Add events: Damage from Hail, Flooding, Freezing

[toddmedema]

1. Hail can damage PV panels https://www.linkedin.com/feed/update/urn:li:activity:7178704710630076417/ - cost would get folded into insurance premiums, but they'd still be offline for repairs for XXX time
2. Freezing can block natural gas pipelines, IF you're in a warm area and IF you don't build or upgrade your facilities to have pipe heaters (which cost upfront + maintenance) (those sort of options should be part of the build by default in cold areas)

TO RESEARCH: How should we think about insurance costs? Would it be a flat "per panel per year" rate that goes up with inflation, or would it go up faster for you if you have lots of extreme weather events? (It could be an interesting simulation mechanic that the more CO2 you emit -> the more extreme weather events you experience -> the faster your insurance rates go up)

TO RESEARCH: What else is damaged by extreme weather? E.g. extreme hot or cold?

Nope: Flooding damage. May only be doable with flood maps, which are either computationally difficult or depend on proprietary data. Simplified to the already true "hydro and pumped storage cannot exceed their capacity no matter how much rain falls"