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As global leaders gather at COP30 in Brazil to negotiate finance, adaptation, and loss and damage, Nepal’s 2025 monsoon season offers a stark reminder of why climate-vulnerable countries need stronger recognition and support. From slow-onset droughts in the plains to catastrophic glacial floods and colossal landslides in the mountains, Nepal’s experience illustrates how climate variability is already inflicting deep human, economic, and ecological losses—despite the country’s negligible contribution to global emissions.  According to the German Watch’s Climate Risk Index 2025, Nepal averages nearly 250 deaths annually from climate-related disasters, with roughly 75,840 people directly affected each year. The economic cost of such events is also substantial, amounting to an estimated $221.3m—or 0.258 percent of the national GDP—underscoring the persistent human and financial toll of climate-induced hazards Nepal’s 2025 monsoon opened with extended dry conditions across Southern plains; mainly Madhes Province, where rainfall from June to mid-July fell to less than one-third of normal levels during the critical paddy transplantation period. With worsening soil moisture and visible crop stress, the provincial government declared drought on July 24. Yet only weeks later, it brought severe downpours mainly across Madhes, inundating ripening paddy fields and low-lying settlements and causing damage worth billions of rupees. The abrupt shift from drought to heavy flood within the same season is emblematic of climate-driven rapid extremes now harming smallholder farmers who lack buffers to absorb repeated shocks. The situation intensified even after the official monsoon withdrawal. Multiple post-monsoon rain systems—amplified by two unexpected but powerful cyclones on Oct 4-5 and again on Oct 30-31—brought extreme rainfall during Nepal’s peak harvest season, destroying crops of billions rupees worth, stored grain, and essential infrastructure. These late-season events have heightened national anxiety about Nepal’s changing monsoon behaviour and the possibility of more frequent cyclone-linked hazards in the future. High-altitude regions faced even more severe climate-induced damage. Amid lingering fears from last year’s catastrophic Thame incident in the Khumbu region, Nepal faced another shock on 8 July when a transboundary glacial lake outburst flood (GLOF), originating in China’s Tibetan Autonomous Region, surged into Rasuwa District through Bhote Koshi river. It killed 10 people, left 19 missing, destroyed the Rasuwagadhi friendship bridge, damaged hydropower facilities, flattened the dry port, swept away cargo trucks, and disrupted cross-border trade. Losses were estimated at Rs 2.5bn, and insurance claims reached nearly Rs 1bn. For Nepal, this event underscored the country’s exposure to hazards that originate beyond its borders—a key issue Nepal continues to raise at COP30 within the global Loss and Damage framework. Beyond infrastructure losses, climate-induced non-economic damages—psychosocial stress, displacement, health impacts, lost educational days, and erosion of cultural and natural heritage—remain largely unaddressed in national relief systems. These burdens fall disproportionately on women, elderly residents, low-income families, and indigenous communities, widening existing inequalities and undermining long-term resilience. Despite these mounting challenges, Nepal is also making notable progress in reducing human casualties. The 2025 monsoon spanned 135 days—longer than average, with onset on May 29 and withdrawal on Oct 10—bringing near-normal rainfall yet resulting in significantly fewer deaths and injuries than in previous years. Disaster incidents fell by 32 percent, deaths by 70 percent, and affected households nearly halved. These gains reflect improved forecasting, stronger institutional coordination led by NDRRMA, and community-level preparedness also supported by the development partners at local level.  Madhes Province demonstrated how accessible warning systems can directly reduce loss and damage. SMS alerts, radio updates, and volunteer networks enabled households to protect livestock, food stocks, and essential assets. While economic losses were considerable, no fatalities were recorded—underscoring the life-saving value of localized, people-centered early warning systems. Similarly, in the downstream areas of Karnali, flood early warning mechanisms proved crucial in minimizing both human and property losses. Development partners, under Climate Resilience Measures for Community (CRMC) projects, working with national authorities and local communities, strengthened both the hardware—such as flood and rainfall sensors—and the software components, including community awareness and emergency preparedness. Together, these interventions showed that timely information and local readiness remain Nepal’s strongest defense against escalating climate risks Across municipalities, bamboo-based bio-dykes, riverbank reinforcement, sandbagging, and pre-positioned emergency supplies helped prevent larger-scale devastation. These low-cost, community-driven measures highlight the importance of social capital and local knowledge in resilience-building. However, substantial vulnerabilities persist. Ilam recorded the highest fatalities (39). Rasuwa suffered catastrophic economic losses. Trekking corridors and high-altitude settlements still lack reliable communication networks, leaving residents and tourists without timely warnings. And the increasing frequency of post-monsoon cyclone-driven rain systems threatens the stability of Nepal’s agricultural calendar. Why COP30 must acknowledge Nepal’s climate reality Despite Nepal’s minimal emission yet timely National Determined Contribution (NDC) submission along with Biennial Transparency Report (BTR) stating its full commitment to carbon neutrality by 2045, the country continues to face severe climate-induced loss and damage. The new Loss & Damage Fund at COP30 is promising, but predictable, accessible finance is urgently needed to protect communities bearing the brunt of crises they did not create. Key questions for COP30: Who is responsible for escalating losses? How can vulnerable nations access reliable funding for preparedness and recovery? How can non-economic losses—culture, health, education—be addressed? Nepal’s experiences with glacial lake outburst floods, drought–flood cycles, and cyclone-linked extremes show that adaptation alone is insufficient. Policy priorities include community-based monitoring, risk-informed land-use planning with phased relocation, nature-based solutions, and integrating non-economic losses into planning. The 2025 monsoon is a stark reminder: those least responsible for climate change are suffering the most. Ensuring Nepal’s concerns are acted upon is essential for a fair, resilient, and climate-just future.