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Floods and rising vehicle theft are hitting Kenyan households at the same time, but most victims are facing both shocks without insurance cover.

Floodwaters in Nairobi do not just disrupt traffic. They destroy vehicles, drain savings and leave thousands of Kenyans facing losses they cannot recover from.

In March 2026, flooding across Kenya left at least 112 people dead in 30 counties and damaged nearly 7,000 households. In Nairobi, at least 71 vehicles were stranded as major roads turned into rivers and motorists abandoned cars to survive.

For many victims, the losses ended there. No compensation followed. No recovery support arrived. No insurance cover softened the blow.