a few months ago my apartment flooded, I had to move and throw a lot of stuff away. There was a lot of rain, but also the sewers weren't being maintained. If they had been, the water might have not come inside. It was an informal living arrangement so I didn't have flood insurance, and neither did the property owner. there was no government assistance. Luckily I had a zero interest credit card to cover the unexpected expenses.
Climate is something I consider in my decision making more often now. I now live in a place with a brand new storm sewer system, it shouldn't flood here. The air is cleaner than where I lived before too. I didn't pick where I live exclusively for those reasons, but they were part of it. I have air filters throughout my house, and since there has been more wildfire smoke over the years, an air quality monitor. I worry about the resiliency of some of the infrastructure where I live. I think about these things a lot now, I didn't before.
I try to make eco conscious decisions (efficient car, pay extra for green energy, choose longer lasting goods when available) but I still buy things and live my life. I travel as much as I my circumstances allow. I'd rather rent a car vs use transit when visiting places. unless there is an electricity shortage I run my air conditioning at the setting I like and use appliances when it's convenient for me. I don't want my life to be harder. I know my existence causes harm, I try to reduce it without negatively impacting my quality of life.