A new report reveals a critical lack of insurance coverage for public infrastructure in Peru against natural disasters like earthquakes and the impacts of El Niño. Only 0.4% of schools and 5.3% of public healthcare facilities are currently insured. This leaves the Peruvian state highly vulnerable, facing the potential to absorb 95% of the costs from a major disaster event. The findings, issued by Apeseg, highlight a significant financial risk, potentially requiring emergency debt to cover damages. The lack of insurance puts a strain on public finances and hinders recovery efforts following a catastrophic event. Experts warn that increased investment in disaster risk insurance is crucial for protecting public assets and ensuring resilience. This vulnerability also impacts the continuity of essential services like education and healthcare.