Climate change poses significant challenges, with its impacts disproportionately affecting the most vulnerable groups, particularly women. While tools such as credit access, savings mechanisms, and affordable insurance can help reduce the financial toll of climate-related events, how these risks are experienced varies widely across genders and other social categories in Somalia. These differences stem from entrenched inequalities often rooted in uneven development processes and social norms, which heavily influence vulnerability to climate risks. Individuals and communities marginalised across social, economic, cultural, political and institutional dimensions are especially at risk – not only from the direct effects of climate change but also from certain adaptation and mitigation measures. This unequal burden underscores the importance of inclusive approaches to climate action and the needfor targeted strategies that address underlying vulnerabilities while avoiding unintended negative consequences.

CDRFI is a vital tool for strengthening resilience to climate-related shocks. However, without the deliberate incorporation of GESI, these mechanisms may fall short of adequately supporting those most at risk. A deeper understanding of why climate hazards disproportionately impact certain groups due to structural inequalities is essential. This knowledge is key to developing effective, tailored solutions. Achieving this requires moving beyond a focus on the physical effects of climate change and adopting a more comprehensive approach that includes an analysis of the socioeconomic dimensions.

This publication is a product of the Centre of Excellence on Gender-smart Solutions (CoE); for more information, please visit the CoE Website. The CoE is an initiative that serves as a knowledge hub for advancing gender-responsive approaches within Climate and Disaster Risk Finance and Insurance (CDRFI), providing the latest insights, practical guidance, and opportunities to promote equitable and inclusive solutions.