The correct answer is: Both a and b.
Punjab is a state in northwestern India. It is located in the Indo-Gangetic Plain, which is a region that is prone to floods and earthquakes. In fact, Punjab has experienced several major floods and earthquakes in recent years.
Floods are caused by heavy rains or melting snow. They can cause widespread damage to property and infrastructure, and can also lead to loss of life. The most recent major flood in Punjab occurred in 2014, when heavy rains caused the Sutlej River to overflow its banks. The floodwaters inundated several towns and villages, displacing thousands of people.
Earthquakes are caused by the movement of tectonic plates. They can cause buildings to collapse, roads to crack, and bridges to fall. The most recent major earthquake in Punjab occurred in 1905, when a magnitude 7.7 earthquake struck the region. The earthquake killed over 20,000 people and caused extensive damage to property.
Punjab is also at risk from other natural hazards, such as landslides and droughts. However, floods and earthquakes are the two most common natural hazards that affect the state.