Determinants of Adaptation and Insurance Uptake among Small-Scale Farmers in Kenya

Abstract

Despite the costs associated with climate-related damage and loss, WII uptake remains low among small-scale, Kenyan farmers. Many of these farmers continue to opt for traditional adaptive and mitigative strategies in the wake of climate-related challenges, despite the many known benefits insurance has for climate resilience. Thus, the study seeks to understand the determinants of insurance uptake, and to measure the relationship between these determinants and agricultural output, using a binary regression model. Overall, the study underscores the complex interplay of socio-economic, cultural, and environmental factors shaping farmers’ adaptation decisions in Kenya and highlights the need for targeted interventions to enhance insurance uptake and promote effective climate strategies