Women Farmers in India Use Climate Insurance to Fight Extreme Heat
Deepikaben Rathva stood in her parched Gujarat field, the cracked earth beneath her feet a stark reminder of the May 2024 heatwave that had burned her crops to dust. But this time instead of falling into debt or desperation, her mobile phone buzzed a message from the Self-Employed Women's Association (SEWA) confirmed that an insurance payout had arrived. She hadn’t even filed a claim.
For millions of women farmers in India, climate change is more than a crisis it’s a battle for survival. Limited land rights, smaller plots, and restricted financial access leave them especially vulnerable. A 2024 FAO report reveals that female-headed households lose 8% more income to heat stress than male-headed ones. If global temperatures rise by 1°C, their earnings could drop 34% more than their male c...