We continue with The Discourse, where we're examining how African countries can strengthen their financial preparedness for climate-related disasters.

Droughts, floods and extreme weather are becoming increasingly costly for communities and governments across the continent. While early warning systems can help predict these events, many countries still struggle to secure the funding needed to prepare and protect those most at risk.

Climate-risk insurance and anticipatory financing are increasingly being considered as ways to address this challenge. But how practical and accessible are these solutions for African countries? To explore this, we spoke to Dr Stella Shumba, Senior Research Associate at the Munich Climate Insurance Initiative, hosted by the United Nations University Institute for Environment and Human Security, joining us from Bonn, Germany this morning..