Extreme weather is wreaking havoc on the catastrophic market, especially in America’s Heartland. In the classic movie The Wizard of Oz, Dorothy famously looks around after awakening with her dog in the Land of Oz and says, “Toto, I’ve a feeling we’re not in Kansas anymore.” That line takes on an entirely new but still appropriate meaning for the insurance industry, which lately has come to realize that Kansas isn’t exactly Kansas anymore.