Loss & Damage Fund: Climate Vulnerability vs Pledged Finance

The UNFCCC's Loss and Damage Fund, agreed at COP27 and launched at COP28, exists to compensate the countries least responsible for warming but most exposed to its damage — small island states, drought-prone Sahel nations, flood-prone deltas. This simulator renders twelve such nations as towers around a central donor pool: each tower's height tracks its accumulating disaster losses, its color tracks how much of that loss the fund has actually covered, and a pulsing stream of particles carries every disbursement from the pool to the nation that receives it. Set the annual pledge rate, administrative overhead, warming-severity multiplier, and switch between vulnerability-weighted and equal-share allocation to see how far real-world pledge levels fall short of real-world losses — and how much the allocation rule alone changes who gets left behind.