Table 4.

Quotes describing vulnerability trends

Year	Quotes
2017	“We have seen an increase in the loss due to disasters, but this loss is more on vulnerable people who have limited resources to cope with the loss”.
2018	“As a poor person living in an urban area, I have seen increasing pollution and heatwaves. I can’t afford to get an air conditioner. Earlier we didn’t need one”.
2019	“ In the last few years, we have experienced increasing social inequalities and the plight of the most vulnerable sections of society”.
2020	“Changing climate is further creating vulnerabilities, particularly for farmers and households headed by women who face hurdles in accessing water, food, and shelter during disasters”.
2021	“Seeing more floods along the Jhelum River, we migrated but we don’t have good facilities like transportation, drinking water and hospitals here”.
2022	“ Our whole life depends on agriculture, but it is affected a lot due to changing weather conditions and creates economic vulnerabilities and poverty”.
2023	“ I have seen a lot of people crying who are engaged in horticulture because most of their produce was destroyed by rain and hailstorms. It was all they had”.
2024	“Over the last eight years, the vulnerability of people to climate-induced disasters has increased. A lot of times the rainfall is for a short period and the amount of rainfall received is huge, but overall, the amount of precipitation has decreased. These brief spells of heavy downpours basically initiate floods and landslides, so the vulnerability of the people living in these areas has increased. We have seen terrible heat waves this year”.