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For many generations, Caribbean smallholder farmers have used traditional knowledge to manage drought impacts. However, patterns of increased climate variability increasingly challenge traditional drought management practices, creating livelihood insecurities and uncertainties. Climate Information Services (CIS) have been promoted as an agile risk management strategy to help farmers negotiate challenges of increased climate extremes. Yet, despite the promise and possibilities of CIS, there is limited evidence of CIS uptake and associated risk reduction across the Caribbean. A mixed‐method research approach is used to examine the uptake of CIS among farmers (N = 356), testing the association with selected drought impact outcomes in one of Jamaica's breadbasket regions. The associations between drought impacts and farmer accessibility and use of four (4) locally available CIS are assessed. Results indicate limited farmer uptake of mobile text and online climate information products, with less than 5 per cent of the sample having accessibility to online CIS. Farmers who are aware of, and use CIS, reported lower crop losses, less financial strain, and were more likely to reinvest immediately after drought events. These results provide empirical evidence of associations between farm‐level use of CIS and drought risk management actions, which could be used to inform future drought management interventions.
For many generations, Caribbean smallholder farmers have used traditional knowledge to manage drought impacts. However, patterns of increased climate variability increasingly challenge traditional drought management practices, creating livelihood insecurities and uncertainties. Climate Information Services (CIS) have been promoted as an agile risk management strategy to help farmers negotiate challenges of increased climate extremes. Yet, despite the promise and possibilities of CIS, there is limited evidence of CIS uptake and associated risk reduction across the Caribbean. A mixed‐method research approach is used to examine the uptake of CIS among farmers (N = 356), testing the association with selected drought impact outcomes in one of Jamaica's breadbasket regions. The associations between drought impacts and farmer accessibility and use of four (4) locally available CIS are assessed. Results indicate limited farmer uptake of mobile text and online climate information products, with less than 5 per cent of the sample having accessibility to online CIS. Farmers who are aware of, and use CIS, reported lower crop losses, less financial strain, and were more likely to reinvest immediately after drought events. These results provide empirical evidence of associations between farm‐level use of CIS and drought risk management actions, which could be used to inform future drought management interventions.
Crop insurance is a crucial way to avoid disaster losses and to guarantee farmers’ basic production income in China and abroad. Securing agricultural production is a critical way to eradicate hunger and reduce poverty and an essential means to achieve the UN Sustainable Development Goals. How to pay out more quickly and fairly after a disaster has become an urgent issue for agricultural insurance. The standard domestic crop insurance rate is determined based on the statistical data of the entire administrative unit and ignores the spatial risk difference of disasters inside the administrative unit. Therefore, obtaining a pure premium based on crops inside the administrative unit is a key problem. Based on remote sensing data and insurance actuarial models, we studied and determined the fair premium rates to insure winter wheat at the farmer level in Heze, Shandong, China. Our study shows that remote sensing data can provide data security for determining a pure premium rate at the level of individual farms, and provide the primary reference for determining farmer-level crop insurance premium rates. The use of remote sensing for determining those rates can improve the customization of crop insurance and reduce farmers’ lower incomes due to exposure to natural disasters, improve farmers’ resilience to risk, and prevent a return to poverty due to disasters, ultimately reaching the UN Sustainable Development goals of eradicating hunger and reducing poverty.
To address the problems of traditional insurance compensation methods for flood losses, such as difficulty in determining losses, poor timeliness, a complicated compensation process and moral hazard, an urban flood index insurance tiered compensation model integrating remote sensing and rainfall multi-source data was proposed. This paper first extracted the area of water bodies using the Normalized Difference Water Index and estimates the urban flood area loss based on the flood loss model of remote sensing pixels. Second, the tiered compensation mechanism triggered by rainfall was determined, and the urban flood index insurance tiered compensation model was constructed using remote sensing and rainfall multi-source data. Finally, the economic losses and flood insurance compensation in urban flood were estimated. The results show that: (1) the geo-spatial distribution of flood-affected areas by remote sensing inversion is consistent with the actual rainfall characteristics of Henan Province, China; (2) based on the flood losses model of remote sensing pixels, the estimated flood losses for Henan Province are CNY 110.20 billion, which is consistent with the official data (accuracy ≥ 90%); and (3) the proposed model has good accuracy (R2 = 0.98, F = 1379.42, p < 0.05). The flood index insurance compensation in Henan Province is classified as a three-tier payout, with a total compensation of CNY 24,137 million. This paper can provide a new approach to estimate large-scale urban flood losses and the scientific design of flood index insurance products. It can also provide theoretical and technical support to many countries around the world, particularly those with underdeveloped flood insurance systems.
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