Africa, though contributing minimally to global emissions, bears disproportionate climate impacts, with its rapidly urbanizing cities being the most vulnerable. Heatwaves, floods, droughts, and cyclones threaten infrastructure, livelihoods, and sustainable development. The Fund for Responding to Loss and Damage (FRLD), established at COP27, offers a critical opportunity to strengthen Africa’s urban resilience. By financing disaster-ready infrastructure, empowering informal settlements, and supporting capacity-building, the Fund could transform African cities into sustainable, inclusive hubs capable of withstanding climate shocks while advancing socio-economic development.