How will climate change affect you? Probably through water.

That’s the major message of a new World Bank report that finds the ways governments treat water can have a profound effect on the economy.

A couple of weeks ago, the task force Michigan governor Rick Snyder appointed to investigate Flint’s now infamous water crisis issued its long-awaited report.

Though governments have agreed to try to limit global warming to no more than two degrees Celsius above pre-industrial levels, a paper by James Hansen et al. in Atmospheric Chemistry and Physics finds that goal may not prevent major changes on an irreversible and unadaptable scale. Studying the last interglacial period, about 120,000 years ago, when the temperature was less than one degree Celsius warmer than today, Hansen et al. estimate sea level was six to nine meters higher than today.

Africa has its share of challenges, but it also leads the way in creative development responses. Take the Lake Tanganyika area in Tanzania. Daily life is hard. There are few roads. Cellphone service is patchy. You must travel by boat for seven hours to reach the nearest hospital. And if you have an obstetric emergency, there is no doctor in the village to help you.

Sitting at my desk looking at bills to be paid, the first one on the stack is for the water company, emblazoned with the phrase, “Water is Life.” Yes, we all know that. But really, as my teenagers would say, “Duh, Mom. So what?”

Well, here’s the “so what” on this World Water Day 2016.

DURBAN, South Africa — Arguably the most elegant aspect of an inelegant subject is how this city of 3.2 million residents, South Africa’s second largest, is solving monumental water and waste challenges in its jammed informal settlements.

Around the world, urbanization and climate change are transforming societies and environments, and the stakes could not be higher for the poor and marginalized. The 2015 UN climate conference in Paris (COP-21) highlighted the need for coordinated action to address the profound injustice of the world’s most disadvantaged people bearing the greatest costs of climate impacts. Among those at the COP were mayors from around the world advocating for the important role of cities in these efforts.

Ask Agnes Namukasa about sustainably managing fisheries in Kachanga, the lakeshore landing site she calls home in Uganda’s Masaka District, and you will soon learn about toilets. From her perspective, community members won’t address conflict between government enforcers and fishers, competition among neighboring villages, or pollution threatening aquatic ecosystems until they can first organize to address their most pressing daily needs. And in Kachanga, where chronic childhood diarrhea and a host of other illnesses stem from poor sanitation, those essentials include public latrines.