There are large differences in such risks from country to country, place to place, and person to person. This is of course partly due to differences in hazards such as heatwaves, floods, droughts, storms, storm surges, etc., and the way those hazards are influenced by climate change. However, an even more important aspect is people's exposure and vulnerability: do these hazards occur in places where people live and work, and how badly do they affect people's lives and livelihoods? Some groups are especially vulnerable, for instance elderly in the case of heatwaves, or people with disabilities in the case of floods. In general, poor and marginalised people tend to be much more affected than rich people, partly because they have fewer reserves and support systems that help them to prepare for, cope with and recover from a shock. On the other hand, absolute economic losses are generally higher in richer places, simply because more assets are at risk there.
IPCC
Climate Change 2022: Impacts, Adaptation and Vulnerability
IPCC Report