For Policymakers 1 -- Technical Summary 19 -- 1. Overview of Impacts, Adaptation, and Vulnerability to Climate Change 75 -- 2. Methods and Tools 105 -- 3. Developing and Applying Scenarios 145 -- 4. Hydrology and Water Resources 191 -- 5. Ecosystems and Their Goods and Services 235 -- 6. Coastal Zones and Marine Ecosystems 343 -- 7. Human Settlements, Energy, and Industry 381 -- 8. Insurance and Other Financial Services 417 -- 9. Human Health 451 -- 10. Africa 487 -- 11. Asia 533 -- 12. Australia and New Zealand 591 -- 13. Europe 641 -- 14. Latin America 693 -- 15. North America 735 -- 16. Polar Regions (Arctic and Antarctic) 801 -- 17. Small Island States 843 -- 18. Adaptation to Climate Change in the Context of Sustainable Development and Equity 877 -- 19. Vulnerability to Climate Change and Reasons for Concern: A Synthesis 913 -- A. Authors and Expert Reviewers 971 -- C. Acronyms, Abbreviations, and Units 997 -- D. List of Major IPCC Reports 1001.