Share on Facebook Share on Twitter Share on Google+ Share on Linkedin There were significant insured losses from natural disasters in 2019, according to Dr. Phil Klotzbach, a research scientist in the Department of Atmospheric Science at Colorado State University (CSU). While there $45 billion in losses reported, it is difficult to say home much is that was driven by climate change. Still, climate change is affecting occurences of flood, wildfires and hurricanes. the warmer atmosphere will affect thunderstorms and hurricanes, which will exacerbate flooding. While the U.S. tends to have a full gamut of natural disasters, changes in populations density, demographics and human intervention have an impact on insured losses. In the last two years, wildfires are causing damages that are usually associated with hurricanes – $10, even $20 billion. The 2020 hurricane season begins June 1, with 90 percent of storms occurring from August to October. Dr. Klotzbach and his team at CSU are watching what is happening with El Niño, delivering warmer than usual water in central and eastern tropical Pacific Ocean, which reduced the likelihood of an active hurricane season in the Atlantic. Currently, NOAA (National Oceanic and Atmospheric Administration) says there is a 25 percent chance of El Niño conditions. Dr. Klotzbach suggests consumers check there insurance policies in advance of potential natural disasters, and undertake some reasonably priced mitigation efforts as well.