Climate change continues to amplify vulnerability in low-income communities across Nairobi, with many
urban livelihoods at great risk to the impacts of flooding. This study explores the scope for index insurance in
Nairobi for flood risk at the micro-level. Drawing from relevant academic literature, this paper considers the
role of social capital and trust as an analytical framework for studying the interactions between the community
and institutions for managing flood risk. Thus, the role of social capital and trust in improving accessibility,
availability and inclusiveness of insurance will form the analytical framework around which the thesis of this
dissertation will be based. 17 individuals from flood-prone areas in Nairobi, alongside 12 key informants from
relevant organisations were interviewed. Through a contextual comparative analysis, this dissertation found
that trust and capacity building play a dominant role in providing an enabling environment and creating a
demand for IBMI.
This is an output from the Urban Africa: Risk Knowledge (Urban ARK) programme
Tarbuck, P (2018) ‘An Exploratory Analysis into Urban Index-based Microinsurance for Flood Risk in Nairobi: A community-based approach’. Working Paper.
Published 12 January 2018