Summary:

The issue of climate change and as a consequence of these changes in extreme weather events are currently the subject of many studies and actions of governments in dealing with phenomena occurring. Rural areas and production takes place in these areas in Poland depends mainly on natural weather conditions, it causes that the farmers are often large financial losses because of extreme weather. Insurance packages offered by the company are expensive, so farmers use them piecemeal, or not at all. The article about the financial losses that took place in 2010-2014 in the 60 municipalities of the Warmia and Mazur Region. In relation to each municipality collected 20 geo-information describing spatial conditions, environmental and economic (financial losses). By using the method of moving backward regression and correlation analysis were obtained four independent variables affecting the size of the resulting losses. These include: surface on which the loss occurred, the surface of which is used for agriculture - divided on plowed land and meadows and pastures, and the rate of water conditions. Last variable speaks of the capacity of soil to accumulate water, thus is important in times of small amounts of rainwater. The study exacerbate the problems associated with ongoing climate change, which in rural areas Polish issues are very young.