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This report by RMI examines the evolving role of the insurance sector in supporting climate resilience, arguing that current civil society expectations for insurers to drive resilience are exceeding the operational realities of insurance markets.

This case study describes a pilot flood insurance programme in Kenya, developed by Britam Insurance Kenya with support from FSD Africa and Swiss Re, to provide financial resilience to vulnerable households in Tana River County following devastating floods in late 2023.

This research paper by the Center for International Environmental Law argues that private insurance companies in California are avoiding the costs of climate-driven disasters—specifically the January 2025 Los Angeles wildfires—by shifting risk to the public and the state-supported FAIR Plan, while simultaneously profiting from investments in the fossil fuel industry.

This research paper by the Center for International Environmental Law examines how climate-induced extreme weather is driving an insurance crisis in the United States, which in turn threatens housing affordability and financial stability. The authors argue that insurance companies are exacerbating the crisis by raising premiums to recoup losses while simultaneously reinvesting profits into fossil fuel companies.

This research paper analyzes a proposed bill in the New York State Legislature, the "Insuring Our Future Act," which seeks to use state regulatory authority to address rising insurance costs and coverage gaps caused by climate change. The authors argue that insurance companies are hypocritically citing climate-driven disasters to raise premiums while continuing to finance and underwrite the fossil fuel projects that drive the climate crisis.

A statement by the Center for International Environmental Law (CIEL) argues that twelve major insurers, termed the 'Dirty Dozen', are restricting homeowners insurance in California due to climate risks while simultaneously profiting from fossil fuel investments and underwriting.

This report by Krutham, commissioned by the African Climate Foundation, examines the role of the insurance sector in enhancing climate resilience in South Africa. It analyzes the physical and transition risks facing insurers, the gaps in national and municipal disaster risk financing, and the potential for innovative insurance products—such as index-based and microinsurance—to protect vulnerable populations and infrastructure.

This case study describes the African Risk Capacity (ARC), a sovereign risk pool and early response mechanism that provides drought insurance to African Union member states to protect food security for vulnerable populations.

The Restoration Insurance Service Company (RISCO) is a social enterprise designed to fund mangrove conservation and restoration by monetizing the adaptation and mitigation values of these ecosystems. It generates revenue through annual fees from insurance companies for flood reduction benefits and the sale of blue carbon credits.

This report, produced through a collaboration between the NAP Global Network and the InsuResilience Global Partnership (IGP), analyzes how countries integrate climate and disaster risk finance and insurance (CDRFI) solutions into their National Adaptation Plan (NAP) processes. The analysis is based on a systematic review of NAP documents and NAP readiness proposals submitted to the Green Climate Fund (GCF).

This fact sheet examines the role of insurance and alternative risk financing in building financial resilience against climate change. It details the growing 'protection gap'—the difference between total economic losses and insured losses—and explores emerging tools such as catastrophe bonds, microinsurance, and sovereign risk pools designed to manage the increasing frequency and intensity of climate-related disasters.

This research paper by Andreas Spiegel of Swiss Re argues for a balanced climate adaptation strategy that combines cost-effective risk prevention measures with risk transfer mechanisms, such as insurance. Using data from the Economics of Climate Adaptation (ECA) working group, the author demonstrates that a significant portion of climate-related losses can be averted through preventative action, while residual risks should be managed via public-private partnerships and innovative financial instruments to protect vulnerable economies, particularly in developing nations.

This working paper examines insurance mechanisms as a tool to improve climate change resilience for poor and vulnerable populations, intended to inform UNFCCC discussions leading up to the December 2009 Conference of Parties in Copenhagen.