The UN World Meteorological Organization confirms 2023–2025 will be the hottest three consecutive years in 176 years of records, following the hottest decade from 2015–2025 and new peaks in global greenhouse gases in 2024, making a temporary overshoot of the Paris 1.5 °C target near-certain; experts say staying below 1.5 °C without overshoot is now virtually impossible. With COP30 in Brazil in November 2025 approaching, only a minority of countries have submitted enhanced Nationally Determined Contributions while close to 100 countries—representing about two-thirds of global emissions—are preparing or updating NDCs. This escalation raises immediate risks to infrastructure, supply chains, real estate and financial liabilities and narrows the policy window: immediate priorities are finalizing more ambitious NDCs at COP30, scaling carbon removal and accelerating adaptation and resilience financing.