I presume I wouldn't have to mention that agriculture, partly unique, is perhaps the most climate-sensitive branch of Canadian economic activity.
Natural hazards are risks that farmers face.
They are, by and large, beyond farmers' control, and there are many of them. In the field of multi-peril crop insurance, the primary causes of loss have been drought, hail, and excessive moisture. Frame that with a short window of opportunity to plant that crop, and ninety to a hundred days of sitting there at the mercy of the climate. Then follows another short time frame to get the crop harvested and safely in storage, all in order to obtain maximum quality. As you can gather, this doesn't always happen.