Unchecked climate change will cost the US hundreds of billions of dollars and damage human health and quality of life, a US government report warns.
"Future risks from climate change depend... on decisions made today," the 4th National Climate Assessment says.
The report says climate change is "presenting growing challenges to human health and safety, quality of life, and the rate of economic growth".
The warning is at odds with the Trump administration's fossil fuels agenda.
Sounding an alarm
By James Cook, Los Angeles correspondent, BBC News
During a blast of icy weather in Washington this week, Donald Trump tweeted, "whatever happened to global warming?"
Now, without mentioning the president, his own scientists have answered their boss' question in comprehensive detail.
Global warming is here in the US, they say - now. It is already deadly serious and without urgent, dramatic change, it will be catastrophic.
This report is striking for two reasons. First, it is not abstract. It gives many specific examples - overwhelmed dams in South Carolina; failing crops in the parched Great Plains; a rise in insect-borne disease in Florida.
And, secondly, it majors on the economic impact, in effect challenging the White House's insistence on prioritising economic growth over environmental regulation.
With warnings about the effects on crumbling infrastructure, falling crop yields and decreasing labour productivity, the report sounds an alarm that climate change will soon cascade into every corner of American life.
The White House said the report - compiled with help from numerous US government agencies and departments - was inaccurate.
Spokeswoman Lindsay Walters said it was "largely based on the most extreme scenario, which contradicts long-established trends by assuming that... there would be limited technology and innovation, and a rapidly expanding population".
The world's leading scientists agree that climate change is human-induced and warn that natural fluctuations in temperature are being exacerbated by human activity.
What does the report say?
The US climate assessment outlines the prospective impacts of climate change across every sector of American society.
"With continued growth in emissions at historic rates, annual losses in some economic sectors are projected to reach hundreds of billions of dollars by the end of the century - more than the current gross domestic product (GDP) of many US states," the report says.
"Without substantial and sustained global mitigation and regional adaptation efforts, climate change is expected to cause growing losses to American infrastructure and property and impede the rate of economic growth over this century."
The report notes that the effects of climate change are already being felt in communities across the country, including more frequent and intense extreme weather and climate-related events.
But it says that projections of future catastrophe could change if society works to reduce greenhouse gas emissions and "to adapt to the changes that will occur".
What reaction has there been?
Environmental groups said the report underlined their demands for action.
Brenda Ekwurzel, director of climate science at the Union of Concerned Scientists and one of the report's authors, said the report made it clear that climate change was not "some problem in the distant future".
"It's happening right now in every part of the country," she said.
That view was echoed by Abigail Dillen, president of environmental group Earthjustice.
"While President Trump continues to ignore the threat of climate change, his own administration is sounding the alarm," she said.
Former US Vice-President Al Gore, a prominent climate change campaigner, accused the White House of trying to bury the report by releasing it on Black Friday - the unofficial start of America's Christmas shopping season.
"Unbelievably deadly and tragic wildfires rage in the west, hurricanes batter our coasts - and the Trump administration chooses the Friday after Thanksgiving to try and bury this critical US assessment of the climate crisis," Mr Gore said.
"The president may try to hide the truth, but his own scientists and experts have made it as stark and clear as possible."
What does President Trump say about climate change?
In October, President Trump accused climate change scientists of having a "political agenda", telling Fox News he was unconvinced that humans were responsible for the earth's rising temperatures.
After taking office he announced the US would withdraw from the Paris climate change agreement, which commits another 187 other countries to keeping rising global temperatures "well below" 2C above pre-industrial levels.
At the time, Mr Trump said he wanted to negotiate a new "fair" deal that would not disadvantage US businesses and workers.
During his election campaign in 2016 Mr Trump said climate change was "a hoax". However he has since rowed back on that statement saying in a recent interview: "I don't think it's a hoax, I think there's probably a difference."
How great is the climate threat?
A report released in October by the Intergovernmental Panel on Climate Change (IPCC) - the leading international body evaluating climate change - said it could only be stopped if the world made major, and costly, changes.
That means reducing global emissions of CO2 by 45% from 2010 levels by 2030, and reducing coal use to almost zero and using up to seven million sq km (2.7 million square miles) for land energy crops.
If the world fails to act, the researchers warned, there would be some significant and dangerous changes to our world, including rising sea levels, significant impacts on ocean temperatures and acidity, and the ability to grow crops such as rice, maize and wheat.