The US goal to reduce health risks from environmental exposures of all kinds has resulted in the need to assess the risks from exposure to microbes in drinking water. One way of doing this is to define and use a risk-based conceptual framework and strategy, which involves systematically identifying, analyzing, quantifying, and characterizing these microbial risks; comparing them with the risks from chemicals, especially disinfectants and their by-products; and then defining and implementing a risk management plan that presents the lowest risk to the consumer. Includes 38 references, figure.