Insurance and rural resilience

Oxfam America and the United Nations World Food Programme have launched the R4 Rural Resilience Initiative to give farmers and rural families a new way to manage some of the risks they face from increasingly erratic weather. The initiative offers households access to drought insurance and credit; it facilitates their work on environmental projects that strengthen their communities; and it encourages families to save. Empowered with these risk-management tools, families can develop resilience to climate change and the challenges it presents to their food security and long-term well-being.

In 2007, Oxfam America, Swiss Re and a host of partners developed a framework to help poor farmers in Ethiopia’s drought-prone northern state of Tigray improve their income and strengthen their food security. Called HARITA, or the Horn of Africa Risk Transfer Adaptation, it combined opportunities for improved resource management, insurance, and microcredit. In 2010, the success of the program led Oxfam America and the United Nations World Food Programme to agree to expand the HARITA model on a multi-national scale. Together, as equal partners, they launched the R4 Rural Resilience Initiative.

Oxfam America has many partners in an initiative to build the strength of rural farmers.

A selection of notable media clips featuring Oxfam America's insurance and rural resilience (R4) program.

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Largest Weather Index Insurance Payout for Small Scale African Farmers Triggered by Satellite Technology
Dec 06, 2012  
Oxfam America expands Rural Resilience Initiative to West Africa with support from the Rockefeller Foundation
May 03, 2012  
Pilot microinsurance program has a successful payout to over 1,800 Ethiopian farmers after drought
Nov 17, 2011  
World Food Program and USAID join together with Oxfam America and Swiss Re in public-private partnership
Sep 19, 2011  
Oxfam and the World Food Program announce R4 partnership for resilient livelihoods in changing climates
Dec 04, 2010  
Swiss Re and Oxfam America launch joint risk management initiative for farmers in Tigray, Ethiopia
Sep 26, 2008   Swiss Re and Oxfam America have announced a joint Commitment to Action at the Clinton Global Initiative (CGI) 2008 meeting in New York on 23 - 26 September. The collaboration is aimed at helping communities most vulnerable to climate variability and change. The project focuses on an innovative pilot project to introduce weather insurance for a staple cereal crop in the village of Adi Ha, Tigray Regional State, Ethiopia.
Oxfam America awarded Rockefeller Foundation grant for climate change resilience in poor countries
Nov 17, 2008  
More press
R4 Rural Resilience Initiative
Quarterly report | October - December 2012
R4 Rural Resilience Initiative
Quarterly report | July - September 2012
R4 Rural Resilience Initiative
Quarterly report | April – June 2012
Food Crisis in the Horn of Africa Progress Report, July 2011 - July 2012
R4 Rural Resilience Initiative
Quarterly report | January – March 2012
Horn of Africa Risk Transfer for Adaptation (HARITA) quarterly report: October 2011–December 2011
Rural resilience series
R4 Rural Resilience Initiative: Partnership for resilient livelihoods in a changing climate
Oxfam America and the World Food Programme launch a partnership for resilient livelihoods in a changing climate.
Horn of Africa Risk Transfer for Adaptation (HARITA) quarterly report: July 2011–September 2011
Rural resilience series
Horn of Africa Risk Transfer for Adaptation (HARITA) quarterly report: April 2011–June 2011
Rural resilience series
Horn of Africa Risk Transfer for Adaptation (HARITA) quarterly report: January 2011–March 2011
Rural resilience series
Horn of Africa Risk Transfer for Adaptation (HARITA) quarterly report: October 2010–December 2010
Rural resilience series
Horn of Africa Risk Transfer for Adaptation (HARITA) quarterly report: July - September 2010
In this report we share detailed information on the results of this second annual offering of weather insurance, integrated into the government's social safety net for the most vulnerable populations in drought-prone Ethiopia.
HARITA progress report: Jan 2010 - Jun 2010
Rural resilience series
HARITA Project Report: Nov 2007 - Dec 2009
Rural resilience series
More research
ViewChange: Africa's Last Famine
This World Food Day is marked by one of the worst famines in recent history. But, with the right planning and a few new ideas, it could be the last. Watch this special report from Oxfam America and ViewChange.org.
R4: The Rural Resilience Initiative
Oxfam America and the UN World Food Programme launched the R4 Rural Resilience Initiative to empower rural households with integrated risk management tools.
A new tool for tackling poverty
Using labor to pay for their premiums, poor farmers in Ethiopia earn a measure of security.
A tiny seed and a big idea
Insurance for Ethiopia's farmers
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Counting on the rain to continue—or weather insurance to help cover losses

Counting on the rain to continue—or weather insurance to help cover losses

For Ethiopian farmer Gidey Mehari, when the opportunity to buy weather insurance for his crops arose, he jumped at the chance.

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Doubling his weather insurance, this Ethiopian farmer is happy for the security it provides

Doubling his weather insurance, this Ethiopian farmer is happy for the security it provides

"Anything can happen," says Alemu Tadesse. And that's why he is investing in weather insurance for some of his crops.

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Ethiopian farmers get a payout, easing effects of drought

Ethiopian farmers get a payout, easing effects of drought

With cash from the weather insurance policies they bought through an innovative program, farmers from Tigray can now plan for the future.

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Business partnership promotes resilience and environmental preparedness

Business partnership promotes resilience and environmental preparedness

PREP is a partnership formed to address the risks and opportunities climate change poses to businesses and communities.

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With insurance, loans, and confidence, this Ethiopian farmer builds her resilience

With insurance, loans, and confidence, this Ethiopian farmer builds her resilience

Selas Samson Biru is using her entrepreneurial spirit--and the security she has from her insurance--to build a more secure future for her family.

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In northern Ethiopia, weather insurance offers a buffer against drought

In northern Ethiopia, weather insurance offers a buffer against drought

A growing number of families have signed up for weather insurance to protect their crop investments from insufficient rainfall.

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Weather insurance offers Ethiopian farmers hope—despite drought

Weather insurance offers Ethiopian farmers hope—despite drought

For the first time, poor farmers can now buy insurance for teff, a staple grain that feeds their families.

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Medhin Reda's best asset is her own hard work

Medhin Reda's best asset is her own hard work

This farmer is trading her labor for an insurance premium to cover her teff.

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Selas Samson Biru faces uncertainty with the seasons

Selas Samson Biru faces uncertainty with the seasons

But with weather insurance she doesn't have to worry so much about her teff harvest.

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Gebru Kahsay relies on rain but has the security of insurance

Gebru Kahsay relies on rain but has the security of insurance

If harvests fail because of poor rain, some teff farmers in Ethiopia now have a back-up plan.

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