Strange as it might sound, this part of the business community might be more effective at slowing climate change than our federal government. Aside for higher costs for flood insurance, I foresee exclusions for rebuilding in flood-prone areas. In other words, you would be compensated by your flood insurance only if you rebuilt/ purchased elsewhere.

www.nytimes.com/2019/07/24/climate/moodys-ratings-climate-change-data.html