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El Nino is strengthening: Here’s what it means for the US

Typical El Nino Impacts. (ABC News)

(NEW YORK) — El Nino conditions continue to intensify and are likely to be a strong event in the coming months, significantly influencing our weather, the hurricane season and global temperatures, according to the latest forecast from the National Oceanic and Atmospheric Administration (NOAA).

There is very high confidence that El Nino will continue through early spring 2027.

NOAA’s latest forecast calls for a strong El Nino to develop by the fall, with an 81% chance of a very strong El Nino between October and December, which could also end up being one of the strongest events on record. Historical records go back to 1950.

Stronger El Nino events only make certain impacts more likely and do not always guarantee strong impacts, NOAA noted.

El Nino refers to the warmer-than-average phase of the El Nino–Southern Oscillation (ENSO), a natural cycle where sea surface temperatures across the central and eastern equatorial Pacific Ocean rise and fall. The cooler-than-average phase is called La Nina, while near-average conditions are known as ENSO-neutral.

NOAA ranks the strength of El Nino events by measuring the sea surface temperature departure from average (anomaly) across this region, classifying events as weak, moderate, strong or very strong.

“El Nino conditions are already underway and are forecast to strengthen rapidly into a strong event,” WMO Secretary-General Celeste Saulo said in a statement. “This will intensify the chances of drought and heavy rainfall and the risk of heatwaves on land and marine heatwaves in many regions of the world.”

While adjectives such as “super” and “extreme” are popular ways of describing the strength of an El Nino event on social media, NOAA and the WMO classify by strength. The WMO noted in a recent statement that “the term [[super]] is not part of standardized operational classifications.”

Typical El Nino impacts across the United States

Impacts from El Nino, similar to La Nina, tend to be most consistent and pronounced from late autumn through early spring following the event’s onset, NOAA says. There is usually a delay between the onset of the event and many of the associated effects.

“The more consistent impacts on precipitation and temperature don’t occur until the winter months — so for 2026-27,” Michelle L’Heureux, physical scientist at NOAA’s Climate Prediction Center, said.

Experts caution that the impacts on weather patterns are nuanced. Each season is different, and typical El Nino conditions don’t always materialize.

“Every El Nino is different in terms of timing, magnitude, and geographic extent, and such differences lead to variability in the impacts — on temperatures and rainfall, for example — on a global scale,” Andrew Kruczkiewicz, senior staff researcher at Columbia Climate School, said.

Northeast: Warmer-than-average temperatures are favored across the northern half of the U.S. during meteorological winter (December to February), however its influence is less pronounced in the Northeast, compared to the Upper Midwest and Northwest.

El Nino typically increases the odds of above-average snowfall in the mid-Atlantic and coastal areas of the Northeast as storms often move up the coast. Farther inland, drier-than-average conditions and less snow are more likely.

South: During the winter months, near- to below-average temperatures are favored along the southern tier of the U.S., especially from Texas to the Southeast.

For precipitation, wetter-than-average conditions are typically observed across Texas, the Gulf Coast and Southeast. Below-average precipitation is frequently observed across parts of the south-central Mississippi Valley.

Midwest: Warmer-than-average temperatures are favored from the northern Plains into the Great Lakes in the winter. Drier-than-average conditions are frequently observed across parts of the Ohio Valley and Great Lakes regions.

El Nino typically increases the odds of above-average snowfall in the south-central Plains with below-average snowfall favored in northern Plains and Great Lakes regions.

West: During the winter months, warmer-than-average temperatures are likely across much of the Northwest. For precipitation, wetter-than-average conditions are typically observed across southern California and much of the Southwest, with below-average precipitation frequently observed across parts of the northern Rockies.

El Nino typically increases the odds of above-average snowfall in the southern Rockies, with below-average snowfall favored in the northern Rockies.

Meanwhile, above-average tropical activity in the eastern Pacific increases the likelihood of indirect impacts to the southwestern U.S., such as sending more rain to the region and more frequent flash flood concerns.

Alaska: El Nino impacts in Alaska tend to be more pronounced than across much of the contiguous U.S., with the strongest effects typically occurring during the winter and spring months. During winter, warmer- and drier-than-average conditions are more likely, with less snowfall and reduced snowpack.

Above average temperatures often persist into spring, while precipitation trends closer to average. However, warmer conditions typically mean more precipitation falls as rain rather than snow, prolonging snow deficits.

Hawaii: Rainfall is typically above average across Hawaii the year an El Nino event develops before conditions become drier during the winter months and remain dry well into the following year. The shift toward drier weather can increase the likelihood of drought and elevate the risk of wildfires.

Meanwhile, above-average tropical activity in the eastern Pacific increases the risk of impacts from tropical systems across the Hawaiian Islands.

El Nino’s influence on hurricane season activity

While El Nino is only one of several key factors that influence tropical activity, forecasts now indicate it will be a strong event during the peak of the hurricane season, making it the primary driver of activity in both the Atlantic and eastern Pacific in the coming months.

El Nino conditions often suppress tropical activity during the Atlantic hurricane season by producing unfavorable atmospheric winds. In the Eastern Pacific, the opposite occurs, with favorable conditions supporting above-average hurricane season activity.

As a result, NOAA’s May 21 hurricane outlook is predicting below average tropical activity for the 2026 Atlantic hurricane season with above average activity likely in the eastern Pacific.

“El Nino increases convection (thunderstorms) across the eastern and central Pacific, which causes downstream wind shear over the Atlantic from strong upper-level winds,” Andy Hazelton, an associate scientist at the University of Miami’s Cooperative Institute for Marine and Atmospheric Studies, said.

Vertical wind shear, which refers to changes in wind speed and direction with height in the atmosphere, is often a primary factor in below-average hurricane season activity. Strong vertical wind shear can tear a developing tropical system apart or even prevent it from forming, NOAA says.

“The rising motion over the Pacific also leads to increased subsidence (sinking air) over the Atlantic, which suppresses thunderstorms and tropical cyclone development,” Hazelton added.

Other factors, such as sea surface temperatures, also play an important role in tropical cyclone development and strength. Unseasonably warm ocean waters can partially offset the effects of unfavorable atmospheric winds, according to forecasters.

Copyright © 2026, ABC Audio. All rights reserved.

Young Americans have higher credit scores today than before Covid

New York (CNN) — Kelly Klein graduated from college with $100,000 in student loans that she feared would haunt her forever.“I expected I’d never pay off my student debt,” said Klein, who is 31 years old.But flash forward 10 years and Klein is now debt-free, her retirement account is flush and her credit score is pristine.“Every commission check I earned for the first six years went to paying off my debt. Every single penny,” said Klein, who is based in Nashville, Tennessee, and works as a loan officer at a community development financial institution.While millions of Americans are hurting from high prices and low hiring, new research suggests the finances of younger generations are displaying surprising resilience.Americans between the ages of 18 and 29 have higher credit scores today than they did just before Covid-19, according to FICO research shared first with CNN.Not only that, but that youngest generation’s 17-point increase in average credit scores since 2019 is the biggest among any age group FICO measured. The second biggest increase in credit scores over that timeframe was for the 30-to-44 cohort, otherwise known as Millennials.Most of the gains occurred during the initial stages of the health emergency when student loan payments were paused.Experts say younger Americans have benefited from access to better education about the importance of protecting credit scores to hold down payments later in life.“Gen Z is pretty savvy about credit. And they are more aware of credit scores, in part because there have been so many economic headwinds during their lives,” said Matt Schulz, chief credit analyst at LendingTree.‘A lot more knowledge’Overall FICO scores fell slightly between April 2025 and April 2026. However, credit scores for Gen Z are up by one point over that timeframe and roughly half have a very strong FICO score of 700 or above.Klein, who is a Millennial, said she learned valuable lessons about finance and investing from experts on social media. Klein also said she joined a free webinar on opening a brokerage account and familiarized herself with tax strategies and how to maximize credit card rewards.“We have a lot more knowledge than previous generations did. A lot of it was gate-kept, especially from women, and tailored toward men. Luckily, I feel like financial education is more available,” she said.Another factor: Younger borrowers are at or near the beginning of their credit journeys, giving them the most room to grow their credit scores. FICO said it doesn’t take into consideration age when scoring borrowers, but it does evaluate how long someone has been able to successfully make payments on time.As consumers take on different kinds of debt — moving from just credit cards and student debt to car loans and mortgages — they open themselves up to being better borrowers. That’s a key factor in determining credit scores.Schulz compared younger Americans increasing their credit scores with a new driver borrowing Mom or Dad’s car.“The first few times they might put some real restrictions on you. But if you show you can handle it over time, they might not think at all about letting you borrow the car. Credit is very similar,” Schulz said. “Having time and experience handling credit responsibly leads to credit scores being higher.”K-shaped economy is evidentMore emphasis on being responsible borrowers may help explain why, at a high level, average credit scores for younger Americans have held up better than might be expected in today’s economic environment, where high-income earners have seen their wealth grow faster than low-income earners.As of April, nearly half (49.6%) of borrowers aged 18-29 had a strong credit score of 700 or above, according to FICO. That’s up from 41.4% in April 2020.However, there are disparities beneath the surface that underscore the K-shaped economy.For instance, FICO said the score distribution for 18-29 year olds has shifted toward both higher and lower scores “rather than clustering in the middle.”In other words, high credit scores today for young people are higher than in 2019 — but so are low ones.“There’s a lot of fragmentation among Gen Z. Many of them are thriving. Some are struggling and relying on support from parents. We’re definitely seeing a K-shaped economy,” said Tommy Lee, senior director at FICO.3.2 million borrowers are behind on student debtOne pressure facing younger Americans is the spike in housing costs driven by elevated mortgage rates and record-high home prices.The average monthly mortgage payment for a first-time homebuyer is 57% higher than in 2019, according to FICO.Another arguably bigger factor is the return of student debt payments and credit bureau reporting after a Covid-era pause.As of April, about 3.2 million Americans of all ages with a student loan payment due (or 14%) had a recent delinquency (30 days or more past due) reported in the prior six months, according to FICO.Those borrowers who fell behind on their student loans and were deemed delinquent saw their FICO score decline by an average of 38 points.By contrast, another 4.9 million borrowers either resolved a delinquency or moved into another repayment status, such as starting a repayment plan. Those consumers experienced an average credit score increase of 16 points, according to FICO.Schulz, the LendingTree expert, stressed that missed payments carry severe consequences that can haunt borrowers for many years — especially when they need to get a mortgage.“It really only takes one payment 30 days or more late to really do damage to your credit score,” he said.The-CNN-Wire™ & © 2026 Cable News Network, Inc., a Warner Bros. Discovery Company. All rights reserved.
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