The state Commission on Climate Change issued its first findings today about how global warming will affect Virginia.

The commission found, among other things, that:

• A rising sea level is a major concern for low-lying Hampton Roads. A warmer climate causes the sea to rise, in part from the melting of glaciers.
• The continued affordability of insurance is a problem as the planet warms. Some experts say a warmer planet will generate worse storms.
• Climate change will cause some species to disappear from Virginia by changing their habitats.

Gov. Timothy M. Kaine appointed the 43-member state panel 10 months ago to investigate ways to address global warming. The commission is scheduled to issue a full report by Dec. 15