Beyond the heart-wrenching impact of major storms and fires, changes in climate are affecting insurance considerations and costs for policyholders.

Of the top 20 counties for fire risk, over half have growing populations and six are in the top 10% of fastest-growing counties, according to ClimateCheck.

Hurricane Iota, the record 30th named storm this year, could trigger a humanitarian crisis in an already vulnerable region.

In an appeal for federal aid, Calif. Gov. Newsom asserted infrastructure damage estimates for 2020 fires exceeded $229 million.