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El Niño gets a lot of publicity in relation to major storms, such as Hurricane Patricia or severe blizzards, but it can have an impact on day-to-day weather as well, explains Elaine Montgomery-Baisden, vice president and chief underwriting officer, Personal Insurance, for Travelers.

What is “El Niño”? The National Oceanic and Atmospheric Administration defines it as a weather pattern characterized by unusually warm ocean temperatures in the Equatorial Pacific. El Niño is credited (or blamed) for increased rainfall across the southern tier of the U.S., which has caused destructive flooding, and for drought in the West Pacific.

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