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Introduction: This study aims to understand the dynamics of insurance as a risk management tool for natural disasters in India. It further explores different strategies and programs for disaster insurance adopted by the Indian government and highlights these initiatives' gaps.
Methods: The authors conducted both offline and online desk reviews to understand the dynamics of insurance mechanisms and government strategies. They conducted a narrative review of existing literature, including peer-reviewed articles, thematic books, and government and non-governmental reports from diverse sources.
Results: The review clearly shows that despite the various types of natural disasters the country faces, the coverage of disaster insurance in India remains low. It outlines the importance of insurance as a risk management tool, especially for the most vulnerable sections of society living in rural parts. The review further highlights the benefits of different government schemes and strategies while at the same time highlighting the gaps in these schemes.
Conclusion: The review calls for an urgent and sustained effort to increase the number of individuals insured against natural disasters in the country by addressing the policy shortcomings and engaging with the communities and the private sector to understand their respective needs. The review also underlines the importance of creating awareness regarding disaster insurance among the wider population. Furthermore, it calls for a comprehensive disaster management plan with insurance as one of its pillars.

India has always been a disaster-prone country, with multiple states afflicted by different types of disasters. The impact of these disasters is exacerbated when an area is prone to multiple types of disasters. This study attempts to understand the impact of natural and man-made disasters on the people of Jammu and Kashmir (J&K) and Ladakh region in India as well as it also examines the resilience mechanisms adopted by the people, and identifies measures taken by the government in response to these disasters. To understand these disasters' dynamics, we conducted both offline and online desk reviews for this study. The review suggests that J&K and Ladakh region is afflicted not only by multiple natural disasters such as floods, earthquakes, avalanches, and landslides but also by the terrorism and violence, which has caused unparalleled death and destruction. These natural and man-made disasters have adversely affected most aspects of life and development in the region. To mitigate the risks, effective disaster risk reduction and management systems, early warning systems and infrastructure need to be strengthened. In addition, community engagement needs to be enhanced with the goal of addressing the grievances of the population and engaging them in the design and implementation of sustainable development programs.

India has always been a disaster-prone country, with multiple states afflicted by different types of disasters. The impact of these disasters is exacerbated when an area is prone to multiple types of disasters. This study attempts to understand the impact of natural and man-made disasters on the people of Jammu and Kashmir (J&K) and Ladakh region in India as well as it also examines the resilience mechanisms adopted by the people, and identifies measures taken by the government in response to these disasters. To understand these disasters' dynamics, we conducted both offline and online desk reviews for this study. The review suggests that J&K and Ladakh region is afflicted not only by multiple natural disasters such as floods, earthquakes, avalanches, and landslides but also by the terrorism and violence, which has caused unparalleled death and destruction. These natural and man-made disasters have adversely affected most aspects of life and development in the region. To mitigate the risks, effective disaster risk reduction and management systems, early warning systems and infrastructure need to be strengthened. In addition, community engagement needs to be enhanced with the goal of addressing the grievances of the population and engaging them in the design and implementation of sustainable development programs.

Globally, natural disasters have caused a large scale of damage and destruction every year, affecting millions of people, the economy, and development – and developing countries are the most severely affected. Odisha is one of India's most disaster-prone states. This study explores the effects of, and resilience to, cyclones, floods, droughts, and heatwaves in Odisha, and identifies government strategies that help mitigate these natural disasters. We mainly used primary data collected through a qualitative study undertaken from April 2017 to June 2017 in three districts of Odisha. We conducted in-depth interviews and focus group discussions with community members and key stakeholders at different levels. In addition, our study analyzed secondary data on natural disasters using DesInventar, a disaster information management system data source. The findings show that floods, cyclones, and drought in recent years, along with heatwaves and lightning, have severely affected the people of Odisha. The impacts of these natural disasters are calamitous – particularly on livelihoods, food security, health, water, and sanitation. These natural disasters, which have affected agriculture, fisheries, prawn cultivation, roadside vendors, and daily wage laborers, have both short- and long-term effects on the livelihoods of people in Odisha, leaving them with scarce employment opportunities. The vulnerable and marginalized sections of the population have been the most severely affected, and common coping mechanisms have included selling off livestock, borrowing food, taking loans and mortgages, and migration. The government's measures/programs, such as an Early Warning System, Public Distribution System, Multipurpose Cyclone Rehabilitation Centers, Seasonal Residential Care Centers, and Indira Awas Yojana, play a major role in mitigating the effect of disasters among rural communities. Our study indicates that natural disasters have impacted the population of the state socioeconomically, physically, and psychologically. The ...

Globally, natural disasters have caused a large scale of damage and destruction every year, affecting millions of people, the economy, and development – and developing countries are the most severely affected. Odisha is one of India's most disaster-prone states. This study explores the effects of, and resilience to, cyclones, floods, droughts, and heatwaves in Odisha, and identifies government strategies that help mitigate these natural disasters. We mainly used primary data collected through a qualitative study undertaken from April 2017 to June 2017 in three districts of Odisha. We conducted in-depth interviews and focus group discussions with community members and key stakeholders at different levels. In addition, our study analyzed secondary data on natural disasters using DesInventar, a disaster information management system data source. The findings show that floods, cyclones, and drought in recent years, along with heatwaves and lightning, have severely affected the people of Odisha. The impacts of these natural disasters are calamitous – particularly on livelihoods, food security, health, water, and sanitation. These natural disasters, which have affected agriculture, fisheries, prawn cultivation, roadside vendors, and daily wage laborers, have both short- and long-term effects on the livelihoods of people in Odisha, leaving them with scarce employment opportunities. The vulnerable and marginalized sections of the population have been the most severely affected, and common coping mechanisms have included selling off livestock, borrowing food, taking loans and mortgages, and migration. The government's measures/programs, such as an Early Warning System, Public Distribution System, Multipurpose Cyclone Rehabilitation Centers, Seasonal Residential Care Centers, and Indira Awas Yojana, play a major role in mitigating the effect of disasters among rural communities. Our study indicates that natural disasters have impacted the population of the state socioeconomically, physically, and psychologically. The effect on livelihoods, directly and indirectly, exacerbates income, food security, and health. There is an urgent need to focus on reducing people's underlying vulnerabilities by taking proactive measures, engaging the community in decision-making, and generating alternative and sustainable livelihoods.

Over the years extreme weather events have been catastrophic and continue to have overwhelming impacts globally, mainly due to climate change. However, the impacts of extreme weather events have been uneven and devastating in developing countries largely because of lack of resources, weak adaptive capacity and large dependency on climate sensitive livelihoods. Odisha on the eastern coast of India is one of the most disaster-prone states in India with a regular prevalence of extreme events like cyclones, droughts, floods and heat waves. The state's livelihood is mainly based on weather patterns directly (farming, fisheries) or indirectly (non-farm wage labour, dairy farming) are at stake due to the frequent occurrence of extreme weather events. However, there are very limited studies available which describe the situation, impacts and resilience of extreme weather events in the context of livelihood in the state. The present study is an attempt in this direction to review and examine the impact of extreme weather events (e.g., cyclone, flood, drought and heat wave) on the livelihood of the population in Odisha. In addition, the study examines the resilience shown by the people and the program and policy adopted by the government on the extreme weather events in the state. The study findings highlight that extreme weather events have affected populations at large, caused substantial economic losses and exerted a disproportionate effect on the vulnerable social groups such as sharecroppers, small and marginal farmers, backward communities, landless labourers, wage labourers, rickshaw pullers and vendors as the nature of work in which they are engaged is susceptible to the effects of extreme weather events. Heat waves, droughts, floods and cyclones are the important extreme weather events that hamper the livelihoods in Odisha. Frequent occurrence of events has caused a blow to the livelihood resilience of the poor and marginalized people. While immediate coping mechanisms at the local level do provide some relief to ...