To insurance companies, there’s no doubt that climate change is here: They are beginning to file lawsuits against small towns and cities who they say haven’t prepared for the floods and storms that will cost the companies billions in payments. Earlier this week, the U.S. arm of a major global insurance company backed away from an unprecedented lawsuit against Chicago and its suburbs for failing to prepare for heavy rains and associated flooding it claimed were fueled by global warming. While legal experts said the case was a longshot, its withdrawal didn't alter the message it contained for governments: prepare...