Inshorar haɗarin yanayi

Inshorar haɗarin yanayi wani nau'in inshora ne wanda aka ƙera don rage kuɗi da sauran haɗarin da ke tattare da canjin yanayi, musamman abubuwan mamaki kamar matsanancin yanayi. Yawancin lokaci ana ɗaukar inshora azaman nau'in inshorar da ake buƙata don haɓaka juriyar yanayin talakawa da al'ummomi masu tasowa. Yana bada ruwa bayan bala'i don matakan taimako da sake ginawa yayin da kuma ke shirya matakan da za a ɗauka a nan gaba don rage raunin sauyin yanayi. Ana ɗaukar inshora muhimmin ma'aunin daidaita canjin yanayi.

Masu sukar inshorar, sunce irin wannan inshora yana sanya mafi yawan nauyin tattalin arziki akan al'ummomin da ke da alhakin mafi ƙarancin adadin iskar carbon. Ga ƙasashe masu ƙarancin kuɗi, waɗannan shirye-shiryen inshora na iya zama tsada saboda tsadar farawa da buƙatun abubuwan more rayuwa don tattara bayanai. Anyi hasashen cewa yawan kuɗin da ake samu a yankunan dake da hatsarin gaske dake fuskantar barazanar sauyin yanayi, zai hana yin sulhu a yankunan. Wadannan shirye-shiryen ma yawanci ba su da isasshen lokaci kuma ba su da isasshen kuɗi, wanda zai iya zama rashin tabbas ga kasafin kuɗin ƙasa. Matsala mai girma akan ƙananan matakan shine cewa bala'o'in da suka shafi yanayi yawanci suna shafar yankuna ko al'ummomi a lokaci guda, yana haifar da adadi mai yawa a lokaci guda. Wannan yana nufin cewa ana buƙatar sayar da shi akan sikeli mai girma da yawa. Duk da haka ingantaccen tsarin inshorar haɗarin yanayi zai iya aiki azaman hanyar aminci ga ƙasashe yayin inganta juriya.Surminski, Swenja; Bouwer, Laurens M.; Linnerooth-Bayer, Joanne (April 2016). "How insurance can support climate resilience". Nature Climate Change. 6 (4): 333–334. Bibcode:2016NatCC...6..333S. doi:10.1038/nclimate2979. ISSN 1758-6798.

Ƙasashen duniya sun saka hannun jari don haɓaka ƙarin tallafi don irin wannan inshora ta hanyar InsuResilience Global Partnership da aka ƙaddamar a COP23. Wannan rukunin yana goyan bayan shirye-shiryen yanki kamar Canjin Haɗarin Yanayi da Inshora a cikin Caribbean (CRAIC) da ƙungiyoyin ƙasa da ƙasa kamar Shirin Inshorar Climate Insurance Initiative. Ƙungiyar ACT ta buga littafin jagora don daidaitawa da daidaitaccen tsarin adalci na yanayi don inshorar haɗarin yanayi acikin 2020.

 Nau'in inshorar haɗarin yanayi 

 Inshorar ambaliyar ruwa 
Haɗarin da ke da alaƙa da canjin yanayi, kamar hawan teku, ambaliya da guguwa, suna barazana ga rayuwa da araha na wuraren da abin ya shafa. Wannan shine dalilin da ya sa daya daga cikin nau'ikan inshorar haɗarin yanayi da aka fi amfani da shi shine inshorar ambaliya, wanda ke ba da kariya ga asarar da ambaliya ta haifar.

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