@tbirdsrgo; where I live in NE Vic our biggest climate-related risk is from catastrophic bushfires. Victorians know only too well what causes them and the consequences for turning a blind eye and a deaf ear to them.
We're not about to be impacted by storm surge, rising sea levels, marine extinction events or unprecedented riverine flooding.
Some parts of the NSW & Qld coast are already uninsurable while others are experiencing massive rises in premiums. The insurance sector works on RISK, sadly some people are NOT taking notice!