Flooding in Nigeria, particularly in Kogi State, is worsening annually, severely impacting subsistence farmers. Traditional aid programs are insufficient, prompting innovative solutions like GiveDirectly's anticipatory cash payments, which use AI to predict flood-prone areas and provide funds before disasters strike. This approach allows residents to prepare by purchasing essential goods, rather than relying solely on post-disaster aid. The AI-driven model, developed with Google, aims to enhance disaster response efficiency and mitigate the impact of climate change-induced flooding. Despite the challenges, residents remain committed to their land and livelihoods, underscoring the need for sustainable, proactive measures.