I've read a few similar articles about the insurance industry, but it is
hard to separate out the signal due to climate change from the (probably
much larger) effect of economic growth and vulnerability.

James

A very good point. After all, if you build houses on flood
plains you don't need increased rainfall and runoff to cause problems.
This also applies, in a rougher kind of way, to the Third World, where
more marginal land is increasingly used or inhabited, due partly to
population increase.

Tudor Hughes, Warlingham, Surrey.