The impacts of El Niño are expected to be widespread and severe. In the western U.S., the combination of dry conditions and high temperatures could exacerbate wildfire risks, threatening communities and natural ecosystems. Meanwhile, regions prone to heavy rainfall may face flooding, endangering lives, property, and infrastructure. Drought conditions in some areas could also lead to water shortages, affecting agriculture and local economies. The financial burden on homeowners and local governments is likely to increase, as they navigate the costs of disaster response and recovery. Insurance systems may also face heightened claims, particularly in areas with inadequate flood or wildfire coverage.