Over PLN 16 billion – such would be the cost of the 2010 flood in Poland if it had taken place in 2018. The same impact of natural forces as eight years ago would result in 21% greater losses. If Poland does not implement a coherent risk management policy, greater losses caused by weather phenomena will become realistic, according to the latest report of the Polish Chamber of Insurance, ‘Climate of risk. How can prevention and insurance reduce the impact of natural disasters on the environment?’, prepared together with the consulting company of Deloitte. Honorary patronage over the report was assumed by the Ministry of the Environment.