“When the flood hit, I thought everything was lost again,” said Rahima Begum, a mother of three in Rajarhat. “But then the payment came to my mobile, and I cried. This time not out of despair, but relief.”

Monsoon floods swept through Kurigram in 2024. Most farmers braced themselves for another season of devastation. This year, something changed.
Support arrived not as empty promises, but as real payouts.

Green Delta Insurance PLC. stepped up for 20,000 farmers in Kurigram’s most vulnerable upazilas. This was part of the Climate Risk Insurance (CRI) project, a partnership with the World Food Programme (WFP), Oxfam, and RDRS Bangladesh.

This insurance did more than cover losses. It restored dignity, enabled recovery, and rebuilt confidence in communities that have faced climate threats for years.

Where Impact Met Urgency

Kurigram Sadar, Nageswari, Rajarhat, Ulipur, and Chailmari-Rowmari were on the frontlines. For three months from July to September 2024, advanced flood indicators tracked rainfall and river levels to identify flood events with precision.

As the monsoon intensified, claims were triggered for as many as 20,000 farmers. Every single eligible claim was paid promptly.

Remarkably, in a truly inclusive move, claims were extended to all 20,000 enrolled farmers, recognizing the wide-reaching economic distress caused by the floods. This meant:

• 100% of insured farmers received claim payouts
• 291,601 acres protected

Key Project Highlights

A Partnership That Delivered

This success was made possible by a powerful coalition:

World Food Programme (WFP) provided technical expertise and global experience in anticipatory action.

RDRS Bangladesh delivered last-mile support through on-the-ground distribution and farmer engagement.

Oxfam led local mobilization efforts, ensuring inclusive and community-driven implementation.

Green Delta Insurance PLC served as the insurer of record, designing and delivering the insurance product. But beyond policies and numbers, the goal was to build safety nets that truly catch people when they fall.

In a groundbreaking move, all claim payments went straight to farmers’ Mobile Financial Service (MFS) accounts. This ensured fast, transparent, and dignified access to funds. Delays were minimized, middlemen were eliminated, and farmers were empowered to manage their recovery on their own terms

Farmers First, Always

From smallholders in Rajarhat to families in Ulipur, the story was the same. Support showed up when it mattered most.

“We didn’t just offer insurance; we delivered peace of mind,” said one field agent from RDRS.

This project has laid the groundwork for scaling climate insurance across other flood-prone regions of the country, ensuring that the most vulnerable communities are not left behind.

Farmers’ Reflections

For many, the payment meant more than money; it brought relief, dignity, and empowerment. Receiving money directly to their mobile wallets meant they didn’t have to wait, ask, or depend on anyone else. Farmers could quickly replant, repair, and regain control of their lives. Many expressed gratitude for being treated not as victims, but as valued individuals with the rights. This experience built trust in insurance and renewed hope for the seasons ahead.

Final Thought

In a year defined by uncertainty, 20,000 farmers had one thing to count on. Someone stood with them when the waters rose.
This is what resilience looks like. Data powered it. Partnerships enabled it. Empathy delivered it.