FILE – Carla Bayerri, 45, inspects her restaurant after flooding in the seaside town of Alcanar, in northeastern Spain, Sept. 2, 2021. Damage wrought by Hurricane Ida in the U.S. state of Louisiana and the flash floods that hit Europe last summer have helped make 2021 one of the most expensive years for natural disasters. Reinsurance company Munich Re said Monday, Jan. 10, 2022 that overall economic losses from natural disasters worldwide last year reached $280 billion. (AP Photo/Joan Mateu Parra, file)