Another massive winter storm is bearing down on the southeastern and eastern United States, making an already bad season that much worse.
Airlines and passengers have already lost billions of dollars on flight cancellations, while cities and towns have used up their salt and blown their overtime budgets.
And that doesn't even count the damage ice and snow have done to homes and cars.
The cost of winter storms to the insurance industry has been steadily rising since the 1980s, according to the Insurance Information Institute and data from reinsurer Munich Re.
While the figures are variable from year to year, the trend over time is clear.