HSK C5/W3/V5
Correct

灾

/ zāi / 
Strokes

Definition

disaster/calamity

Example

As a Noun
disaster; calamity; catastrophe
1
Zāi
灾
hòu
后
sǔnshī
损失

consequential loss/damage

2
Zāi
灾
hòu
后
chóngjiàn
重建
gōngzuò
工作

disaster rehabilitation work

As a Noun
personal misfortune; adversity; mishap
3
Tā
她
zhè
这
yīshēng
一生
duōzāiduōnán
多灾多难
  
。

She suffered one misfortune after another all through her life.

4
Méi
没
bìng
病
méi
没
zāi
灾

good health and good luck; suffer from neither illness nor mishap