If your company wasn't impacted by Hurricane Matthew orthe subsequent flooding, consider yourselffortunate.

But it doesn't mean you're off the hook completely, as morestorms continue to brew while the calendar moves from autumn towinter. In fact, driven by El Nino, warm ocean currents arecreating severe weather conditions in all parts of the country. Forexample, in 2015, approximately 10.1 million acres burned inwildfires in the United States, compared with 3.8 million theprevious year. Meanwhile, winter storms caused an estimated $3.5billion in insured losses in 2016, up from $2.6 billion in2014.

The following information is not intended to be all-inclusive,but it should get you thinking about everyday conditions in yourworkplace.