As climate-induced losses overburden public exchequers, the shift from “discretionary relief” to “contractual insurance” is no longer optional. From Nagaland’s blockchain-payouts to the Caribbean’s risk pools, discover how Disaster Insurance is rewriting the rules of global resilience
Climate change impact
The White-Out Lockdown – A Case for “Climate-Adaptive Governance”
DRR isn’t just about stopping floods; it’s about making sure a clerk doesn’t break their hip on an icy Shimla staircase. We break down the 5 critical DRR lessons from the recent White-Out—from ‘Administrative Exposure’ to ‘Supply Chain Fragility.’ It’s time for Himalayan cities to adopt ‘Climate-Adaptive Governance’ that respects Article 21.
The Unlearned Lessons of the Himalayas: From Dhauliganga to Dharali, a Blueprint for Survival
Moving ahead from Dharali, this is a blueprint for survival which paves way for proactive anticipation and mitigation of Himalayan hazards by integrating science, traditional knowledge, and responsible development.


