Severe flooding in Togo wipes out the income and assets of urban workers, destroying homes, businesses, and daily wages. Without a safety net, many are pushed into poverty overnight, with no means to recover or rebuild. As rainy seasons become more erratic and intense, the communes of Kloto 1 (Kpalimé), Golfe 1, and Golfe 7 (Lomé) are increasingly vulnerable. This initiative aims to strengthen local resilience and emergency response capacity, ensuring that climate-related floods do not deepen poverty. Launched at the request of the Mayor of Kpalimé, it is Africa’s first locally led flood insurance initiative. Community members and local authorities co-designed the insurance product and response plans, choosing a local insurer to provide capacity for the product. The simple, binary pay-out model triggered by excess rainfall builds trust in insurance as a reliable safety net. Similar initiatives are now being launched elsewhere in Africa.
Togo, faces increasingly volatile flooding that threatens infrastructure, livelihoods, and vulnerable communities.
People protected across 2 years
Peril covered
Maximum pay-out across 2 years
