As the leaves begin to change we are treated with a beautiful display of yellows, reds, oranges, and browns.  Unlike last year, this year should turn out to be gorgeous.  New Hampshire's tourism industry suffered last fall due to "less-than-ideal foliage" resulting from damage caused by the Tropical Storm Irene.  This is an example of the effects resulting from hazards; this would be an example of direct losses.  You can read the full story here.  New Hampshire's fall foliage  Here in Wisconsin we don't worry about the results of tropical storms, rather we have the privilege of full view before we are covered in snow.  Enjoy the view of Wisconsin in the fall!