Even George Rombio agreed climate change is positive for northern climates. The desserts are retreating and the earth re-greening. The climate winners enjoy longer growing seasons and more arable land. If see levels rise, we can build sea walls and levies. But if you choose to rebuild after disasters, instead of relocating, which used to be the norm, then each time you rebuild you increase your risk from severe weather events. Naturally insurers take a dimm view of that. It is U.S. policy causing your biggest problems.