Environmental Conservation and Management
Open access
Peer reviewed
Abstract
Abstract
Abstract Risks to people and nature are high and growing due to climate change, habitat loss, and development in hazard-prone areas. Adaptation efforts to date have been insufficient, and new approaches are needed to address these risks. Nature-based insurance, which combines nature-based solutions and risk transfer tools such as insurance, can help motivate greater action for risk reduction to benefit people and nature. Here, we outline five key frontiers in nature-based insurance: modeling nature and risks better in insurance industry models, accounting for nature’s benefits in the pricing of insurance, de-risking investments in nature, insuring damages to nature, and working with insurers to advance these practices. We identify recommendations to accelerate innovation and uptake along these five frontiers. Nature-based insurance has the potential to reduce risks for people and nature, mobilize private finance for adaptation, provide essential funding for biodiversity conservation, and improve the affordability outlook for insurance.
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@article{Kelso2026Advancing,
title = {Advancing nature-based insurance to protect people and nature},
author = {Megan A. Kelso and Rae Taylor-Burns and Guillermo Franco and Jane Carter Ingram and Borja G. Reguero and Michael W. Beck},
journal = {Communications Earth & Environment},
year = {2026},
doi = {10.1038/s43247-026-03753-z},
url = {https://doi.org/10.1038/s43247-026-03753-z}
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