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Insurance through RS

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Remote sensing –Beyond images
Mexico 14-15 December 2013

The workshop was organized by CIMMYT Global Conservation Agriculture Program (GCAP) and funded by the Bill & Melinda Gates Foundation (BMGF), the Mexican Secretariat of Agriculture, Livestock, Rural Development, Fisheries and Food (SAGARPA), the International Maize and Wheat Improvement Center (CIMMYT), CGIAR Research Program on Maize, the Cereal System Initiative for South Asia (CSISA) and the Sustainable Modernization of the Traditional Agriculture (MasAgro)

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Insurance through RS

  1. 1. Laura Johnson Insurance through RS – December 2013
  2. 2. The Challenge One single bad season affects a farmer for years. During one drought season, smallholder farmers can loose their entire harvest and lack the money to buy quality farm inputs the next season. Traditional agricultural insurance has not been able to protect them as it relies on farm visits to assess losses. Large scale farm: $1000 Premium - $50 Visit Costs + $950, insure Small scale farm: vs. - $10 Premium $50 Visit Costs - $40, can’t insure Kilimo Salama approaches insurance as if we were farmers This is why we use index insurance: a new kind of insurance that helps farmers cope with climate risks and does not require farm visits. 2
  3. 3. Overview  Mandate: Develop and implement agricultural insurance products for smallholder farmers  Started in 2009 by Syngenta Foundation in Kenya with 185 maize farmers  Kilimo Salama serves as an insurance intermediary doing product development, contract pricing and monitoring, client interface  Insured (through local insurance company, reinsurer) over 150,000 smallholder farmers in 2013 in Kenya and Rwanda, soon to launch in Tanzania  Main product - drought insurance linked to agricultural credit by MFI used for fertilizer and improved seed 3
  4. 4. Weather Index  Measurements done using weather stations and/or satellites, linked to agronomic formulas to model required rainfall  Pricing based on historical rainfall data – now through satellites  Our rule of thumb is ‘We don’t visit the farm’  Covers risk of Drought, Excess rain and/or Weather-related disease - all defined through a weather index 4
  5. 5. Need for Remote Sensing  Initially used network of 100 SFSA automated weather stations (AWS)  No/unreliable historical daily rainfall data in expansion countries  Expensive to install/maintain Investigating Remote Sensing:  Partner with Columbia University’s Earth Institute (IRI) since January 2012  Analyse correlation between AWS and Satellite Rainfall Estimates , selecting ARC2  Rainfall estimates based on reflected EM radiation and cloud temperatures
  6. 6. Comparing Satellite Rainfall Estimations with AWS Data In Western Kenya  Extensive ground proofing and dry runs for new crops, in new geographies  Continuous improvement of indexes  Investigating new satellites and data sources  Strong correlation for drought after 1+ year of work Slide from IRI miles km 100 200
  7. 7. www.syngentafoundation.org laura@kilimosalama.com 7