Every day we hear on the news about the various natural disasters. Nowadays, it became extremely hard to predict such natural phenomenon as earthquakes, hurricanes, tornados, hard snowfall, avalanche, flood, drought, landslides, or global warming in general. Weather threatening is very widespread through over the North America. In the United States of America, the ones that lead to the great damage even called names of persons (Sandy, Katrina etc). Have you thought about who is going to pay the bills? For example, only famous hurricane Sandy alone did more then eighty billion dollars worth of damage to New York and New Jersey. The insurance industry also sustain a loss of millions dollars. That forces almost all of lead insurance companies extend their examination of reaction to climate changes. In order to better quantify, estimate and diversify their risks, a lot of companies use climate science. So they can more accurately estimate their loss-prevention efforts, price, communicate risk and target adaptation. Some of insurers try to analyze their extensive databases of different historical weather-related or climate-related losses for undesirable events. However insurance modeling is something different. Insurers modeling extrapolate historical data, whereas climate models simulate the system. So we can say that insurers’ models are more appropriate to short-time and finer scales frames. This initiative will serve as a basis for determining (at the level of individual countries and regions) investment priorities in such areas.