Ellen Davies is head of programmes at the African Climate Foundation and is based in Kenya. Wole Hammond is programme officer for adaptation and resilience at the foundation, based in Nigeria. For generations, African communities have lived on the frontlines of climate disruption, managing erratic rainfall, prolonged droughts and the slow erosion of their livelihoods, which depend on predictable seasons. When the rains failed across Southern Africa in 2024, it was but the latest chapter of a crisis already long underway. During that season, maize crop failures of 40-80% devastated farming communities in Zambia, Zimbabwe and Malawi, where roughly 70% of people depend on rain-fed agriculture. Governments already stretched by debt were forced to raid development budgets, trading long-term growth for emergency relief. Then came the floods. In early 2026, parts of Mozambique, Zimbabwe and South Africa received over a year’s worth of rain in days. More than 2 million people were affected. In East Africa, drought has displaced nearly 62,000 people in Somalia this year alone, with nearly one in four Somalis now facing acute food insecurity. This is what climate change looks like on the ground – not parts per million or diplomatic jargon, but whether a school stays open after floods cut off the road, whether a clinic can function in extreme heat, whether a country can still invest in its future when every year brings another disaster bill. As Nigeria rails at loss and damage ‘mirage’, fund boss assures money is coming Africa as a continent contributes the least to global emissions yet bears a disproportionate share of the consequences. Nine of the ten countries most vulnerable to climate change are African. As livelihoods collapse and rural economies fail, migration pressures will intensify, driven by climate change intersecting with poverty, conflict and constrained opportunity. Chronic under-funding Europe is only now beginning to experience, in more limited form, what African communities have navigated for decades with far less fiscal space, thinner insurance coverage and fewer resources for recovery. With El Niño conditions confirmed and a ‘super’ version of the naturally occurring weather pattern possible later this year, the pressure is set to intensify further. In Africa, climate action is fundamentally a development challenge where adaptation and mitigation must go hand in hand. Building a solar grid and flood-proofing the road that serves it are not separate agendas. Yet for too long, the global climate conversation has prioritised mitigation while leaving adaptation – the work of protecting lives, livelihoods and economies in a changing climate – chronically under-funded. The result is three compounding gaps. A visibility gap: much of Africa’s adaptation work remains under-documented and under-recognised in global climate narratives. A financing gap: capital does not flow at the scale or speed required to the people and institutions best placed to use it. And a decision-making gap: too many solutions are still designed elsewhere and imported into African contexts, rather than backing African-led platforms to scale what is already working. Live from LCAW – Raw diplomacy: Can new mineral alliances deliver a just energy transition? Solutions ready for finance The solutions exist. Rwanda’s green investment fund has mobilised climate finance at national scale through its own systems. Egypt’s Nexus of Water, Food and Energy programme has shown how integrated planning can stretch limited resources across interdependent systems. Zambia’s Presidential Irrigation Initiative is building climate-resilient food production from the ground up. In Pata, Senegal, a solar irrigation project has unlocked agricultural production and created jobs, demonstrating how integrated investments in water, energy and livelihoods can deliver resilience and development gains simultaneously. In South Africa, the African Climate Foundation’s work with the South African Local Government Association (SALGA) is supporting district municipalities to assess their climate risks and develop fit-for-purpose Climate Action Plans, building adaptation capacity where it is needed most – at the local level. These are not pilot projects waiting to be validated. They are working systems waiting for investment. Closing the gaps requires a decisive shift in posture from global finance, philanthropy and development institutions. It means backing country-led platforms that can prepare, aggregate and finance adaptation projects. It means investing in place-based initiatives grounded in local knowledge. French court rules Total must revise climate plan to account for all emissions It means fostering intra- and inter-continental collaboration, so that lessons from Kigali inform decisions in Nairobi and innovations in Lagos reach communities in Dakar. And it means treating adaptation as core economic infrastructure, not charitable relief. Invest now for future gains The economic case is clear. Every dollar invested in climate adaptation returns an estimated four dollars in benefits on average – and up to five in the poorest economies. Under-investment in African adaptation is as economically irrational as it is morally unjust. The world depends on Africa’s food systems, its young workforce – the majority of the continent’s population is under 25 – and its minerals. Several African countries supply a substantial share of the copper, cobalt and other critical materials underpinning the global clean energy transition. Drought in Zambia has already shown how climate stress can disrupt hydropower, electricity supply and mining output. A transition that depends on African minerals cannot afford to ignore African climate resilience. The world can continue to under-fund adaptation and pay repeatedly for emergencies, instability and lost development. Or it can invest now in the people, institutions and systems already doing the work on the ground in Africa, not in solutions imported from elsewhere. UN asks AI companies to reveal full environmental impacts Africa has the agency, the knowledge and the platforms. What it needs is the finance to match. A super El Niño will not wait for consensus to form. Neither, frankly, should we. The post Climate adaptation in Africa needs investment, not imported solutions appeared first on Climate Home News.