被 means “suffer, cover”

ひ · hi

Also: incur, veil, brood over

Kun'yomi (Japanese reading)
こうむる, おおう, かぶる, かぶせる
On'yomi (Chinese reading)
ヒ

JLPT N2 · Taught in secondary school · 10 strokes

The story

Clothes (衤) pulled over the skin (皮): something laid on top of you, for better or worse. 帽子を被る is to put on a hat, but 被害 is harm suffered, and a 被災地 is a town struck by disaster.

Used in 被害 (higai, damage/harm), 被る (kaburu, to put on a hat), and 被災 (hisai, being hit by a disaster)

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Readings from KANJIDIC2, © EDRDG, CC BY-SA.