Global warming will change your personal finances. In the wake of this year's hurricane season, many Americans have had to rethink how they spend their money. Disaster recovery will occupy huge sections of Texas, Puerto Rico and Florida for years to come, with consequences for both spending and employment.

Although the news has focused on the billions of dollars FEMA will spend rebuilding these communities, individuals may be the hardest hit. The federal government can accommodate emergency spending better than most households,  which is an issue that more Americans will have to begin considering.

In years to come, global warming will change personal finances in vast and unpredictable ways. Here are the top 10 that we can be reasonably sure of.

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