The Government of Ghana, through the National Disaster Management Organisation (NADMO) and with technical support from UNDP’s Insurance and Risk Finance Facility (IRFF), has officially approved the Disaster Management and Risk Finance Strategy Framework and Implementation Plan (2025–2030). This framework strengthens Ghana’s resilience to disasters by ensuring timely, predictable, and cost-effective access to financial resources for emergency response and recovery.

• Purpose: To reduce fiscal vulnerability from disasters and protect lives, livelihoods, and the economy by shifting from reactive post-disaster measures to proactive, pre-arranged financial instruments.

• Focus Hazards: Fires, droughts, and floods — the most prevalent risks in Ghana.

• Strategic Priorities (Eight Pillars):

  1. Comprehensive identification, quantification, and mapping of disaster-related fiscal risks.

  2. Integration of disaster risk analysis into planning and budgeting at Metropolitan, Municipal, and District Assemblies (MMDAs) and Ministries, Departments, and Agencies (MDAs).

  3. Establishment of sovereign and sub-sovereign disaster risk financing instruments.

  4. Development of private risk transfer solutions, including insurance for households, businesses, and agriculture.

  5. Strengthening coordination and institutional capacity for improved disaster risk governance.

  6. Improving legal and regulatory frameworks for disaster risk finance and management.

  7. Enhancing industry and community resilience to shocks.

  8. Adopting a layered risk management approach to match event severity and frequency.

Disaster Risk Landscape

• The framework establishes rules-based mechanisms for rapid and transparent fund disbursement.

• It emphasizes equity, gender sensitivity, participation, and quality assurance in disaster risk financing.

• Monitoring, evaluation, and communication plans are included to ensure accountability and knowledge sharing.

The strategy aligns with Ghana’s commitments under the Sendai Framework for Disaster Risk Reduction (2015–2030), the Paris Agreement, and the Sustainable Development Goals (SDGs). This framework marks a decisive step toward safeguarding Ghana’s development agenda by ensuring financial preparedness for disasters, protecting vulnerable communities, and strengthening national resilience.