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<p>Risks to people and nature are high and growing due to climate change, habitat loss, and development in hazard-prone areas. Adaptation efforts to date have been insufficient, and new approaches are needed to address these risks. Nature-based insurance, which combines nature-based solutions and risk transfer tools such as insurance, can help motivate greater action for risk reduction to benefit people and nature. Here, we outline five key frontiers in nature-based insurance: modeling nature and risks better in insurance industry models, accounting for nature’s benefits in the pricing of insurance, de-risking investments in nature, insuring damages to nature, and working with insurers to advance these practices. We identify recommendations to accelerate innovation and uptake along these five frontiers. Nature-based insurance has the potential to reduce risks for people and nature, mobilize private finance for adaptation, provide essential funding for biodiversity conservation, and improve the affordability outlook for insurance.</p><p></p>

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Advancing nature-based insurance to protect people and nature

  • 期刊论文

  • 出版模式：

    开放获取

  • 发表日期：

    2026年6月23日

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  • Megan A. Kelso,
  • Rae Taylor-Burns,
  • Guillermo Franco,
  • Jane Carter Ingram,
  • Borja G. Reguero,
  • Michael W. Beck

摘要

Risks to people and nature are high and growing due to climate change, habitat loss, and development in hazard-prone areas. Adaptation efforts to date have been insufficient, and new approaches are needed to address these risks. Nature-based insurance, which combines nature-based solutions and risk transfer tools such as insurance, can help motivate greater action for risk reduction to benefit people and nature. Here, we outline five key frontiers in nature-based insurance: modeling nature and risks better in insurance industry models, accounting for nature’s benefits in the pricing of insurance, de-risking investments in nature, insuring damages to nature, and working with insurers to advance these practices. We identify recommendations to accelerate innovation and uptake along these five frontiers. Nature-based insurance has the potential to reduce risks for people and nature, mobilize private finance for adaptation, provide essential funding for biodiversity conservation, and improve the affordability outlook for insurance.