Canada

This is the best summary I could come up with:

"It's important to note these losses are coming from not any one single type of event," said Craig Stewart, the group's vice-president of climate change and federal issues.

Stewart's group has been pressing the federal government to put in place a national flood insurance program that would provide coverage in high-risk areas.

Joanna Kanga, a spokesperson for the minister of Emergency Preparedness, said the federal government "continues to engage provinces and territories, industry stakeholders and Indigenous representatives on the development and implementation of the low-cost flood insurance program."

A federal government plan is necessary to ensure property owners have coverage, but Canadians need to take precautions themselves, said Anabela Bonada, a research associate at the University of Waterloo's Intact Centre on Climate Adaptation.

Insured losses reflect just a small part of the damage caused by extreme weather and highlight the need for governments to put more money into adaptation measures, said Ryan Ness, a research director with the Canadian Climate Institute.

A report by the institute estimated that every dollar invested in climate adaptation, such as designing roads to make them more resilient to flooding, will return $13 to $15 in avoided costs.

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