Expand Crop Insurance Coverage for Smallholder Farmers Against Extreme Weather

Situation

In Kenya, priority demand is recorded across National (Kenya and Malawi), within the domain of Agri-Finance, Investment & Credit, focusing on Agricultural insurance. Primary beneficiaries include smallholder farmers in kenya (1,255,000 oaf clients in 2025).

Extracted Evidence

1.5 million clients covered by OAF-purchased crop insurance against extreme weather (Africa-wide); 'One Acre Fund Re' reinsurance facility lowered premiums and strengthened coverage in Kenya and Malawi in 2025 Kenya OAF client base = 1,255,000 (184,000 full-service, 1,071,000 partnerships).

Intelligence

When an expressed demand in National (Kenya and Malawi) is rated High with a priority score of 9.7/10 (Act tier), the limiting factor is scaling and investment reach. Sustaining action within current perimeters leaves the wider crisis unaddressed. Expanding coordinated response across Non-Governmental Organizations (NGOs), Private Sector & Industry, Producers & Local Communities is the strategic imperative.

Demand Signal

This demand is classified as an Expressed Demand, formally stated through One Acre Fund. It carries signal type(s): Program Demand, Market Demand, Financing/Investment Demand. Demand strength is rated High. Priority score: 9.7 out of 10. Response tier: Act.

Demand Description

One Acre Fund remains 'Africa's largest purchaser' of smallholder crop insurance at only 1.5 million clients continent-wide (vs 1.255 million Kenya clients alone), indicating that crop insurance coverage against extreme weather remains far below the protection need across OAF's full client base. One Acre Fund reports it remained Africa's largest purchaser of crop insurance on behalf of smallholders in 2025, covering 1.5 million clients against extreme weather events, and continued developing 'One Acre Fund Re' — a not-for-profit reinsurance facility that in 2025 helped lower premiums and strengthen coverage for farmers in Kenya and Malawi specifically.

Demand Gap

Gap type: Access to Inputs, Finance & Credit Gap.

One Acre Fund remains 'Africa's largest purchaser' of smallholder crop insurance at only 1.5 million clients continent-wide (vs 1.255 million Kenya clients alone), indicating that crop insurance coverage against extreme weather remains far below the protection need across OAF's full client base.

Gap Signal

1.5 million clients covered by OAF-purchased crop insurance against extreme weather (Africa-wide); 'One Acre Fund Re' reinsurance facility lowered premiums and strengthened coverage in Kenya and Malawi in 2025 Kenya OAF client base = 1,255,000 (184,000 full-service, 1,071,000 partnerships).

Stakeholders and Target Group

Source

Document

One Acre Fund 2025 Annual Report (Research Report, 2025).

Organisation

One Acre Fund

Citation

One Acre Fund. 2025. 2025 Annual Report. Read the primary source