Microinsurance Adoption Among Small-Scale Farmers Prior to Hurricane Season in Mozambique: An Exploration of Barriers and Opportunities

Microinsurance is increasingly recognised as a critical tool for risk management in vulnerable populations such as small-scale farmers. However, its adoption rates among this group remain low, especially during high-risk seasons like hurricane season. A mixed-methods approach was employed, combining quantitative survey data with qualitative interviews to gain a comprehensive understanding of the factors affecting microinsurance uptake. The findings indicate that a significant proportion (42%) of surveyed farmers expressed interest in purchasing microinsurance during the hurricane season, highlighting the potential for increased adoption if addressed appropriately. Despite initial hesitations, small-scale farmers in Mozambique show considerable willingness to adopt microinsurance for risk management, particularly when tailored interventions are implemented. Tailored educational campaigns and community-based insurance schemes should be prioritised to enhance microinsurance uptake among Mozambican farmers prior to the hurricane season.