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Over 100,000 pastoralists in Turkana, Samburu, and Marsabit are now covered by parametric drought insurance, triggered automatically when satellite rainfall data falls below thresholds. The product, offered by APA Insurance and Pula, pays out within 7 days—no field assessment needed. Premiums are subsidized by USAID and the National Drought Management Authority. In 2023, Ksh850 million was paid to 60,000 households during the dry spell. The model is expanding to crop farmers in Eastern Kenya. IRA calls it a breakthrough in climate risk financing for vulnerable communities.