One difficulty is that climate change is happening rapidly.
"Adaptation will be particularly challenging because the rate of change is escalating and is moving outside the range to which society has adapted in the past" when more natural climate changes happened, U.S. National Oceanic and Atmospheric Administration chief Jane Lubchenco, a marine biologist, told Congress on Wednesday.
Cities, states and countries are scrambling to adapt or are at least talking about it and setting aside money for it. Some examples:
* England is strengthening the Thames River flood control barrier at a cost of around half a billion dollars.
* The Netherlands is making its crucial flood control system stronger.
* California is redesigning the gates that move water around the agriculturally vital Sacramento River Delta so that they can work when the sea level rises dramatically there.
* Boston elevated a sewage treatment plant to keep it from being flooded when sea level rises. New York City is looking at similar maneuvers for water plants.
* Chicago has a program to promote rooftop vegetation and reflective roofs that absorb less heat. That could keep the temperature down and ease heat waves.
* Engineers are installing "thermal siphons" along the oil pipeline in Alaska, which is built on permafrost that is thawing, to draw heat away from the ground.
* Researchers are uprooting moisture-loving trees along British Columbia's coastal rainforests and dropping their seedlings in the dry ponderosa pine forests of Idaho, where they are more likely to survive.
* Singapore plans to cut its flood-prone areas in half by 2011 by widening and deepening drains and canals and completing a $226 million dam at the mouth of the city's main river.
* In Thailand, there are large-scale efforts to protect places from rising sea levels. Monks at one temple outside Bangkok had to raise the floor by more than 3 feet.
* Desperately poor Bangladesh is spending more than $50 million on adaptation. It is trying to fend off the sea with flood control and buildings on stilts.
President Barack Obama and Congress are talking about $1.2 billion a year from the U.S. for international climate aid, which includes adaptation.
The U.N. climate chief, Yvo de Boer, said $10 billion to $12 billion a year is needed from developed countries through 2012 to "kick-start" things. Then it will get even more expensive.
The World Bank estimates adaptation costs will total $75 billion to $100 billion a year over the next 40 years.
The International Institute for Environment and Development, a London think tank, says that number is too low. It may even be $200 billion a year or $300 billion a year, said Chris Hope, a business school professor at the University of Cambridge and part of the IIED study.
Nevertheless, Hope said failing to adapt would be even more expensive — perhaps $6 trillion a year on average over the next 200 years. Adaptation could cut that by about $2 trillion a year, he said.
As much as three-quarters of the spending will be needed in the developing world, experts say.
"Those are not the countries that caused the problem," Hope said. "There's a pretty strong moral case for us giving them assistance for the impacts that we've largely caused."
Sending money from rich countries to poor ones raises questions of who will control the spending and whether it will be wasted or stolen.
Some islands, such as the Maldives, and some coastal cities will not be able to survive rising seas no matter what protections are put in place, said Saleemel Huq, a senior fellow at IIED who runs an adaptation center in Bangladesh. In those cases, he said, the world will need "planned relocation" of people and cities.
Parmesan said people are going to have to realize that "some areas are not going to be good enough to live in in the next 100 years."
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