A developing super El Niño could do more than reshape weather patterns across the U.S. this year; it could also make home insurance more expensive. Forecasters warn the unusually strong climate pattern may fuel heavier rainfall, flooding, and more destructive storms in some regions, increasing the risk of costly damage that insurers ultimately pass on to homeowners. El Niño occurs when unusually warm Pacific Ocean waters disrupt global weather systems, and in especially strong, or “super,”