The paper proposes to use the utility theory for the synthesis of multivariate models of assessing the impact of changing climatic conditions and the disaster assessment in the implementation of the socio-economic approach. The work contrasts two situations of environmental impact (external influence) on the society systems. A feature of each of the situations is the duration and intensity of impact, which leads to its unique consequences. Socio-economic approach takes account equally the economic, social and environmental impacts. The paper proposes a universal model to assess the impact of external influences on the system. Considering information technologies that provide a procedure for assessing risks and consequences of natural disasters in socio-economic systems.