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Climate risk insurance is a type of insurance designed to mitigate the financial and other risk associated with climate change, especially phenomena like extreme weather. [ 22 ] [ 23 ] [ 24 ] The insurance is often treated as a type of insurance needed for improving the climate resilience of poor and developing communities.
The impacts of climate change will not affect everyone equally (Smith et al., 2001). [6] Some individuals, sectors, systems, and regions will be less affected, or may even benefit. In general, developing countries are at a greater risk of adverse impacts from climate change than are developed countries (IPCC, 2001). [ 1 ]
Climate risk insurance is a type of insurance designed to mitigate the financial and other risk associated with climate change, especially phenomena like extreme weather. [ 1 ] [ 2 ] [ 3 ] The insurance is often treated as a type of insurance needed for improving the climate resilience of poor and developing communities.
A review summarized confidence, probabilities and costs-severities – such as economic costs, financial costs and number of early losses of life – of links to climate change and identified potential ways for the improvement of the field such as "improving the recording of extreme weather impacts around the world, improving the coverage of ...
While FEMA flood maps showed 8 million properties to be in high-risk flood zones where the estimated flood risk is 26% over the course of a 30-year mortgage, climate risk research in September 2024 estimated that 18 million properties are at the level of risk of a FEMA high-risk flood zone because more than one-fifth of FEMA flood maps for ...
With a warmer climate, like that brought about by climate change, there is a risk of an increase in vector- borne diseases such as yellow fever, dengue fever [47] and malaria. [48] Leishmaniasis, a disease transmitted by sandflies, is currently found only in the Mediterranean area, but could spread northwards with a warmer climate. [47]
Adapting to climate change through efforts like flood control measures or drought-resistant crops partially reduces climate change risks, although some limits to adaptation have already been reached. Poorer communities are responsible for a small share of global emissions , yet have the least ability to adapt and are most vulnerable to climate ...
Climate risk management (CRM) is a term describing the strategies involved in reducing climate risk, through the work of various fields including climate change ...