If they prevail even a little bit, the state of Florida had better watch out. From the Christian Science Monitor:

A major insurance company is accusing dozens of localities in Illinois of failing to prepare for severe rains and flooding in lawsuits that are the first in what could be a wave of litigation over who should be liable for the possible costs of climate change.

Farmers Insurance filed nine class actions last month against nearly 200 communities in the Chicago area. It is arguing that local governments should have known rising global temperatures would lead to heavier rains and did not do enough to fortify their sewers and stormwater drains.

The legal debate may center on whether an uptick in natural disasters is foreseeable or an "act of God." The cases raise the question of how city governments should manage their budgets before costly emergencies occur.

"We will see more and more cases," said Michael Gerrard, director of the Center for Climate Change Law at Columbia Law School in New York. "No one is expected to plan for the 500-year storm, but if horrible events are happening with increasing frequency, that may shift the duties."