk is the function of these three factors. Damage force (D) indicates damage rate of a disaster in a certain intensity, which might be obtained from results of disaster events in the past. Exposure (E) includes mainly personnel, property/economic and natural resources. D and E give the quantified vulnerability of a region. Disaster-breeding environment (P) gives the occurrence possibility of environmental conditions, such as geological structure, land surface materials, land cover, and cycling occurrence event etc. P was characterized by a parameter in this paper. Shanxi Province, a high frequent earthquake region, was taken as a case study. This method has improved in two aspects: firstly quantifying possible losses, and secondly avoiding the constraint in disaster prediction to make the calculation possible.