Last month, yet another named storm, Darragh, swept across the UK, bringing peak wind gusts of 96mph and heavy rain. It is becoming more common for named storms to  dominate the news headlines, particularly due to their magnitudes and their impact on communities.

With damage to roads, bridges, railway lines, property, power and water supplies caused by fallen trees and flying debris, together with the equivalent of a month’s rainfall in 48 hours leading to flash flooding, the disruption can be significant, as can the devastation caused to property and farming land.

So we must ask ourselves, if climate change is increasing the number of storms and their intensities, how much should we keep investing in insurance, rather than helping communities to become more resilient?