From desmogblog:

Here’s a term that bears repeating: climate disruption tax. What is a climate disruption tax? It’s the cost to the American taxpayer of dealing with the impacts of climate-related weather events, as introduced by NRDC’s Dan Lashof and Andy Stevenson. …

We always hear about how much it will cost to transition away from fossil fuels and to slow deforestation. But the costs of inaction rarely stick in the discussion.  …

Which is why any clever new way of framing climate-related costs should be celebrated and spread far and why. Over on Switchboard, NRDC’s Lashof and Stevenson are onto something.

… climate-related severe weather events cost Americans the equivalent of tacking an extra 3.9-percent sales tax across the nation.  …  Superstorm Sandy took a disproportionate toll on New York and New Jersey, and if you break down the climate disruption tax by state, those states each suffered an “effective climate tax rate” of around 25 percent. Ouch.

Lashof and Stevenson get into a lot more details and run a lot more numbers on their original post, which you really should check out.

But the takeaway is that climate change is costing us real money, today, at a rate far higher than any proposed carbon tax or clean energy program would cost.