A person's residency in a particular area of a country is a personal circumstance capable of exposing that person to a risk of significant harm 'personally' within the meaning of s 36(2B)(c) of the Migration Act 1958 (Cth), and the comparison required by that provision is between the risk faced by the non-citizen and the risk faced by the population of the whole country, not the population of the particular area in which the person resides.
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