A sudden cloudburst in Kolkata caused severe flash flooding and infrastructure strain in a densely populated city. Power disruptions, waterlogging, and damage to public assets sparked concerns about the financial cost to municipal and state budgets. In response, insurers and private firms are promoting climate insurance products and parametric policies to help cover unpredictable weather losses. Analysts say rising frequency of such events could force higher premiums and increased allocation of public funds toward resilient infrastructure.