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PHOTOS: We waded into parts of Philadelphia that are underwater after remnants of Hurricane Ida swept through the region

<p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span><a href="http://www.apimages.com/metadata/Index/Trump-Country-Considering-Climate/48a530fb4615492da01bdff8a1b81a02/30/0">David Goldman/AP</a></span></p><p class="caption">A man walks past debris from homes on his street damaged in flooding from Hurricane Harvey as an oil refinery stands in the background in Port Arthur, Texas, Thursday, Sept. 28, 2017.</p></div><p></p></div></div></p><ul class="summary-list"><li><strong>Natural disasters and their associated costs are at an all-time high and are expected to escalate. </strong></li><li><strong>Though federal programs are in place to help individuals and communities rebuild from disasters like extreme flooding or fires, analysis by NPR found funding has disproportionately benefited wealthier communities with higher rates of white, non-Hispanic residents.</strong></li><li><strong>The report comes amid record-breaking years of damage from natural disasters, which are expected to grow more extreme as climate change worsens. </strong></li></ul><p>As natural disasters become increasingly common, federally funded recovery programs are in high demand to help those affected by issues like flooding.  However, FEMA aid programs have not only been found to disproportionately benefit wealthier communities but also exaggerate disparities across racial divides, <a href="https://www.npr.org/2019/03/05/688786177/how-federal-disaster-money-favors-the-rich" target="_blank" rel="noopener">according to NPR</a>. </p><p>One major program by the agency that falls into this trap is that which offers lumps of <span>federal and local money to purchase damaged homes, like those ruined in Texas' Hurricane Harvey, to convert the lots into green space, so they won't be involved in a natural disaster, such as flooding, again.</span></p><p><span>Though aid is available to all affected in a disaster, the report found flooding sparks the sharpest imbalance among those who benefit from aid, as the majority of such buyouts went to communities that were more than 85 percent white and non-Hispanic, according to NPR analysis of <a href="https://www.npr.org/2019/03/05/696995788/search-the-thousands-of-disaster-buyouts-fema-didnt-want-you-to-see" target="_blank" rel="noopener">nearly 40,000 acquisitions</a>.</span></p><p><span>The report notes that this is in part because of the system's cost-benefit methodology, which favors more valuable properties and those who own them, but the distribution of money ultimately occurs at the state level, limiting the agency's ability to control demographic effects. </span></p><p><span>The money from the voluntary acquisition can offer beneficiaries funds that allow for relocation, but can be out of reach for low-income applicants who face a number of logistical problems in applying for any aid, including long waiting periods, obtaining paperwork, accessing online resources, or taking time off work to coordinate with the agency. </span></p><p><span>An agency official told NPR that they expect aid programs like the buyouts to grow as climate change brings more extreme disasters and widespread damage. </span></p><p><span><em><strong>Read more</strong>: <a href="https://www.businessinsider.com/deadly-us-tornadoes-storms-southeast-getting-worse-2019-3">A tornado outbreak that killed 23 people confirms scientists' fears: Tornadoes in the Southeastern US are getting worse</a></em></span></p><p>In 2018, there were 14 weather and climate disaster events with losses exceeding $1 billion each across the United States, <a href="https://www.ncdc.noaa.gov/billions/" target="_blank" rel="noopener">according to data</a> from the National Oceanic and Atmospheric Association. </p><p>The previous year was estimated to be the most expensive on record for those affected by disasters, with <a href="https://www.climate.gov/news-features/blogs/beyond-data/2017-us-billion-dollar-weather-and-climate-disasters-historic-year" target="_blank" rel="noopener">$306.2 billion in damage</a> after more than five major hurricanes across the country. </p><p>Climate change has already been projected to be capable of major damage to specific demographics by studies like the <span><a href="https://nca2018.globalchange.gov/" target="_blank" rel="noopener">recent National Climate Assessment</a></span>, which forecasts that already vulnerable populations will suffer the most as access to basic resources including <span>water, food, and medical care come under threat. </span></p>    <div class="margin-top">        <h3>NOW WATCH: <a href="https://www.businessinsider.com/what-el-chapo-joaquin-guzman-really-like-cartel-wives-2017-10">What El Chapo is really like, according to the wife of one his closest henchman</a></h3>        <div>                    </div>    </div>

federal emergency funds benefit richer, whiter communities, studies show

<p></p><div class="KonaFilter image-container display-table"><div><div class="image on-image"></div><p></p></div></div><ul class="summary-list"><li>Fox News host Chris Wallace said Christine Blasey Ford's<a href="https://www.businessinsider.com/brett-kavanaugh-christine-blasey-ford-senate-hearing-testimony-2018-9"> emotional testimony before the Senate Judiciary Committee</a> on allegations of sexual assault against Supreme Court nominee Brett Kavanaugh amounted to a "disaster for the Republicans."</li><li>"This was extremely emotional, extremely raw, and extremely credible... This is a disaster for the Republicans," Wallace said.</li><li>Ford alleges Kavanaugh assaulted her at a high school party when they were teenagers, attempting to force himself on her and undress her.</li><li><a href="https://www.businessinsider.com/brett-kavanaugh-christine-blasey-ford-senate-hearing-testimony-2018-9" target="_blank" rel="noopener">Follow live coverage of Ford's testimony here</a>.</li></ul><p>Fox News host Chris Wallace on Thursday said Christine Blasey Ford's emotional testimony before the Senate Judiciary Committee on allegations of sexual assault against Supreme Court nominee Brett Kavanaugh amounted to a "disaster for Republicans."</p><p>"This was extremely emotional, extremely raw, and extremely credible. ... This is a disaster for the Republicans," Wallace said.</p><p>"She obviously was traumatized by an event," Wallace added.</p><p>His colleague, Bret Baier, said it was&#xa0;"a totally different thing" to hear Ford's testimony compared with reading about her allegations.&#xa0;</p><p>Ford alleges Kavanaugh assaulted her at a high school party when they were teenagers, attempting to force himself on her with the help of a friend, Mark Judge. She claims Kavanaugh covered her mouth when she attempted to scream, and said at times that she worried he'd accidentally kill her.&#xa0;</p><p>During her opening remarks on Thursday, Ford said she was "terrified" to be there but felt it was her "civic duty."</p><p>Ford's testimony elicited tears from some members of the audience.&#xa0;</p><p>Kavanaugh has vehemently denied the allegations and was also set to testify on Thursday.&#xa0;</p><h2>Read Business Insider's full coverage of the Ford-Kavanaugh hearing:</h2><ul><li><a href="https://www.businessinsider.com/brett-kavanaugh-christine-blasey-ford-senate-hearing-testimony-2018-9" target="_blank" rel="noopener">Watch live updates of the Ford-Kavanaugh hearing here</a></li><li><a href="https://www.businessinsider.com/christine-blasey-ford-full-testimony-brett-kavanaugh-sexual-assault-2018-9" target="_blank" rel="noopener">'I am terrified': Ford details her sexual-assault allegation in gut-wrenching opening statement</a></li><li><a href="https://www.businessinsider.com/brett-kavanaugh-remarks-senate-hearing-christine-blasey-ford-2018-9" target="_blank" rel="noopener">'I will not be intimidated into withdrawing': Kavanaugh defiant in prepared remarks for Senate hearing</a></li><li><a href="https://www.businessinsider.com/christine-blasey-ford-brett-kavanaugh-uproarious-laughter-memory-2018-9" target="_blank" rel="noopener">Ford says the strongest memory she has of Kavanaugh's alleged sexual assault was 'the uproarious laughter'</a></li><li><a href="https://www.businessinsider.com/why-christine-blasey-ford-came-forward-brett-kavanaugh-allegations-2018-9" target="_blank" rel="noopener">Ford says she decided to come forward after reporters were sitting outside of her house and showing up in her classroom where she taught</a></li><li><a href="https://www.businessinsider.com/christine-blasey-fords-lawyers-release-polygraph-test-about-assault-2018-9" target="_blank" rel="noopener">Here is the polygraph test Ford took following her sexual assault allegations against Kavanaugh</a></li><li><a href="https://www.businessinsider.com/mark-judge-brett-kavanaugh-high-school-friend-christine-ford-2018-9" target="_blank" rel="noopener">Meet Mark Judge, Kavanaugh's high-school friend and the other man who's becoming central to the allegations</a></li><li><a href="https://www.businessinsider.com/brett-kavanaugh-sexual-assault-misconduct-allegations-2018-9" target="_blank" rel="noopener">Here are all the allegations against Kavanaugh</a></li><li><a href="https://www.businessinsider.com/anita-hill-christine-blasey-ford-comparison-brett-kavanaugh-clarence-thomas-2018-9" target="_blank" rel="noopener">How the Ford-Kavanaugh hearing compares to the 1991 Anita Hill hearing</a></li><li><a href="https://www.businessinsider.com/rachel-mitchell-prosecutor-christine-blasey-ford-kavanaugh-hearing-2018-9" target="_blank" rel="noopener">Meet Rachel Mitchell, the woman questioning Ford about her Kavanaugh allegations</a></li><li><a href="https://www.businessinsider.com/brett-kavanaugh-bio-photos-trump-supreme-court-pick-2018-7" target="_blank" rel="noopener">Meet Brett Kavanaugh, 'the Forrest Gump of Republican politics'</a></li></ul><div></div>    <div class="margin-top">        <h3>NOW WATCH: <a href="https://www.businessinsider.com/inside-trump-maga-hat-factory-california-make-america-great-again-2018-8">Inside the Trump 'MAGA' hat factory</a></h3>        <div>                    </div>    </div>

Fox News host Chris Wallace on Christine Ford testimony: 'This is a disaster for the Republicans'

<p><div class="KonaFilter image-container display-table"><div><div class="image"></div></div></div></p><ul class="summary-list"><li><a href="https://www.businessinsider.com/category/extreme-weather">Extreme weather</a> and <a href="https://www.businessinsider.com/category/natural-phenomena">natural phenomena</a> have always been on the radar, but in recent years the intensity and frequency of <a href="https://www.businessinsider.com/category/storms">storms</a> and <a href="https://www.businessinsider.com/category/natural-disasters">natural disasters</a> have increased. </li><li>Scientists have linked this increase to <a href="https://www.businessinsider.com/category/climate-change">climate change</a>. </li><li>Under these new norms, extreme weather is causing more damage than it used to.  </li><li>Here is an inside look at how extreme weather and natural disasters are getting more intense.</li><li><a href="https://www.businessinsider.com/">Visit Business Insider's homepage for more stories.</a></li></ul>

36 photos show how extreme weather and natural disasters have gotten more intense over the years

<ul class="summary-list"><li>Americans are still moving into areas with high risk of <a href="https://www.businessinsider.com/climate-crisis-could-turn-around-this-decade-ipcc-report-2022-4">climate</a>-driven <a href="https://www.businessinsider.com/us-tornadoes-highlight-rising-risk-climate-change-supply-chains-2021-12">extreme weather</a>.</li><li>Experts expect floods, <a href="https://www.businessinsider.com/wildfires-smoke-pacific-northwest-bring-new-peak-to-air-pollution-2022-4">fires</a>, storms, and heat waves to fuel increasing <a href="https://www.businessinsider.com/map-international-migration-us-counties-people-moving-pandemic-2022-4">migration</a> <a href="https://www.businessinsider.com/climate-2020-every-us-region-record-extreme-weather-2020-12">across the US</a>.</li></ul><p>In late December, amid the depths of Colorado winter, the Marshall Fire roared through the suburbs east of Boulder, fueled by powerful winds. Destroying more than 1,000 homes, it became the most destructive blaze in history.</p><p>That's why Jeni Arndt, the mayor of nearby Fort Collins, says it's a relief to see population growth finally slowing down in her city. The fires and droughts are just getting worse.</p><p>"We're still seeing robust growth in Colorado, but none of my kids want to really live here because of the smoke," Arndt said during a Thursday press briefing hosted by the National League of <keyword id="11922548" type="UNKNOWN" weightage="60" keywordseo="cities" source="Orion">Cities</keyword>, a nonprofit advocacy organization that represents more than 2,400 cities across the US.</p><p>Overall, though, Americans haven't stopped moving into areas at high risk of climate-related <keyword id="13681071" type="UNKNOWN" weightage="60" keywordseo="disasters" source="Orion">disasters</keyword>, according to a new <a href="https://www.nlc.org/resource/the-next-american-migration-what-cities-should-know-about-climate-change-and-populations-on-the-move">report</a> from the NLC, released Thursday.</p><p>Sometimes people move into risky areas because they've been priced out of their home cities, according to the report, but sometimes they're looking for more space, solitude, or warmer weather. Either way, the trend means more Americans will face <keyword id="12019615" type="UNKNOWN" weightage="60" keywordseo="extreme-weather" source="Orion">extreme weather</keyword> disasters, along with the pressure to evacuate or move, as the planet warms.</p><div type="image" title="california wildfire house in flames burning down" height="1666" width="2222" msid="91010769" hostid="261"></div><p>In the 50 counties with the largest share of homes exposed to high risk of flood, drought, storms, and fires, new people moving in increased populations by up to 3.5% on average from 2016 to 2020, according to an <a href="https://www.redfin.com/news/climate-migration-real-estate-2021/">analysis</a> last year by the real-estate company Redfin. For the 50 counties with the largest extreme-heat risk, the average increase was 4.7%.</p><p>On the East Coast, developers are building new <keyword id="11916125" type="UNKNOWN" weightage="60" keywordseo="housing" source="Orion">housing</keyword> two to three times faster in areas that surveys deemed vulnerable to flooding than they are in safer regions, according to the NLC report.</p><div type="image" title="workers pave driveway and build new townhomes in a row" height="1600" width="2133" msid="91010773" hostid="261"></div><p>In the West, a primary concern is the wildland-urban interface, where residential developments sit in forested areas that are highly vulnerable to wildfires. From 1990 to 2010, there was a 41% increase in the number of new homes in these areas, one <a href="https://www.pnas.org/doi/10.1073/pnas.1718850115">study</a> calculated. Every year now, homes in those areas are burning down.</p><p>"We haven't seen much out-migration yet," Arndt said of Fort Collins. But, she added, "I think that's not unrealistic. I hear people just anecdotally say 'I'm going to Montana' or 'I'm going to Canada, it's cooler there, or North Dakota,' and these sorts of things. That might really come to pass."</p><h2>The US is headed for a climate-driven <keyword id="11920873" type="UNKNOWN" weightage="60" keywordseo="migration" source="Orion">migration</keyword> boom</h2><div type="image" title="two people walk through floodwaters in residential neighborhood" height="1584" width="2113" msid="91010778" hostid="261"></div><p>Disasters displaced 1.7 million Americans in 2020, according to the <a href="https://www.internal-displacement.org/countries/united-states">Internal Displacement Monitoring Centre</a>. While it's unclear how many of those disasters were related to <keyword id="11896311" type="UNKNOWN" weightage="60" keywordseo="climate-change" source="Orion">climate change</keyword>, years of research show that rising global temperatures are increasing the severity and frequency of floods, fires, and heat waves, as well as making hurricanes more dangerous.</p><p>In the summer of 2021, nearly one in three Americans lived in a county that suffered an extreme weather disaster, according to the new NLC report.</p><p>That exposure is already influencing some people's decision to relocate. In a different 2021 Redfin <a href="https://www.redfin.com/news/climate-change-migration-survey/">survey</a>, 49% of respondents who planned to move in the next year said increasing intensity or frequency of natural disasters was a factor in their decision.</p><p>The climate crisis is likely to displace more and more people as it ramps up. The most recent assessment of the United Nations' Intergovernmental Panel on Climate Change found that, under 2 degrees Celsius of global warming, some low-lying coastal cities and mountain areas could become <a href="https://www.businessinsider.com/climate-change-alter-human-life-un-ipcc-report-2022-2">inhospitable to human life</a>. It predicts that hundreds of millions of people worldwide will be at risk of climate-related <keyword id="12697938" type="UNKNOWN" weightage="60" keywordseo="displacement" source="Orion">displacement</keyword> by the second half of the century.</p><p>Cities across the US must prepare to both protect their residents from climate disasters and accommodate new migrants, the new NLC report asserts. That looks different from city to city, but the report makes dozens of recommendations, including encouraging municipalities to collaborate with neighboring jurisdictions, prioritize affordable housing, and offer funding to help low-income residents prepare their homes for extreme weather.</p>

Despite mounting danger, Americans keep moving to the counties at highest risk for wildfires, floods, and droughts

<p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span><a href="http://markets.businessinsider.com/currencies/BCC-USD">Markets Insider</a></span></p><p class="caption">The price of bitcoin cash surged on December 19 after Coinbase added support for the cryptocurrency.</p></div><p></p></div></div></p><ul><li><strong>Massive demand for bitcoin cash sent prices spiking on December 19, the first day the popular exchange Coinbase let its users trade the new cryptocurrency, according to the company.</strong></li><li><strong>Some 90% of requests on the exchange were from people looking to buy, according to Coinbase, which meant demand for bitcoin cash far outstripped supply. </strong></li><li><strong>Coinbase was highly criticized following its launch of bitcoin cash trading, with some users speculating that insider trading sent the price flying. </strong></li></ul><p><br />Coinbase says extreme user demand is to blame for the huge spike in the price of bitcoin cash seen on its marketplace when the company opened up trading in the new cryptocurrency last month.</p><p>When the company first launched support for bitcoin cash on its GDAX exchange December 19, the price of the currency jumped from less than $2000 to <a href="https://qz.com/1161391/bitcoin-cash-bch-price-spike-leads-to-coinbase-insider-trading-probe/">$9,500</a>, even as its price hovered around $3,600 on other exchanges.</p><p>That price surge occurred because 90% of the requests were from people looking to buy the newly added currency, Adam White, GDAX's general manager, said in a <a href="https://blog.gdax.com/bitcoin-cash-launch-retrospective-79c2eb7d9175">blog post</a> published Tuesday. There simply wasn't enough bitcoin cash for sale for the amount of demand. </p><p>"Despite our best efforts to create a fair and orderly market, the launch did not go as expected, and we understand why many of our customers and members of the community are upset," White said. </p><p>In the post, White shared a detailed timeline of what went wrong. Coinbase kept trading in the currency open for a total of 2 minutes and 40 seconds on December 19 before cancelling all purchases until the next day. Around $15.5 million in trades were made, and 4,443 orders were placed, according to White, though most of the orders were cancelled by Coinbase because there wasn't enough bitcoin cash being sold. </p><p>Coinbase reopened trading in bitcoin cash on the GDAX exchange on December 20 and has allowed it since.</p><h2>Coinbase is still looking into whether insider trading occurred </h2><p><div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"><p class="source"><span><a href="http://www.youtube.com/watch?v=ZwG1roO70co">YouTube / Screenshot</a></span></p></div><p></p></div></div>Price gains in the hours before Coinbase's official announcement, along with the subsequent halt in sales on the GDAX, led some users to accuse the company of insider trading and manipulating the exchange for its own benefit.</p><p>The company quickly responded to the criticism and launched its own investigation into the matter, though it has not made any results public. </p><p>"Given the price increase in the hours leading up the announcement, we will be conducting an investigation into this matter," Coinbase CEO Brian Armstrong <a href="https://blog.coinbase.com/our-employee-trading-policy-at-coinbase-1d4e860b7837">said at the time</a>. "If we find evidence of any employee or contractor violating our policies  -  directly or indirectly  -  I will not hesitate to terminate the employee immediately and take appropriate legal action."</p><p>Bitcoin cash is a relatively new cryptocurrency. It's a clone of bitcoin <span>that operates separately and follows different technological protocols from the original. </span>It was created on August 1 via a so-called <span>hard fork in the original bitcoin blockchain.</span> <span></span></p><p>Because of a longtime policy of supporting only established and vetted cryptocurrencies, Coinbase didn't support bitcoin cash when it launched. But after online uproar and a user exodus that jammed up its exchange, the company <a href="http://www.businessinsider.com/coinbase-adding-support-for-bitcoin-cash-by-2018-2017-8">announced in August</a> it would add support for the new cryptocurrency before the end of the year.<span></span></p><p class="tagline">Get the latest Bitcoin price <a href="http://markets.businessinsider.com/currencies/BTC-USD">here.&gt;&gt;</a><br><br><div id="categorypromo" style="border:1px solid silver; min-height:90px; padding:10px;vertical-align:top;"><a href="http://read.bi/bitcoin-101-free"></a><strong>EXCLUSIVE FREE REPORT:</strong><br>The Bitcoin 101 Report by the BI Intelligence Research Team.<br><strong><a href="http://read.bi/bitcoin-101-free">Get the Report Now »</a></strong></br></br></div></br></br></p>    <div class="margin-top">        <h3>NOW WATCH: <a href="http://www.businessinsider.com/7-science-backed-ways-happier-healthier-new-year-2016-12">7 science-backed ways for a happier and healthier 2018 - this is what you do the very first week</a></h3>        <div>                    </div>    </div>

Coinbase blames extreme buyer demand for last month's bitcoin cash disaster

<ul class="summary-list"><li>Extreme weather events increase <a href="https://markets.businessinsider.com/news/stocks/call-for-data-on-gender-based-violence-to-be-key-to-state-strategy-10932938">gender-based violence</a> during and after disasters, a new analysis found.</li><li>Scientists say <a href="https://www.businessinsider.com/climate-change-alter-human-life-un-ipcc-report-2022-2">climate change</a> is causing more severe weather events.</li></ul><p>Across the world, the climate crisis has fueled more severe and frequent storms, heatwaves, droughts, and other dangers. A new study shines a light on how a warming world amplifies <a href="https://www.businessinsider.com/gender-parity-requires-prioritizing-political-and-economic-empowerment-2022-5">existing gender inequalities.</a></p><p>The visible toll of weather disasters, such as torn-down buildings and buckled roads, "can overshadow more veiled consequences, including <keyword id="12021081" type="UNKNOWN" weightage="60" keywordseo="gender" source="Orion">gender</keyword>-based violence experienced by women, girls, and sexual and gender minorities," Kim Van Daalen, a global public health expert at the University of Cambridge and lead author of a new analysis, told Insider. </p><p>In the analysis, published Monday in <a href="https://www.thelancet.com/journals/lanplh/article/PIIS2542-5196(22)00088-2/fulltext">The Lancet Planetary Health</a>, researchers looked at 41 existing peer-reviewed studies and found that gender-based violence — such as sexual assault, intimate partner violence, or trafficking, both during and after disasters — appears to be a recurring theme. </p><p>A growing body of research has found that climate change is causing <a href="https://www.businessinsider.com/photo-video-europe-china-flooding-oregon-siberia-canada-wildfires-2021-7">extreme weather events</a>, including tropical storms, droughts, wildfires, and floods, to become severe and more likely to occur. In the past two decades, the frequency of floods has increased by 134%, storms by 40%, and droughts by 29%, according to the research team.</p><p>"When we explore the overall impacts of climate change, we see that all genders experience climate change differently," Van Daalen told Insider. "As a result of gendered social roles and responsibilities, we tend to see that globally women and girls disproportionately suffer from increased climate change risks compared to men and boys." For instance, Van Daalen said the literature suggested women were less likely to be able to adapt after a natural disaster due to financial insecurity and little institutional support.</p><p>While researchers were not entirely surprised by the uptick in gender-based violence during and after extreme weather events, something they found interesting was that gender-based violence seemed to be a shared experience across the contexts they studied — from <a href="https://www.businessinsider.com/hurricane-katrina-10-years-later-2015-8">Hurricane Katrina in New Orleans</a> to <a href="https://www.businessinsiderbd.com/national/news/22905/floods-in-5-districts-batter-over-4-lakh-people-report">floods in Bangladesh</a> to <a href="https://www.businessinsider.com/droughts-bad-for-us-catastrophic-for-india-2012-8">droughts in India.</a></p><div type="image" title="A woman hangs clothes to dry in front of her house in a flooded area due to recent monsoon rainfalls in Dhamrai on August 11, 2020." height="3279" width="4373" msid="92191684" hostid="261"></div><p>Extreme events may influence particular gender-based violence risks for individuals with diverse sexual and gender identities, according to researchers. "Due to their frequent marginalization, sexual and gender minorities are often more severely impacted by disasters," Van Daalen said, pointing to media reports at the time of Hurricane Katrina of a handful of religious figures blaming the <a href="https://www.theguardian.com/uk/2005/nov/19/northernireland.hurricanes2005">New Orleans gay community</a> for the storm. Van Daalen added that the team's research found a lack of documented evidence specific to sexual and gender minorities: "Future research should consider how this vulnerable population is disproportionately impacted as well."</p><p>Researchers hope the results from their analysis can be used to devise proper interventions before, during, and after disasters; some examples include providing post-disaster shelters and relief services — with their own toilets and bath areas — designed to be exclusively accessed by women, girls, and sexual or <a href="https://www.businessinsider.com/words-on-race-gender-and-diversity-you-should-know-2020-7">gender minorities</a> or providing emergency response teams with training to prevent gender-based violence.</p><p>"By understanding the mechanisms through which extreme events may influence or affect gender-based violence, we can better inform the design and implementation of climate-resilient, context-specific, and sexual- and gender-responsive interventions that serve the needs of women, girls, and sexual and gender minorities globally," Van Daalen said. "Importantly, these interventions should be informed and, where possible, co-created by the affected communities."</p>

Across the world, extreme weather events are fueling gender-based violence during and after disasters

<p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Peter Parks/AFP/Getty Images</span></p><p class="caption">Apple customers queue up in the rain outside a flagship store in Beijing.</p></div><p></p></div></div></p><ul class="summary-list"><li>Major brands are finding ways to make money on the fears surrounding and consequences of <a href="https://www.businessinsider.com/ipcc-climate-change-report-why-2-degree-warming-is-dangerous-2018-10">climate change</a>.</li><li><span>In disclosures to <a href="https://www.cdp.net/en">CDP</a> - a nonprofit that asks companies about their environmental impact - companies like <a href="https://www.businessinsider.com/apple-report-identifies-risks-business-opportunities-climate-change-2019-1">Apple</a>, Disney, and <a href="https://www.businessinsider.com/philip-morris-thinks-climate-change-is-good-for-tobacco-2019-1">Philip Morris</a> identified ways that they could profit from natural disasters, extreme weather, and the need to reduce carbon emissions associated with climate change.</span></li><li><span>In many cases, brands saw addressing climate change as a way to <a href="https://www.businessinsider.com/climate-change-some-of-americas-biggest-companies-using-it-to-profit-2019-1">improve their public image</a>.</span></li></ul><p>In 2018, <span><a href="https://www.businessinsider.com/ipcc-climate-change-report-why-2-degree-warming-is-dangerous-2018-10">a devastating report</a> released by The Intergovernmental Panel on Climate Change (IPCC) predicted a future of extreme heatwaves, severe droughts, mass extinctions, and sea-level</span> rise. Under these conditions, the report said, the world could experience <span>$54 trillion worth of environmental </span>damage. </p><p><span>While that scenario might be decades away, companies are already finding ways to profit from humanity's collective fears about climate-related disasters. <br /><br /><em><strong>Read more: </strong><a href="https://www.businessinsider.com/big-oil-claims-its-doing-its-part-on-climate-change-its-not-even-close-2018-11">Big Oil claims it's doing its part to combat climate change. A new study finds it's not even close.</a></em></span></p><p><span>In January, a London-based nonprofit called CDP</span>, which collects information from companies about their environmental impact, <span>released </span><a href="https://www.cdp.net/en/saml/new">thousands of company disclosures</a> explaining how natural disasters, extreme weather, and the need to reduce carbon emissions could translate into serious money-making opportunities.  </p><p>In one of the most striking disclosures, Apple noted that <span>iPhones could help people survive in a disaster by offering flashlights and other emergency services. The company estimated that its brand value <a href="https://www.businessinsider.com/apple-report-identifies-risks-business-opportunities-climate-change-2019-1">would increase by $920 million</a> as customers began to rely on iPhones for personal safety.<span style="background-color: #ffcc00;"></span></span></p><p><span>Other companies saw an upside to warmer temperatures. Molson Coors predicted that the desire for beer would increase as the world experienced more frequent and extreme periods of heat. </span></p><p><span></span><span>Here are some of the ways that major brands think they can make money from climate change. </span></p>

Brands like Apple and Molson Coors think a future of extreme weather and climate disasters will be profitable

<p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Steve Helber/AP Images</span></p><p class="caption">These companies tend to see a bump from rebuilding efforts in the wake of a disaster.</p></div><p></p></div></div></p><ul class="summary-list"><li><a href="https://www.businessinsider.com/category/home-depot" target="_blank" rel="noopener">Home Depot</a> and <a href="https://www.businessinsider.com/category/lowes" target="_blank" rel="noopener">Lowe's</a> tend to benefit from natural disasters because of the nature of the home-improvement business.</li><li>Both companies also have centers dedicated to emergency preparation and response, and they donate millions of dollars and a robust assortment of resources to disaster relief.</li><li>Business Insider spoke to Seth Basham, the managing director of equity research at Wedbush Securities, about how different natural disasters affect the home-improvement retailers.</li></ul><p>We're living in an age of natural disasters.</p><p><a href="https://www.businessinsider.com/hurricane-season-forecast-2018-storms-could-move-inland-2018-6" target="_blank" rel="noopener">Hurricanes</a> are becoming stronger and more devastating. Thanks to a warming atmosphere, these storms are capable of driving deeper and deeper inland, leaving an even wider swath of destruction in their wake.</p><p>Meanwhile, on the West Coast, deadly <a href="https://www.businessinsider.com/california-wildfires-are-getting-worse-2018-11" target="_blank" rel="noopener">wildfires</a> are so increasingly common that some experts have argued that the very concept of a "fire season" is a relic.</p><p>And it's not going to get any better. In its summary of the The National Climate Assessment, the Weather Channel <a href="https://weather.com/news/climate/news/2018-11-23-fourth-national-climate-assessment" target="_blank" rel="noopener">reported</a> that extreme weather brought about by global warming has "already become more frequent, intense, widespread or of long duration."</p><p><em><strong>Read more</strong>: <a href="https://www.businessinsider.com/home-depot-lowes-housing-market-2018-11" target="_blank" rel="noopener">Americans are pumping the brakes on home remodeling, and that might spell bad news for Home Depot and Lowe's</a></em></p><p>These extreme weather events typically result in casualties and shattered lives. But two retailers in particular could, in some instances, benefit from damage wrought by natural disasters: <a href="https://markets.businessinsider.com/stocks/hd-stock" target="_blank" rel="noopener">Home Depot</a> and <a href="https://markets.businessinsider.com/stocks/low-stock" target="_blank" rel="noopener">Lowe's</a>. And, as the rise of extreme weather shows no sign of abating, this trend is only going to continue as consumers flock to home-improvement stores in order to repair their damaged properties.</p><p>Business Insider spoke to Seth Basham, the managing director of equity research at Wedbush Securities, about how the Camp Fire - which claimed at least 86 <a href="https://www.sfchronicle.com/california-wildfires/article/Camp-Fire-Death-toll-rises-to-86-after-13458956.php" target="_blank" rel="noopener">lives</a> as it raged across California in November - stood to impact the two home-improvement retailers.</p><p>"The rebuilding effort will obviously require a fair amount of goods that Home Depot and Lowe's sell," Basham told Business Insider. "To the extent that you have homes burn down and you're rebuilding, there's going to be a lot of activity in Home Depot and Lowe's' stores."</p><p>Basham added that not all storms have the same effect on the home-improvement market. Wildfires are hard to predict, but a trackable disaster like Hurricane Harvey can bring about a "pre-catastrophe preparation" boost to the stores, in addition to recovery-related spending. In 2017, the Associated Press <a href="https://www.businessinsider.com/ap-before-and-after-a-storm-the-supply-stores-are-critical-2018-9" target="_blank" rel="noopener">reported</a> that hurricane-related sales for both companies spiked in the aftermath of the hurricane season.</p><p><em><strong>Read more</strong>: <a href="https://www.businessinsider.com/lowes-emergency-command-center-plans-hurricane-disaster-relief-2019-1" target="_blank" rel="noopener">A look inside Lowe's emergency command center, where employees monitor natural disasters like hurricanes and deploy supplies to devastated parts of the country</a></em></p><p>In the case of a sudden disaster like the Camp Fire, or even a random calamity with no relation to the weather like the recent Alaskan <a href="https://www.businessinsider.com/alaska-earthquake-governor-bill-walker-response-disaster-2018-11" target="_blank" rel="noopener">earthquake</a>, the retailers won't even feel the bump for a few quarters.</p><p>"It typically lags one to two quarters from the day of the catastrophe and lasts about three to four quarters," Basham said.</p><p>For example, Home Depot posted a $242 million sales gain in the quarter following Hurricane Sandy, according to <a href="http://fortune.com/2017/08/31/home-depot-hurricane-harvey-damage-impact/" target="_blank" rel="noopener">Fortune</a>. And the Motley Fool <a href="https://www.fool.com/investing/2017/11/28/why-no-one-cares-that-lowes-q3-2017-profit-more-th.aspx" target="_blank" rel="noopener">reported</a> that Lowe's saw a $200 million boost from back-to-back hurricanes Harvey and Irma in 2017.</p><p>But it's not necessarily as simple as home retailers always getting an immediate boost from weather emergencies.</p><p>A spokesperson for Home Depot told Business Insider that any increased subsequent bounce in recovery-related sales typically evens out due to initial factors affecting the retailer, like price freezes, transportation and staffing costs, and damage to stores.</p><p>The companies have also made large donations to various emergency response efforts. According to the chain's <a href="http://ir.homedepot.com/news-releases/2018/10-12-2018" target="_blank" rel="noopener">website</a>, the Home Depot Foundation pledged to donate $4 million to disaster relief in 2018, as did <a href="https://newsroom.lowes.com/news-releases/lowes-increases-2018-hurricane-relief/" target="_blank" rel="noopener">Lowe's</a>.</p><p>Both home-improvement giants dedicate plenty of funds and resources toward helping affected areas to recover from natural disasters. Home Depot and Lowe's each staff an emergency command <a href="https://www.businessinsider.com/ap-before-and-after-a-storm-the-supply-stores-are-critical-2018-9" target="_blank" rel="noopener">center</a> specifically focused on tracking catastrophes and organizing relief efforts. These centers are also responsible for determining what products should be stocked in an area facing an imminent or ongoing disaster.</p><p>Rick <span>Neudorff, who runs Lowe's emergency command center, recently told Business Insider about the <a href="https://www.businessinsider.com/lowes-emergency-command-center-plans-hurricane-disaster-relief-2019-1" target="_blank" rel="noopener">work</a> his team does to forecast and monitor disasters, provide emergency relief, and help with recovery efforts.</span></p><p>"It's a challenge but it's very rewarding when you see the stories of the people in the communities that have been able to carry on in a situation that seems hopeless because Lowe's was able to help them take care of their family and their property," he said.</p><p>A Home Depot spokesperson also pointed out the retailer's <a href="https://corporate.homedepot.com/newsroom/home-depots-hurricane-headquarters" target="_blank" rel="noopener">commitment</a> to disaster relief.</p><p style="font-weight: 400;">"We were extremely active on the disaster front in terms of working with our suppliers and transportation providers moving in supplies, and The Home Depot Foundation committed more than $5 million in disaster response assistance," the spokesperson said. "That included the hurricanes, wildfires and flooding in the Midwest."</p><ul class="read-more-links"><li>Read more:</li><li><a href="https://www.businessinsider.com/lowes-emergency-command-center-plans-hurricane-disaster-relief-2019-1">A look inside Lowe's emergency command center, where employees monitor natural disasters like hurricanes and deploy supplies to devastated parts of the country</a></li><li><a href="https://www.businessinsider.com/hurricane-proof-home-how-to-2018-11" data-read-more-link="" data-e2e-name="read-more-link">How to hurricane-proof your home, according to an architect who designs homes that could withstand Category 4 hurricanes</a></li><li><a href="https://www.businessinsider.com/california-natural-disasters-of-year-2018-12" data-read-more-link="" data-e2e-name="read-more-link">From mudslides to wildfires, these were some of the most devastating California disasters of 2018</a></li><li><a href="https://www.businessinsider.com/alaska-earthquake-governor-bill-walker-response-disaster-2018-11" data-read-more-link="" data-e2e-name="read-more-link">Alaska's governor issued a declaration of disaster after a magnitude 7.0 earthquake hit Anchorage</a></li><li><a href="https://www.businessinsider.com/dog-california-camp-fire-wait-owner-return-2018-12" data-read-more-link="" data-e2e-name="read-more-link">A dog whose family home burned down in the California wildfires guarded the ruins for weeks while his owner was gone</a></li></ul><p class="tagline"><a href="https://www.businessinsider.com/intelligence/future-of-retail-ai?IR=T&amp;utm_source=businessinsider&amp;utm_medium=ctgr&amp;utm_term=ctgr_leadgen&amp;utm_content=ecommerce_ctgr_leadgen&amp;utm_campaign=ecommerce_ctgr_leadgen_future-of-retail-ai"></a></p>    <div class="margin-top">        <h3>NOW WATCH: <a href="https://www.businessinsider.com/new-home-development-store-coming-home-depot-tree-house-lowes-retail-2017-7">This new solar-powered home development store is coming after Home Depot</a></h3>        <div>                    </div>    </div>

An analyst breaks down how natural disasters like hurricanes and fires impact Home Depot and Lowe's

<ul class="summary-list"><li>Droughts killed the most people of the world's most deadly weather-related disasters, the UN said.</li><li>A new report released Tuesday highlights an increase in weather-related disasters but fewer deaths.</li><li>More than 90% of deaths occured in developing countries.</li></ul><p>Droughts are the leading cause of death from the world's worst disasters in the last 50 years, according to a report the <a href="https://public.wmo.int/en/media/press-release/weather-related-disasters-increase-over-past-50-years-causing-more-damage-fewer">World Meteorological Organization</a> released on Tuesday.</p><p>The UN agency's report, which considered more than 11,000 <keyword id="11911086" type="UNKNOWN" weightage="60" keywordseo="weather" source="Orion">weather</keyword> disasters over the past half-century, highlighted four specific droughts that occured in eastern Africa in the 1970s and 1980s as the leading killers. In all, droughts killed 650,000 people. The next biggest cause of death from disasters was storms, with more than 575,000 deaths.</p><p>Disasters related to weather, climate, or water hazards happen five times more often now than they did in the 1970s, but the deaths they cause have decreased significantly, the report said.</p><p>The 1970s and 1980s saw an average of 170 deaths per day, which fell to 90 in the 1990s. In the 2010s, there were 40 deaths per day related to weather disasters.</p><p>More than 90% of the deaths occurred in developing counties, the report said.</p><p>Meanwhile, economic damage stemming from these disasters has increased seven-fold over the last 50 years, according to the report. The six costliest disasters were all the result of hurricanes in the US, racking up more than $517 billion in economic losses combined.</p><p>"The number of weather, climate and water extremes are increasing and will become more frequent and severe in many parts of the world as a result of <keyword id="11896311" type="UNKNOWN" weightage="60" keywordseo="climate-change" source="Orion">climate change</keyword>," WMO Secretary-General Prof. Petteri Taalas said in a statement. "That means more heatwaves, <keyword id="12004858" type="UNKNOWN" weightage="60" keywordseo="drought" source="Orion">drought</keyword> and forest fires such as those we have observed recently in Europe and North America. We have more water vapor in the atmosphere, which is exacerbating extreme rainfall and deadly flooding. The warming of the oceans has affected the frequency and area of existence of the most intense tropical storms."</p><p>He said the global community has become better at saving lives due to improved multi-hazard early warning systems, despite only half of the 193-member countries of the WMO actually having these systems.</p>

Droughts have killed the most people in the world's worst natural disasters over the last 50 years

Shocking pictures of extreme natural disasters in 2019 that reminded the world that climate change is for real

<strong><br /></strong><ul><li><strong><keyword id="3658" type="LOCATION" weightage="20" keywordseo="India">India</keyword> ranked fifth in the world in terms of absolute losses due to <keyword id="6361617" type="UNKNOWN" weightage="20" keywordseo="climate-change">climate change</keyword>.</strong></li><li><strong>India’s monetary losses stood at a fraction of costs seen by US and China.<br /></strong></li><li><strong>The human costs on climate change on India could be much worse.</strong></li></ul>India saw $79.5 billion in economic losses between 1998 and 2017 due to climate-change disasters, ranking fifth in the world in terms of absolute monetary losses. But the country faces a far greater risk in terms of human costs and impact on development, a major UN study has warned.<br /><br />According to the <a href="https://www.unisdr.org/2016/iddr/IDDR2018_Economic%20Losses.pdf">study</a> by the UN Office for Disaster Risk Reduction, as a lower-middle income country, economic losses mean “crippling consequences” for future development. An alarming number of people are now internally displaced every year by extreme weather events and climate-related disasters often losing their homes and their livelihoods, the report has pointed out. <br /><br />Economic disasters and poverty are closely tied. According to <keyword id="6354424" type="COMPANY" weightage="20" keywordseo="world-bank">World Bank</keyword>, the real cost to the global economy is in the tune of $520 billion per annum, with disasters putting 26 million people into poverty every year, the report noted. <br /><br />Floods were the most frequent types of disaster, making up 43% of all recorded events in the past 20 years. <br /><br />India has been seeing an increasing number of extreme weather events such as floods in recent years. According to a study by the <keyword id="6355166" type="COMPANY" weightage="20" keywordseo="India-meteorological-department">India Meteorological Department</keyword>, India saw 285 flooding events between 1950-2017 that killed 71,000 and drove 19 million into homelessness. The recent floods in the southern state of <keyword id="28504" type="LOCATION" weightage="20" keywordseo="Kerala">Kerala</keyword> <a href="https://www.livemint.com/Politics/pkRlIk0b6ycCVFNRTm2MkL/A-third-of-145-million-Kerala-relief-camp-inmates-return-ho.html">displaced</a> nearly 1.5 million people. <br /><br /><strong>A global problem<br /></strong><br />High income countries including the the US have fared much worse in terms of absolue economic losses partly due to high asset values and frequency of disaster events.<br /><br />India’s losses in monetary terms seem only a fraction of those seen by the US and China with the US posting the biggest losses ($945 billion), double of that seen by China at $492 billion. <br /><br />Globally, climate-related disasters contributed to $2.2 trillion in losses, more than two-thirds (77%) of all reported losses including other natural geophysical disasters.<br /><br />The study comes in the wake of another major report by the UN earlier this week which warned of <keyword id="6951828" type="UNKNOWN" weightage="20" keywordseo="Runaway-climate-change">runaway climate change</keyword> with disastrous consequences if global temperatures rise beyond 1.5°C. The current targets for cutting greenhouse emissions that contribute towards <keyword id="6366055" type="UNKNOWN" weightage="20" keywordseo="global-warming">global warming</keyword> set during the last climate accord falls significantly short and will have to be revised urgently, according to the UN.<br /><br />China, the European Union and the US account for more than half of total global greenhouse emissions as of 2013, <a href="https://www.wri.org/blog/2017/04/interactive-chart-explains-worlds-top-10-emitters-and-how-theyve-changed">according to data </a>from the World Resources Institute. India contributed to 6.67% of global emissions with energy from fossil fuels being the largest source.<br />

Why the staggering costs of climate change on India are much more than monetary losses

<p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>REUTERS/Gene Blevins</span></p><p class="caption">Firefighters battle to save one of many homes burning in an early-morning Creek Fire that broke out in the Kagel Canyon area in the San Fernando Valley north of Los Angeles, in Sylmar, California, U.S., December 5, 2017.</p></div><p></p></div></div></p><ul><li><strong>Natural disasters including wildfires and hurricanes caused $306 billion in damage in 2017, making it the costliest year on record.</strong></li><li><strong>2017 surpassed the previous cost record, which was set in 2005 when a series of hurricanes (including Katrina) caused $214 billion in damage.</strong></li><li><strong>Damaging storms and rising costs part of an ongoing trend that's getting worse. </strong></li></ul><p> </p><p>A series of <a href="http://www.businessinsider.com/photos-hurricane-maria-irma-jose-harvey-katia-franklin-damage-florida-puerto-rico-caribbean-2017-9">hurricanes</a>, <a href="http://www.businessinsider.com/category/ventura-county-fire">wildfires</a>, and other severe weather-related events have made 2017 the costliest year on record for natural disasters.</p><p>The combination of property damage and spending on aid and relief cost the US a total of $306 billion in 2017. There were 16 weather events that each caused over $1 billion in damage, according to the <a href="https://www.ncdc.noaa.gov/billions/">National Oceanic and Atmospheric Administration</a> (NOAA). Last year shattered the previous cost record, which was set in 2005, when Hurricanes Katrina, Rita, Dennis, and Wilma caused $214 billion in damage (adjusted for inflation).</p><p><a href="http://www.businessinsider.com/category/hurricane-harvey">Hurricane Harvey</a>, which caused widespread flooding in Houston in August, was the single most expensive storm in 2017, causing $125 billion in damage, according to NOAA. Harvey was followed by <a href="http://www.businessinsider.com/category/hurricane-maria">Hurricane Maria</a>, which leveled Puerto Rico in September and led to an ongoing crisis from which the island is still recovering. That storm caused $90 billion in damage. And <a href="http://www.businessinsider.com/category/hurricane-irma-2017">Hurricane Irma</a>, which lashed Florida in September, was the third-costliest disaster in 2017 with $50 billion damage, according to NOAA. </p><p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>NOAA</span></p></div><p></p></div></div></p><p>The <a href="http://www.businessinsider.com/california-ventura-county-wildfires-locations-news-updates-damage-2017-12">wildfires in northern and southern California</a>, combined with fires in Montana and Colorado, caused $18 billion in damage. The rest of the costly disasters in 2017 are a mix of tornadoes, floods, and severe thunderstorms.</p><p>More frequent, severe natural disasters and rising costs associated with recovery and relief are part of a larger trend, since climate change makes weather more erratic and extreme. According to <a href="http://www.businessinsider.com/climate-may-be-15-warmer-than-previously-thought-by-2100-2017-12">a recent study in <em>Nature</em></a>, the planet may get 15% hotter by the end of the century than scientists' highest projections,which means extreme weather and costly disasters are likely to get much worse<em>.</em></p><p>The hurricane season in 2017 was considered "extremely active," according to the <a href="http://www.businessinsider.com/atlantic-hurricane-season-records-2017-11">National Hurricane Center</a>, with September breaking the all-time record for the number of hurricane days in one month. And 14 of the 20 <a href="http://www.businessinsider.com/ventura-county-la-fires-california-worsening-trend-2017-12">largest wildfires</a> in California's history have occurred since 2000 - with the <a href="http://www.businessinsider.com/ventura-county-fire-photos-of-destruction-in-la-southern-california-2017-12">Thomas Fire</a>, which burned over 280,000 acres in Ventura County in December, now the largest fire in the state's history. </p><p>T<span style="font-weight: 400;">he Government Accountability Office projects that the US government's recurring annual costs due to climate change - such as wildfire suppression - could </span><a href="https://www.gao.gov/assets/690/687466.pdf"><span style="font-weight: 400;">increase by up to $35 billion</span></a><span style="font-weight: 400;"> per year by 2050. Whereas there were 16 weather events in the US that cost $1 billion this year, the entire decade of the <a href="https://drive.google.com/file/d/0B9whT-2Ezzu7UUNUS3ZielhROFk/view">1980s only saw 21</a> that crossed that billion-dollar mark. </span></p>    <div class="margin-top">        <h3>NOW WATCH: <a href="http://www.businessinsider.com/eurasia-groups-top-risks-of-2018-2018-1">The biggest risks facing the world in 2018</a></h3>        <div>                    </div>    </div>

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