Insurers and their clients are often unaware of their risk exposure, partly due to data and modelling gaps. Climate information services and related collaborations are increasingly helping to address this problem . Climate change attribution methods to estimate the contribution of human-casued climate change to the cost of parametric insurance offers possibilities for a sharing of the premium between the impacted African country and a global climate fund, such as the GCF . Technology companies and start-ups  are also emerging as solutions to fill risk gaps, leveraging new approaches to data and technology through the use of sensors, drones and satellite imaging to speak to mainly agricultural risks, but also urban risks such as informal settlement fires, exacerbated by heat and drought .
IPCC
Climate Change 2022: Impacts, Adaptation and Vulnerability
IPCC Report