Incremental adaptation is occurring . In the longer term, transformative adaptation, including land use change, will be required , both as a result of sectoral adaptations and mitigation  . Specific changes are context specific and challenging to project . Future adaptive capacity may be limited by declining institutional and community capacity resulting from high debt, unavailability of insurance, increasing regulatory requirements and funding mechanisms that lock in ongoing exposure to climate risk, creating mental health impacts .
IPCC
Climate Change 2022: Impacts, Adaptation and Vulnerability
IPCC Report