We cannot afford to treat climate disasters as surprises

April 21, 2026

Insurance is the Promise; Broking is the Bridge

In the past five years alone, failed rainy seasons have left over 4 million people across Kenya in need of humanitarian aid, with livestock dying in their thousands. Across the northern counties, children have had to drop out of school as entire communities are displaced in search of water and pasture. On the other extreme, heavy rains just last year led to mudslides that caused the deaths of 48 people and displaced many more.

When such disasters strike, we often respond as though they were unpredictable. But are they? Kenya has one of the most developed climate monitoring systems in the region. Rainfall patterns, temperature shifts, and vegetation cover can all be tracked with increasing accuracy. And judging by recent trends, it is quite clear that extreme weather events, caused by climate change, will continue to grow in frequency and severity. What is less clear is why we continue to treat these events as surprises, when they are recurrent challenges to gauge our capacity for risk management.