This report presents the main findings of UNDP’s inclusive insurance and risk finance country diagnostic for Mozambique. It sets out key risks, the current inclusive insurance and disaster risk finance landscape, and recommendations to advance inclusive insurance, risk finance and development.

Mozambique’s chief risks include floods, drought and storms. Finance for disaster response comes from sources such as annual contingency plans, donor funding and emergency loans, but a substantial funding gap remains. The Financial Disaster Protection Plan 2022–2027 provides for the implementation of risk transfer mechanisms.

Recommendations include developing the microinsurance regulatory framework; integrating inclusive insurance development within national strategies; and enhancing disaster risk management capacity.