Assessment of the impact of agricultural insurance programmes on farmers' income stability and climate risk management

This study aims to evaluate the impact of agricultural insurance programs on farmers’ income stability and climate risk management, considering the growing challenges facing the agricultural sector due to climate changes such as droughts, floods, and storms. The agricultural sector is considered one of the key pillars of the Egyptian economy, serving as a primary source of income for a large segment of the population. However, climatic fluctuations have significantly affected income sustainability, highlighting the urgent need for effective preventive tools such as agricultural insurance.The study adopts an analytical and field-based approach to measure the influence of agricultural insurance programs on income stabilization and to assess their role in mitigating climate-related risks affecting agricultural production. It also seeks to identify the main challenges hindering the implementation of these programs, including low awareness, limited access to insurance services, and lack of accurate data for damage assessment.Furthermore, the research explores the relationship between agricultural insurance and sustainable development by analyzing the extent to which these programs enhance farmers’ resilience and encourage investment in climate-resilient agricultural technologies. Based on the expected findings, the study aims to provide practical recommendations to improve the design and implementation of agricultural insurance schemes, thereby supporting the stability and efficiency of the agricultural sector in coping with climate variability.