“…However, droughts have an outsized impact on the livelihoods of the most vulnerable populationssubsistence farmers and the rural poorgiven their limited capacity to manage risk (UNDP, 2011 [72]). At the 53 Subsidised insurance has been found to weaken incentives to adopt farm-level risk management practices (Schoengold, Ding and Headlee, 2015 [85]), to increase irrigation water withdrawals (Deryugina and Konar, 2017 [86]), and to discourage the long-term farm-level adaptation to changing climate (Annan and Schlenker, 2015 [86], Chen and Dall'Erba, 2018[87] (Ignaciuk, 2015[73]). Innovation and research into drought-tolerant crops are discouraged (Miao, 2020[87]).…”