Insurance and risk transfer

This study shows that uninsured flood damage increases financial distress among mortgage borrowers, especially those with low income or home equity.

Türkiye sits at the crossroads of natural hazards. The question is no longer whether the next disaster will occur, but how prepared the country is to protect lives, livelihoods, and public finances when it does.

ARC has launched Africa’s first sovereign parametric flood insurance policy, marking a major innovation in climate risk financing and strengthening African countries’ capacity to respond to the growing impacts of climate change.

This annual report summarizes preliminary global loss totals and major catastrophe events that occurred throughout 2025.

Climate shocks are rising, widening the protection gap. Oman now makes climate‑risk motor insurance automatic, signalling a shift toward integrating insurability into planning as extreme weather, cyber risks, and misinformation compound future losses.

This working paper examines how the insurance and reinsurance sectors are responding to these challenges, as well as the emerging limits of traditional risk-transfer models.

WWF´s policy brief calls for a strategic shift in how governments and financial regulators address the insurance protection gap, placing climate mitigation, nature restoration and insurance policy on an equal footing.

A new WWF white paper,  “Tackling the Insurance Protection Gap: leveraging climate and nature to increase resilience ”, warns that degrading ecosystems are amplifying climate risks and driving uninsured losses across advanced economies.