The impacts from extreme events depend not just on physical climate system hazards , but also on the exposure and vulnerability of humans or ecosystems to these events. For example, damage from land-falling hurricanes along the coast of the Gulf of Mexico is expected to increase as very strong hurricanes become more frequent and intense due to climate change. But damage would also increase with additional construction along the shoreline, because coastal development increases exposure to hurricanes. And if some structures are constructed to poor building standards, as was the case when hurricane Andrew made landfall in Florida in 1992, then vulnerability to hurricane-caused impacts is increased.
IPCC
Climate Change 2022: Impacts, Adaptation and Vulnerability
IPCC Report