On July 4, the broken remnants of a powerful tropical storm spun off the warm waters of the Gulf of Mexico so heavy with moisture that it seemed to stagger under its load. Then, colliding with another soggy system sliding north off the Pacific, the storm wobbled and its clouds tipped, waterboarding south central Texas with an extraordinary 20 inches of rain. In the predawn blackness, the Guadalupe River, which drains from the Hill Country, rose by more than 26 vertical feet in just 45 minutes, jumping its banks and hurtling downstream, killing 109 people, including at least 27 children at a summer camp located inside a federally designated floodway.

Over the days and weeks to come there will be tireless — and warranted — analysis of who is to blame for this heart-wrenching loss. Should Kerr County, where most of the deaths occurred, have installed warning sirens along that stretch of the waterway, and why were children allowed to sleep in an area prone to high-velocity flash flooding? Why were urgent updates apparently only conveyed by cellphone and online in a rural area with limited connectivity? Did the National Weather Service, enduring steep budget cuts under the current administration, adequately forecast this storm?

Those questions are critical. But so is a far larger concern: The rapid onset of disruptive climate change — driven by the burning of oil, gasoline and coal — is making disasters like this one more common, more deadly and far more costly to Americans, even as the federal government is running away from the policies and research that might begin to address it.