Volcanoes affect people in many ways, some are good, some are not. Some of the bad ways are that houses, buildings, roads, and fields can get covered with ash. As long as you can get the ash off (especially if it is wet), your house may not collapse, but often the people leave because of the ash and are not around to continually clean off their roofs. If the ashfall is really heavy it can make it impossible to breathe.
Lava flows are almost always too slow to run over people, but they can certainly run over houses, roads, and any other structures.
