Insurance rates, particularly homeowners along any coast, are going to go up dramatically which has little to do with "global warming" and all to do with inadequate rates. Go to the insurance department of any coastal state and look at the proposed rate filings for homeowners carriers, which were submitted prior to Sandy. You'll see requests for 20-40% as the soft market disappears and carriers need to regain profitability in the face of a zero interest rate environment.
If you're an investor in the insurance sector, this will be a good thing.
If you're a homeowner in/near a coastal region, you won't like it very much.