Step 1: Identify the river system.
Eastern/North Bihar is drained by Kosi, Gandak, Bagmati and other Himalayan rivers carrying heavy silt.
Step 2: Explain the hazard.
During the southwest monsoon, these rivers frequently overflow and change course, breaching embankments and causing severe floods (hence Kosi is called “Sorrow of Bihar”).
Step 3: Eliminate others.
Earthquakes occur but floods are the recurring hazard; drought is less typical for this belt.
Step 4: Conclusion.
Therefore, (B) Flood.