We saw flood after flood earlier this year in New Zealand. It became clear that things have changed. Thousands of houses were lost.

This is just the beginning.

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This is what happens when you replace trees with concrete

So much work has been done on the risk profiles of different places. For example check out the extensive reporting here https://www.ipcc.ch/report/ar6/wg2/downloads/report/IPCC_AR6_WGII_Annex-I.pdf

Of course, in some places the impacts are arriving faster but this gives a good framework if adaptation is a priority, which it should be of course.