Safeguarding Lives and Livelihoods in Kenya

The document details a pilot flood insurance initiative in Kenya designed to provide financial resilience to vulnerable populations in flood-prone areas. Following a feasibility study in Tana River, Kilifi, and Kisumu counties, Britam Insurance Kenya and FSD Africa launched a product that provided payouts to 300 families in Tana River County during the October–December 2023 floods. The programme specifically targeted marginalized groups, with 75% of insured households headed by women, youth, or persons with disabilities. The initiative utilized catalytic funding from FSD Africa and premium subsidies from Oxfam Kenya, with Swiss Re covering 80% of claims, establishing a model for scaling climate adaptation and disaster response in other Kenyan regions.

• A feasibility study involving 251 households and 16 stakeholders across Tana River, Kilifi, and Kisumu counties found that 70% of respondents were willing to invest in an insurance product, despite average monthly household incomes barely exceeding Kshs. 11,700.
• The pilot flood insurance programme provided financial relief to 300 families in Tana River County following floods between October and December 2023, which displaced over 546,000 Kenyans and caused 170 deaths.
• The programme prioritised vulnerable populations, with 75% of the 300 insured households headed by persons with disabilities, youth, or women.
• The financial structure of the pilot involved catalytic funding from FSD Africa to de-risk the phase, premium subsidies from Oxfam Kenya, and a partnership with Swiss Re to cover 80% of claims.

APA

FSD Africa (2025). Safeguarding Lives and Livelihoods in Kenya. https://fsdafrica.org/impact-stories/safeguarding-lives-and-livelihoods-in-kenya/

Chicago

FSD Africa. Safeguarding Lives and Livelihoods in Kenya. 2025. https://fsdafrica.org/impact-stories/safeguarding-lives-and-livelihoods-in-kenya/.

Wikipedia

{{cite report |author=FSD Africa |title=Safeguarding Lives and Livelihoods in Kenya |date=31 May 2025 |url=https://fsdafrica.org/impact-stories/safeguarding-lives-and-livelihoods-in-kenya/ |access-date=17 August 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{fsdafrica2025safeguarding, author = {{FSD Africa}}, title = {{Safeguarding Lives and Livelihoods in Kenya}}, institution = {FSD Africa}, year = {2025}, month = may, url = {https://fsdafrica.org/impact-stories/safeguarding-lives-and-livelihoods-in-kenya/}, urldate = {2026-08-17}, note = {Indexed by Climate Insights Directory} }