I live in one of those areas and climate change is _harming_ us today, here a couple of examples:
- Milder winters mean more ticks and pests survive to eat lumber and spread disease, causing personal harm as well as economic.
- Warmer and drier summers decrease agricultural output
- A grater variety of rainfall cause mudslides and property damage increases
- Snakes can survive further north, to the mountains eating birds eggs which have never needed to understand the danger of them
- Boars survive winters better, causing destructions to agriculture.
- Higher frequently of forest fires.
- Algae at the coast bloom more intensely, preventing tourism and suffocates other species.