The anticipated El Niño could lead to significant weather-related risks, including heavy rainfall, flooding, mudslides, and high winds, particularly in California and the West Coast. The Southeast and East Coast may face severe weather and coastal storms, while the Northern Rockies could see reduced snowpack, impacting water supplies. Homeowners in flood-prone areas are especially vulnerable, with risks of property damage from flooding, mudslides, and wind. The Insurance Information Institute highlights that many Americans lack flood insurance, leaving them financially exposed. FEMA reports that nearly one-third of flood insurance claims come from areas outside high-risk flood zones, underscoring the widespread potential for impact.