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International Recovery Platform

Pre-event financial protection is key to flood recovery

This policy brief highlights financial capital as a key factor in building flood resilience. In particular, access to pre-event financial protection against flood-related disasters is a vital component. Solutions range from insurance and micro-insurance to pre-arranged post-disaster lines of credit and dedicated government relief programs. Implementation of these solutions should allow for further community resilience investment. Key recommendations •Communities require adequate financial capital not only to limit financial exposure to disasters, but also to support human, social, physical and natural capital. •A community’s financial exposure, both direct (impact on assets and livelihoods) and indirect (interruption of economic activities), must be understood and measured. •Pre-event financial protection options include insurance or micro-insurance, and alternative risk transfer instruments as well as streamlined access to pre-arranged post-disaster lines of credit and dedicated government relief programs. •Public and private sectors must work together with civil society to co-generate these options into solutions that are widely available, affordable and adopted on a local and national scale Also available in Spanish: Protección financiera antes del evento: factor clave para la recuperación después de una inundación


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