… Nearly every cherished aspect of American life is under growing threat from climate change and it is effectively too late to prevent many of the harms from worsening over the next decade, a major report from the federal government has concluded. Global warming caused by human activities — mostly the burning of oil, gas and coal — is raising average temperatures in the United States more quickly than it is across the rest of the planet. … Human-driven warming is intensifying wildfires in the West, droughts in the Great Plains and heat waves coast to coast. It is causing hurricanes to strengthen more quickly in the Atlantic and loading storms of all kinds with more rain. … Private insurers are already so tired of losing money in catastrophe-prone places like California that they are restricting coverage or pulling out.

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