We live in uncertain times. Violent floods and storms, volcanic eruptions, earthquakes, tsunamis, hurricanes and so on; such disasters have one thing in common; they are catastrophic risks that rarely affect you in your lifetime, but if they do happen, the consequences can be devastating. The problem with catastrophic risk is that because it is so rare, it can be badly underestimated. Yet, being prepared for a catastrophe can save you from untold distress.
How fortunate we have been in Nigeria, yet global climate change seems to have affected even our local weather; heavy rains fall during the harmattan season and we have long dry spells in the thick of the rainy season with exceptionally hot weather climbing to scorching temperatures.
When the rains come; the downpours are often unusual in their intensity and have caused flooding in many areas. The weather has never been more unpredictable.
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