Remember the Great Texas Freeze this past February?

Record-breaking temperatures gave way in some places to snowfalls not seen since the Truman administration.

Then the pipelines that supply natural gas to power plants froze up.

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Families huddled for warmth in the dark for days, and the nation watched their misery on TV.

Those are extreme weather events, but even the everyday has become more extreme.

Moreover, 19 of the warmest years on record have occurred since 2000.

four climate change images the springs fire in california a flood cause by hurricane florence in south carolina the aftermath of hurricane katrina in mississippi and the recent freeze in texas that caused major power outages

To assess these risks, theAARP Bulletintalked with more than three dozen experts and reviewed more than 90 studies.

Some California residents saw their fire insurance jump 300 percent in 2019 after big burns there.

But another factor in rate increases is uncertainty.

two images a backup generator behind a grocery store in florida and a farmer showing his drought ruined crop

That means higher bills.

All of this is also leading to an overhaul of the system.

And you don’t have to live in harm’s way to feel rates rise.

two images one of people being rescued from flooding and another of a house built on stilts

Even more vulnerable are specialty crops such as coffee, cacao, tea, honey and vanilla beans.

Risk:Climate mitigation

Impact:More green investment

Within any crisis, opportunity and hope arise.

Companies are investing in green technologies, and their successes could boost your retirement or investment funds.

Some are investing in such assets as green bonds, wind power stocks and clean energy funds.

Yet just like any jot down of investing, risks remain.

Investors could lose money, Whelan warns.