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If we assume that governments aren't going to address climate change and coordination between private citizens is unlikely to be enough to stop it, has anyone written anything on what individuals should do to avoid its effects?

It feels like we are at the point where we should be talking a lot more about how live decent lives assuming that prevention and mitigation are unlikely.

It’s going to be very hard to avoid global phenomena. On top of that, predicting higher order effects on a system this complex is hard.

I live in the PNW on the Canadian side of the border (PSW?) where people have argued that we might be a climate change safe haven due to plentiful water and a temperate climate. That hasn’t stopped us from having extreme weather events. In the past five years we have seen a heat wave that killed hundreds, floods that cut us off from the rest of Canada for weeks, concerns about water supply since our summer water supply relies on snowmelt, and we are getting less snow and more rain in the winter. Fire and dangerous smoke over huge parts of the province is now a given from mid July onwards.

The list goes on, but the point is that there is no avoiding its effects.

I know of people who bought property in western North Carolina with this mindset. It’s higher elevation, far from coasts, near fertile farm land, with lots of surface water to drink and use. And far from other geo hazards like volcanoes, earthquakes, etc. On paper it checked a lot of boxes for long-term safety.

Then a hurricane went where it had never gone before and wrecked their entire neighborhood.

It’s hard to know exactly how a complex chaotic system is going to react when inputs change. And it only takes one outlier to cause a lot of harm on a local human scale.

This is why so much effort goes into computer modeling of the climate BTW. We know our emissions are changing the climate. But predicting local effects is damn hard.