More than three-quarters of adults in the United States say they've experienced extreme weather in the last five years, according to a nationwide survey conducted by NPR, the Robert Wood Johnson Foundation, and the Harvard T.H. Chan School of Public Health.

And events like floods, wildfires and hurricanes are emptying bank accounts — especially when insurance doesn't cover the damage. Today on The Indicator, we bring you an episode of Short Wave, NPR's daily science podcast.