By the end of this century, climate change is expected to have driven up the average temperature in Ghana by three degrees celsius, and reduced rainfall by up to 27 percent. This would result in more frequent droughts, meaning financial ruin for many small farmers.Ghana's government wants to protect the rural population from the risk of crop failure by offering farmers affordable insurance. The new index-based insurance would be linked to the data provided by local weather stations. This saves the insurers having to travel to individual farmers to assess their claims - pushing down the cost of insurance. The only problem is not all the weather stations are intact.