A large swathe of Southern Africa remains underwater a week after Hurricane Idai ripped through Mozambique, Malawi and Zimbabwe in what is being seen as one of the Southern hemisphere’s worst disasters.

Although in excess of a thousand people have been killed, tens of thousands left homeless, and millions of people affected, the disaster is still unfolding as the rains continue and people are at risk of water-borne diseases, such as cholera, as well as further flooding and now starvation.

In Mozambique alone, some 600,000 are in need of assistance and help, according to the World Food Programme. In total in the affected area, an estimated 2.6 million need assistance: houses are destroyed, crops ruined, infrastructure trashed, and livestock washed away.

Elhadj As Sy, the Secretary-General of the International Federation of Red Cross and Red Crescent Societies, is one such person worried about the unfolding humanitarian crisis.

He said: “The situation is simply horrendous, there is no other way to describe it. Three thousand people who are living in a school that has 15 classrooms and six, only six, toilets. You can imagine how much we are sitting on a water and sanitation ticking bomb.”

There are fears that if and when the flood waters recede, the number of dead will sky-rocket. But at the moment, thousands remain stranded in an “inland ocean” of vast flood waters.

One again, experts are drawing the link between extreme weather and climate change: Dr Friederike Otto, of Oxford University’s Environmental Change Institute, told the Guardian “There are three factors with storms like this: rainfall, storm surge and wind. Rainfall levels are on the increase because of climate change, and storm surges are more severe because of sea level rises.”

Paulo Ceppi, of the Grantham Institute at Imperial College London, also told the paper. “There is a direct link between global warming and cyclone intensity. We need to make every effort to follow the Paris agreement target of remaining below 1.5C of global warming in order to minimise future increases in the severity of tropical storms, [and] to achieve the Paris goal we need to start reducing global carbon emissions now.”

“As the effects of climate change intensify, these extreme weather conditions can be expected to revisit us more frequently. The devastation wrought by Cyclone Idai is yet another wake-up call for the world to put in place ambitious climate change mitigation measures,” adds Muleya Mwananyanda, Deputy Regional Director for Southern Africa for Amnesty International.

Mwananyanda continued: “Regional leaders and governments of wealthier countries must support effective early-warning systems, disaster preparedness and climate change adaptation strategies to save lives and protect human rights.”

As so often with climate change, it is the poor who are hit the hardest. As the Washington Post noted: “The region affected by Idai is one of the poorest in the world.”

The majority, if not all, those affected by Idai will have no insurance against events like this. But with ironic timing, one of the world’s largest insurers has said that climate change could make insurance cover for ordinary people much harder across the globe, not just in Africa.

Ernst Rauch, Munich Re’s chief climatologist, told the Guardian: “If the risk from wildfires, flooding, storms or hail is increasing then the only sustainable option we have is to adjust our risk prices accordingly. In the long run it might become a social issue”.

He continued: “Affordability is so critical [because] some people on low and average incomes in some regions will no longer be able to buy insurance.”

Cyclone Idai is a reminder that climate change hits the poor hardest. The rich nations carry on drilling for oil and gas, but it is the poor who will suffer. And where is the justice in that?