Shortly after you have harvested, civil war breaks out in your country. Trying to stay out of trouble, you are plundered by both sides, leaving you with very little when the conflict is finally settled.
You lose some crops, livestock, tools and structures, and living costs increase this year.
When this event occurs, there’s roughly 75% risk that each owned crop, livestock, tool, and building is lost.
The player’s living costs for the year will also increase by a random amount, potentially costing all the player’s savings.
For game balancing reasons, this event is more likely to happen when the player is performing well and is getting ahead in the game.
WikiPedia list of civil wars:
“Poverty and Civil War: What Policy makers Need to Know”, Brookings, 2006:
“The consequences of internal armed conflict for development (part 1)”, SIPRI, 2015: