Climate Change and the Insurance Industry: Evaluating the Economic Impact of Hurricane-Related Coastal Flooding

Tens of millions of people around the world are already exposed to coastal flooding from tropical cyclones. Global warming has the potential to increase hurricane flooding, both by hurricane intensification and by sea level rise. In this paper, the impact of hurricane intensification and sea level rise are evaluated using hydrodynamic surge models and by considering the future climate projections of the Intergovernmental Panel on Climate Change. For the Corpus Christi, Texas, United States study region, mean projections indicate hurricane flood elevation (meteorologically generated storm surge plus sea level rise) will, on average, rise by 0.3 m by the 2030s and by 0.8 m by the 2080s. For catastrophic-type hurricane surge events, flood elevations are projected to rise by as much as 0.5 m and 1.8 m by the 2030s and 2080s, respectively.


Coastal regions are among the most vulnerable to the impacts of global warming. The rise in global temperatures is linked to several environmental changes, including the intensification of hurricanes and sea level rise. This article delves into the potential consequences of these two interconnected factors on coastal flooding, with a specific focus on the Corpus Christi, Texas region.

Hurricane Intensification:

Hurricanes are complex meteorological phenomena that derive their energy from warm ocean waters. With global warming leading to increased sea surface temperatures, these storms are becoming more powerful and destructive. This intensification can result in larger storm surges, which are responsible for the inundation of coastal areas.

The intensification of hurricanes is a product of higher sea surface temperatures, which provide the necessary energy for tropical cyclones to grow and strengthen. As these storms gain intensity, the potential for more significant storm surges and flooding along the coast also increases.

Sea Level Rise:

Sea level rise is a direct consequence of global warming. As the Earth’s temperature rises, thermal expansion causes ocean water to expand, contributing to higher sea levels. Additionally, the melting of polar ice caps and glaciers adds to the volume of water in the oceans. The combination of these factors leads to the encroachment of the sea onto coastal areas, which can exacerbate flooding during hurricane events.


To assess the potential impact of hurricane intensification and sea level rise on coastal flooding, researchers employ hydrodynamic surge models. These models use data on sea level rise projections and anticipated hurricane intensification to simulate storm surge scenarios.

For this study, the Corpus Christi, Texas region is selected as the study area. Corpus Christi is a coastal city that is susceptible to hurricane events, making it a crucial location for examining the potential impacts of climate change on storm surge and coastal flooding.


The projections based on the study indicate a grim outlook for Corpus Christi and other coastal areas. By the 2030s, the mean hurricane flood elevation (the combination of meteorologically generated storm surge and sea level rise) is projected to increase by 0.3 meters. Looking further ahead to the 2080s, this elevation is expected to rise by a staggering 0.8 meters. These elevations pose a significant threat to coastal communities, infrastructure, and ecosystems.

Catastrophic-type hurricane surge events are even more alarming. By the 2030s, flood elevations for such events are projected to rise by as much as 0.5 meters, a height that can result in devastating consequences. By the 2080s, the potential increase in flood elevation for catastrophic hurricanes is an astonishing 1.8 meters. These projections underscore the urgent need for effective climate change mitigation and adaptation strategies.


The results of this study highlight the pressing need for action on multiple fronts. Mitigating global warming is the first line of defense. Reducing greenhouse gas emissions and transitioning to renewable energy sources are critical steps to slow the warming of the planet.

Additionally, coastal regions must prepare for the impending changes. This includes implementing adaptive strategies such as building resilient infrastructure, enhancing early warning systems, and revising coastal development regulations. Community education and awareness are also paramount to ensuring the safety of residents in vulnerable areas.


The impacts of global warming on hurricanes and sea level rise are interconnected and pose a significant threat to coastal regions like Corpus Christi, Texas. The study’s projections of increased hurricane flood elevations emphasize the urgent need for comprehensive climate change mitigation and adaptation measures.

To safeguard coastal communities and ecosystems, it is essential to take immediate action to reduce greenhouse gas emissions and slow the progression of global warming. Simultaneously, preparations for more intense hurricane events and higher sea levels must be made. By addressing these challenges collectively, we can hope to mitigate the potential devastating consequences of climate change on coastal flooding and protect the lives and livelihoods of those in vulnerable areas.

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