Vulnerability is the propensity or predisposition of assets to be adversely affected by hazards. Vulnerability encompasses exposure, sensitivity, potential impacts, and adaptive capacity. Because these factors vary, not all communities or populations are equally vulnerable to the same climate risks.

Representative concentration pathways (RCPs) portray possible future greenhouse gas and aerosol concentration scenarios. Scenarios do not substantially differ before mid-century. Because the concentrations of those gases continue to increase at a rapid rate, and because planners want to incorporate a margin of safety in their plans, many professionals use RCP 8.5 for near and long-term projections. For examples of how one state evaluates and uses projections, see Cal-Adapt.

The timeframe for evaluating climate change projections depends on the longevity of ​the decision you are making. For example, the lifespan of built infrastructure may be subject to climate-related impacts decades into the future. ​Such decisions often involve substantial investment, which itself elevates the risk imposed by climate change.

Alternatively, a given policy may be in effect for​ a shorter period of time. When addressing urban flooding impacts on roads or infrastructure within the context of a local comprehensive plan, decision makers are likely concerned with a 10-year horizon.

Exposure is defined by the presence of people, assets, and ecosystems in places where they could be adversely affected by hazards.

For example, a building located near a river has greater exposure to flooding than a similar structure situated on higher ground.

A good place to start is with the CMRA Assessment Tool. Data and maps available in this tool are downscaled results from global climate models. Results for selected geographies indicate how severity and frequency of five common climate-related hazards is projected to change through this century.