Gender analysis of climate and disaster risk finance and insurance in Madagascar

This report examines how Climate and Disaster Risk Finance and Insurance (CDRFI) policies and programmes in Madagascar integrate Gender Equality and Social Inclusion (GESI), and assesses whether existing frameworks effectively address differentiated vulnerabilities. This study was conducted as Madagascar is highly exposed to climate-related shocks, including recurrent cyclones and droughts, which disproportionately affect women due to entrenched social norms, high poverty levels, and limited access to land ownership and financial services.

The results of the analysis highlights key constraints to efficacy, such as low financial and insurance literacy, limited decision-making power for women, weak regulatory incentives for gender-responsive insurance products, and persistent gaps in sex-disaggregated data. Moreover, climate shocks further intensify livelihood insecurity, disruptions to education and gender-based violence, particularly in rural and cyclone- and drought-prone areas, deepening gendered vulnerabilities.