The Climate Change Vulnerability and Risk Management Matrix for the Coastal Zone of The Gambia

Global Climate Change is one of the dire challenges facing the international community today. Coastal zones are vulnerable to its impacts. An effective approach with long-term prospects in addressing climate change impacts is it’s mainstreaming into development agenda of sectoral policies. A comprehensive risk and vulnerability assessment is a pre-requisite to ensure that the right adaptive response is taken for effective integration into developmental plans. The objective of this study is to evaluate and prioritize risks, vulnerability and adaptation issues of current and anticipated impacts of climate change on the coastal zone of The Gambia. The study will also give a methodological contribution for assessing risks, vulnerability and adaptation from the sub-national to local levels. The relevance of this study will be to create a link between the sub-national and local levels in order to facilitate the integration and mainstreaming of climate change into sectoral and local policies for more climate-resilient communities. This will aid in the promotion of strategic investment of constrained developmental resources to actualize successfully dynamic coping strategies, elude ‘maladaptation’ and less compelling responsive measures. A purposive expert sampling technique was used in selecting respondents for the study. The findings of the study reveal that by the end of the 21st century, the climatic variables likely to have the highest impact on the coastal zone of The Gambia are ‘increased flood severity’ and ‘increased temperature’. The coastal zone of The Gambia showed a high vulnerability to these climate change variables. The suggested adaptive response in addressing the impacts of increased flood intensity in the study area includes; improving regulations for restricting agriculture and livestock grazing activities to improve land cover; strengthening of early-warning systems, among others. The suggested adaptive response in addressing the increase in temperature includes: increase crop diversification and rotation to reduce total crop failure; switching to drought-tolerant crop and animal species, among others.


Introduction
Global Climate Change (CC) is one of the dire challenges facing the international community today.Coastal zones are highly vulnerable to its impacts in the delivery of profoundly profitable services like tourism, fisheries, transportation, recreation, and human settlements.This study describes Coastal Zones (CZ) as the interface between land and ocean, including shallow waters and low-lying shoreline ecosystems.
The coastal zone homes approximately 25-80% of the total populace in each coastal state in West Africa [1].Many countries along the coast have their national capitals in the coastal zone.The annual contributions from Agriculture and Tourism to GDP from the coastal zone is estimated to be US $130 billion and US $7.3 billion respectively in West Africa [1,2].The number of tourist arrivals in Africa expanded from 53.4 million individuals in 2015 to 57.8 million individuals in 2016 of which the coastal zone was the key tourism areas visited [3].Tourism is the second largest contributor to GDP of The Gambia besides agriculture.By the year 2020, the tourism sector in The Gambia will contribute 18% to GDP as compared to the 13% values recorded in 2004 [4].With the impacts of climate change, the sustained benefits derived from the coastal zone may be compromised.
The coastal zone is under continuous stress from climate change and anthropogenic activities.For instance, the establishment of human settlements and other economic developments along the coast; increasing storm intensity, temperature surge; varying precipitation patterns and; surge in sea levels [5,6].On average, by the end of the 21st century, sea levels are expected to rise by 48 cm over the coastline of Africa [1,6].The rise in sea levels is likely to result in: accelerated coastline destruction; flooding of low-lying regions; a rise in the recurrence and strength of storms; salinization of soil and water tables; degradation and alteration of biological systems and; involuntary migration of people [6,7].It is predicted that about 92 km 2 of land in the coastal zone of The Gambia will be submerged and inundated due to only 1 m sea level rise [8].Under this scenario, The Gambia will lose its capital city, Banjul.Sea Surface Temperature (SST) and pH changes are relied upon to expand acidity levels by 0.06-0.32 and SSTs by 0.6-2 • C by 2100 over the coastlines of Africa [1,6].With high confidence, IPCC AR5 (2014) [6] reports a positive trend in SSTs over the majority of coastlines.By the year 2080, ocean level ascent could bring about losses as much as 22% of the world's coastal zone wetlands [9].The costs of adaptation to the impacts of sea-level rise in coastal states could amount to 5-10% of GDP [10].However, if no adaptation is undertaken, the losses due to climate change could be up to 14% of the GDP [10].
An effective approach with long-term prospects in addressing climate change impacts is it's mainstreaming into development agenda of sectoral policies [1,6,11,12].A comprehensive risk and vulnerability assessment is a pre-requisite to ensure that right adaptation response is taken for effective integration into development plans [13].In this study, the term risk refers to "the potential, when the outcome is uncertain, for adverse consequences of climate change on the lives, livelihoods, health, ecosystems and species, economic, social and cultural assets" [6].The prior requirement for the mainstreaming process requires a thorough and purposeful engagement of stakeholders across varied sectors [1].There is the need to undertake vulnerability and risk assessment in respective countries, which can be downscaled to sectoral levels to ensure recommendations are better represented and applicable.The viable and effective execution of adaptive response requires that a thorough risk assessment eludes maladaptation [13,14].
Methods and tools for evaluating risks and vulnerability to climate change impacts on coastal systems are in the formative stages of development.This study defines Vulnerability as "the degree, to which a system is susceptible to and unable to cope with, adverse effects of climate change, including climate variability and extremes" [6].Vulnerability assessment also depends on the intended use of the assessment results, which may range from an intention to inform international and national policy or to spur community-level action [15].Macro-level interventions typically include measures at the country level, with international and regional policy applications [15].This level typically uses the top-down approach to assess vulnerability.Meso level interventions typically include measures at the subnational level [15].This level uses the top-down, bottom-up or a combination of these approaches in vulnerability assessment.The micro-level measures target individuals and households where vulnerability is more frequently assessed using participative and qualitative measures for programs targeting.Though each level possesses unique requirements for analysis, they intersect in important ways; this study focuses on mixed methods between the meso and micro levels.
At the macro level, the IPCC first developed the guidelines for assessing impacts of climate change called the 'common methodology' using the top-down approach [16].Ever since the IPCC 'common methodology' was developed in 1991, there have been numerous attempts to use or adapt this methodology, but the focus has remained on sea-level rise as the most important issue of coastal zone vulnerability assessment [17].The seven stages of IPCC 'common methodology' are: This approach is most useful as an initial, baseline analysis for country-level studies where little is known about coastal vulnerability [19,20].The focus of the 'common methodology' was on obtaining monetary valuations of vulnerable areas so a cost-benefit test could assess the best response option [17].The adaptation component of the 'common methodology' focused around three generic options: retreat, accommodate or protect.This study defines adaptation as "the adjustment in natural or human systems in response to actual or expected climatic stimuli or their effects, which moderates harm or exploits beneficial opportunities" [21].The 'common methodology' was deficient in assessing a wide range of technical, institutional, economic and cultural elements present in different localities [19,20].The concept of vulnerability did not consider the resilience of coastal systems to various stresses like increase in temperature, flood intensity, on coastal systems.The 'common methodology' received criticism at the World Coast Conference in 1993 and some noted that if coastal vulnerability assessment supported Integrated Coastal Zone Management (ICZM) it would need revision and expansion [22].
Later, three agencies, the United States Country Studies Program (USCSP) [23], The Netherlands climate change studies assistance program and UNEP country case studies on climate change impacts and adaptation assessment [24] conducted studies in different parts of the world.The UNEP methodology, for instance, establishes a generic framework for vulnerability assessment and response to the threats posed by sea level rise and climate change.The USCSP methodology also extended from the assessment of the impacts of climate change on coastal recourses to other sectors like agriculture, livestock, water resources, human health, terrestrial vegetation, wildlife and fisheries [25].Since these methods are based on the IPCC 'common methodology' with a single-stressor approach [26], the conceptual ideas behind these methods do not tackle these weaknesses either.The Southern Africa Vulnerability Initiative (SAVI) framework was developed in 2004 to emphasize the interconnections of multiple stressors [27].It draws on the vulnerability literature originating in the disciplines of anthropology/sociology, economics, and disaster management.Because it focuses on root causes than suggested adaptive responses, assessments utilizing the SAVI framework are more complicated, resource-intensive, and demands complex and long-term research [27,28].
The focus shifted to a bottom-up approach at the micro level where the main focus has been to understand the community members' actions, practices and strategies for community-based vulnerability, adaptation and coping strategies to climate change impacts [25].Younus [25], for example, used the bottom-up approach in the prioritization of Vulnerability and Adaptation issues at the community level using weighted indices in coastal regions of Bangladesh.His study modified the Participatory Vulnerability Analysis method in the vulnerability and adaptation assessment.Another method used at the micro level is the Household Economy Approach (HEA).This is a livelihoods-based analytical framework developed based on multi-level analysis [29].It was initially developed to predict food emergencies at the national level, but has since been adapted to assess an array of shocks at the local level [30,31].A limitation associated with this method is that it is resource intensive and time-consuming [29,30].
At the meso level, most of the vulnerability assessments are suitable for economic strengthening interventions like poverty reduction, food security and sustainable livelihoods.They have features that are not generalizable for adoption in climate change vulnerability and impact assessments [15,32].An example is the Local Vulnerability Index (LVI) [33], Household Vulnerability Index (HVI) [15,34,35] and the Participatory Vulnerability Analysis (PVA) [25,32].Another example is the Household Livelihood Security Analysis (HLSA).Though the HLSA is useful in creating a comprehensive baseline and incorporates mixed methods, including participatory methods, the qualitative approach used is not generalisable outside the economics, sociology and anthropology frameworks [31,[36][37][38][39]. Another method is the Risk and Vulnerability Assessment Methodology Development Project (RiVAMP).The RiVAMP is intended for vulnerability assessment in Small Island Developing States with a focus on coastal areas affected by tropical cyclones and their secondary effects [40].This makes the RiVAMP not suitable for assessments in West Africa.There is the need for a method that incorporates a bottom-up approach which is more consistent with coastal zone management at the sub-national level [17,20].This led to the development of the vulnerability and risk management framework by researchers in the Australian Greenhouse Office (AGO) in 2006 [41].This method has been used in the development of climate change risk and vulnerability assessments in Australia and Canada [42,43].The method employs a multi-stressor approach with fewer resources and, training time requirements in assessments [42,43].It also identifies a more comprehensive variety of adaptations characteristically explored by researchers to deliver a simple, hands-on and representative assessment of risk and vulnerability [13,[42][43][44][45].We argue that a framework that considers the full process of vulnerability and adaptation will better integrate adaptation to climate change at the meso and micro levels for effective coastal zone management.This study seeks to fill this research gap by adapting the AGO methodology using the bottom-up approach at the meso level with qualitative measurements.Despite the strengths associated with this methodology, germane literature must be consulted to establish a common understanding or direction where views made from expert judgement are opposing [39].
The objective of this study is to evaluate and prioritize risks, vulnerability and adaptation issues of current and anticipated impacts of climate change on the coastal zone of The Gambia.The study will also give a methodological contribution for assessing risks, vulnerability and adaptation from the sub-national to local levels.The relevance of this study will be to create a link between the sub-national and local level in order to facilitate the integration and mainstreaming of climate change into sectoral and local policies for more climate-resilient communities.This will aid in the promotion of strategic investment of constrained developmental resources to actualize successfully dynamic coping strategies, elude 'maladaptation' and less compelling responsive measures.

Materials and Methods
Some categories of uncertainty are possible to quantify in probabilities while others are not.In the guidelines for the Fifth Assessment Report of the IPCC [6], two metrics for the communication of the degree of certainty are proposed, with one metric comprising quantified measures of uncertainty in a finding that can be expressed probabilistically.This is expressed based on statistical analysis of observations, model results or expert judgment.The other metric for the degree of certainty is expressed qualitatively and comprises confidence in the validity of a finding, based on the type, amount, quality, and consistency of evidence and the degree of agreement [6,46].The latter metric is used in this study.
A workshop was organized for the development and validation of the impact risk and vulnerability matrix for the study area.Later, stakeholder consultations were made for further information to support the results.There are various methods to involve stakeholders, like cognitive mapping, expert judgement, brainstorming or checklists, interviews and surveys [47].When quantitative data are not available, expert opinions of key stakeholders can offer alternative sources of information on coastal systems [6,25,[46][47][48][49].A purposive expert sampling technique was used in selecting respondents for the study.To minimize the error associated with this sampling technique, a quota of 20 experts were selected from each institution for the workshop.A total of 100 experts were engaged in the workshop.The steps of this study were officially communicated to the heads of the institutions.This information was later relayed to other staff members for 2 weeks, to ensure familiarization with the steps to be used for the workshop.The heads of the institutions selected the experts based on their level of expertise in climate change and their willingness to participate in the workshop.The institutions consulted are; the Department of Water Resources, Coastal and Marine Environment Unit of the National Environment Agency, Department of Parks and Wildlife Management, Department of Agriculture, Ministry of Environment, Climate Change and Natural Resources.
Thirteen (13) principal steps were used in completing the risk and vulnerability matrix during the workshop and stakeholder consultative meetings.This includes:

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Step 1: Definition of the Area of Interest and Timescale Boundaries • Step 2: Identification of Important Climate Change Variables • Step 3: Assigning Likely Changes in Climate Change Patterns • Step 4: Identification of Elements of the Sector • Step 5: Completion of the Framework of the Impact Risk Matrix • Step 6: Description of the Climate Change Impacts • Step 7: Determination of the Likely Category for the Impact • Step 8: Determination of the Consequence Category for the Impact • Step 9: Assigning Impact Risk in the Impact Risk Matrix • Step 10: Description of Adaptation Response • Step 11: Determination of Adaptive Capacity • Step 12: Assigning Level of Vulnerability • Step 13: Preparing a Risk/Vulnerability Statement.
The themes for each step is translated into the research questions for the study.For instance, in step 2-Identification of Important Climate Change Variables.The experts were asked to list 5 important climate change variables that impact the coastal zone of The Gambia.The stakeholders then went through the IPCC document, identified and listed out the 5 most important climate change variables that will impact the study area.The 5 commonest variables selected by the respondents were then ranked collectively from 1 (the most important to the study area) to 5 (the least important).These steps are expanded below: Step 1: Definition of the Area of Interest and Timescale Boundaries The geographical boundary was defined as the entire open coast of The Gambia (Figure 1) within the scale limits of 2100 [6].This timeframe adopted formed the baseline climate and socio-economic scenarios for this study.
Step 2: Identification of Important Climate Change Variables The workshop participants identified five vital variables of climate change with a momentous impact on the coastal zone of The Gambia.Although not thorough, the list provides a useful vulnerability and risk assessment of the coastal zone of The Gambia.These key climate change variables selected and the level of confidence in projection were identified from a review of the IPCC (2014) [6] report (Table 1).Table 1 below provides the identified imperative climate change variables relevant to the coastal zone sector of The Gambia.The first column ranked the climate change variables from one to five, where one is the most significant and five is the least significant for the sector.The third column shows the level of confidence scientists placed in the projection for each climate variable using color codes described in Table 2 below.Reduced Rainfall frequency and Intensity The color code shows the level of priority assigned to the CC variables; the deep red color shows a higher priority level than light red color while the orange color shows the least priority level.Source: IPCC, 2014.The color code shows the level of confidence assigned to the occurrence of the CC variables identified in Table 1; the deep red color shows a higher confidence of occurrence than light red in a decreasing order.The yellow color shows the least level of occurrence of each CC variable.Source: IPCC, 2014.
Step 3: Assigning Of Likely Changes in Climate Change Patterns By assigning likely changes in each climate change pattern identified in step 2, the IPCC [6] report was reviewed to expose the level of confidence in each climate change projection.Four levels of confidence were assigned to the 2100 projections to the climate change variables (Table 2), namely: virtually certain; extremely likely; very likely and; likely.The reviewed literature exposing the projections in the climate change variables are discussed in the subsections below.Reduced Rainfall frequency and Intensity The color code shows the level of priority assigned to the CC variables; the deep red color shows a higher priority level than light red color while the orange color shows the least priority level.Source: IPCC, 2014.The color code shows the level of confidence assigned to the occurrence of the CC variables identified in Table 1; the deep red color shows a higher confidence of occurrence than light red in a decreasing order.The yellow color shows the least level of occurrence of each CC variable.Source: IPCC, 2014.
Step 3: Assigning Of Likely Changes in Climate Change Patterns By assigning likely changes in each climate change pattern identified in step 2, the IPCC [6] report was reviewed to expose the level of confidence in each climate change projection.Four levels of confidence were assigned to the 2100 projections to the climate change variables (Table 2), namely: virtually certain; extremely likely; very likely and; likely.The reviewed literature exposing the projections in the climate change variables are discussed in the subsections below.

Increased Temperature
IPCC [6] reveals air temperatures surged by over 0.5 • C throughout last 50-100 years over most parts of Africa.It is virtually certain that globally the troposphere has warmed since the mid-20th century.Temperatures in Africa are projected to rise faster than the global average increase during the 21st Century.In West Africa, a temperature rise of 3-6 • C is predictable by the end of the 21st century as of the late 20th Century baseline [6].These forthcoming projections in temperature over the West Africa Sub-region will occur one to two decades earlier than the projected global average.This is due to the relatively small natural climate variability in the sub-region engendering a narrow climate limits that can be easily outshined by comparatively slight changes in climatic variables [6].At the local level, The Gambia has recorded temperature increases of 0.5 • C per decade from the year 1940 and it is predicted that temperatures will increase from the current levels of 28 • C to 31.5 • C by 2100 [6].

Sea Level Rise (SLR)
The IPCC [6] envisages with virtual certainty that SLR will advance further than 21st-century levels owing to continuous emissions of CO 2 from both natural and anthropogenic sources.Under Low emissions scenario, sea levels are anticipated to increase to 0.26-0.55m by 2100 while increases in the range 0.52-0.98m are recorded in High emissions scenario [6].The IPCC [6] forecasts with virtual certainty that near-surface permafrost size at high northern latitudes will diminish as the global mean surface temperature rises, with the size of permafrost near the surface (upper 3.5 m) projected to decrease by 37-81%.This will contribute to surge in sea levels from global to local levels.At the regional level, before the end of the 21st century; ocean level ascent is probably to be 10% Higher along Africa's coastlines than the worldwide mean [50].

Elevated Carbon Dioxide Levels
The IPCC [6] predicts with very high certainty that elevated CO 2 levels with other GHG emissions in the atmosphere have resulted in an extremely likely cause of the observed warming since the mid-20th century.It is extremely likely that the increase in anthropogenic sources of CO 2 and other anthropogenic GHG concentrations triggered over 50% of the observed surge in global average surface temperature from 1951 to 2010.These anthropogenic sources of CO 2 have increased since the pre-industrial era, driven largely by economic and population growth through the burning of fossil fuels, and cement manufacturing processes, among others.

Increased Flood Severity
It is very likely that since 1951 there have been statistically significant increases in the number of heavy precipitation events in more regions than there have been statistically significant decreases [6].This phenomenon has caused varied impacts like floods from regional to local levels [6].Coastal systems and Low-lying areas will increasingly experience submergence, flooding, and erosion throughout the 21st century and beyond, due to SLR [6].The contemporary detection of increasing trends in extreme precipitation besides discharges in some catchments denotes greater risks of flooding on a regional scale [6].

Increased Rainfall Frequency and Intensity
The frequency and intensity of heavy precipitation events have likely increased over most parts of Africa while continents like North America and Europe have experienced very likely increases [6].It is very likely that global near-surface and tropospheric air specific humidity has increased since the 1970s.This has contributed to an increase in the frequency and intensity of rainfall, although the rainfall amounts have shown a downward trend over most parts of Sub-Sahara Africa.This is largely observed at the local level.For instance, forecasts over The Gambia point to at least 20% decrease in rainfall by mid-century with an increase in its intensity and frequency [51].
Step 4: Identification of Elements of the Sector The sector elements identified are issues that affect production, natural resources, social or lifestyle aspects, particularly agricultural production, fisheries, tourism and human health and well-being in the study area (Table 3).Amongst the elements that affect production dynamics in the sector are: Land Use/Cover Changes; Infrastructure Development; Population Dynamics and; Fisheries Productivity [51].The other sector elements that formed natural resource drivers of the coastal zone comprise: Mangroves and Wetland; Fisheries; Agricultural Land; Mining Operations; Habitat, and Biodiversity loss [51].In this study, coastal wetlands comprise salt marshes, mangroves and intertidal areas excluding other biogenic features like coral reefs.Lastly, the sector elements that form the social or lifestyle drivers of the coastal zone include Employment; Health; Poverty; Cultural and Religious Issues and; Population Dynamics [51].The workshop participants identified and ranked five vital elements with a momentous impact on the coastal zone of The Gambia.Overall, five elements were selected for the vulnerability assessment.The top two ranking sector elements that form the production drivers are; natural resource drivers and social or livelihood drivers.These elements are ranked from one (the highest rank) to five (lowest rank).Step 5: Completion of the Framework of the Impact Risk Matrix The experts in the workshop completed each cell of the impact risk matrix independent of each other.This was done by deliberations and the establishment of an accord on the anticipated impact of each climate change variable on each key sector element identified in step 4. The impact risk matrix framework comprises the climate change variables on the vertical axis while the key sector elements are on the horizontal axis.
Step 6: Description of the Climate Change Impacts The participants of the workshop came to a verbal agreement and values were recorded on the anticipated impacts, whether positive or negative of each climate change variable for each principal element in the coastal zone.Varied literature sources were consulted to complement and substantiate the claims made from the expert judgement.This helps in reducing individual biases.Most impacts of the climate change element on the key sector elements were negative.These descriptions were imputed into the risk matrix, independent of each other and without external influences.
Step 7: Determination of the Likely Category for the Impact The likelihood of each climate change event happening was determined from one of the five categories either as almost certain, likely, possible, unlikely, or rare (Table 4).The likelihood of each event occurring was determined for each key sector element independent of each other in the impact risk matrix development.The frequency of occurrence of the climate change event is also considered as some will occur once in the year, while others may occur more than once in a year [41].Step 8: Determination of the Consequence Category for the Impact The consequences of the impact of the climate change risk are considered for each sector element independent of each other and range from 'catastrophic' to 'minor' impacts [41].The consequence category for the impact of the climate change variables on each key sector element was determined from one of the five categories as either catastrophic, severe, major, moderate or minor.
Step 9: Assigning Impact Risk in the Impact Risk Matrix After the likelihood and the consequence category of the impacts were determined, Table 5 was used to combine the likelihood (step 7) and the consequences (step 8) categories in developing the level of impact risk.These values were documented for each significant sector element in completing the impact risk matrix.The overall impact of climate change for each key sector element of the coastal zone was derived by adding each cell in the specific column and communally arriving at unanimity on the overall impact (as either positive or negative).An overall impact matrix is developed and shown with shading of each cell with color codes.The darker the brown color, the greater the negative impact of the climate change variable on the key sector elements of the coastal zone of The Gambia.The darker the brown color, the greater the negative impact of the climate change variable on the key sector elements of the coastal zone of The Gambia.Source: AGO, 2006.
Step 10: Description of Adaptation Response After developing the impact risk matrix (step 9), the climate change professionals used their expert judgment to identify key adaptation responses likely to reduce the risks associated with each climate change impact on each sector element.This was then validated with the review of pertinent literature.The climate change variables and their corresponding key sector elements of the impact risk matrix are then transferred to develop the vulnerability matrix.
Step 11: Determination of Adaptive Capacity The level of adaptive capacity for each cell is then determined to complete the vulnerability matrix.Adaptive capacity in this study is defined as "the ability or potential of a system to adjust successfully to climate change, to moderate potential damages, to take advantage of opportunities, and/or to cope with the consequences" [6].The coastal zone of The Gambia has a low adaptive capacity in addressing issues of climate change [51,52], the reason for the low adaptive capacity option selected for all cells.A modified form of the AGO [41] description of adaptive capacity is used: Low-this level of adaptive capacity implies it is very demanding and expensive for the coastal zone sector to actualize adaptation actions that are effective.Medium-this level of adaptive capacity identifies trouble and cost implications in actualizing change; however, it is conceivably possible within the study area.High-this level of adaptive capacity implies there is ease in adopting options placing adjustments as doable and useful.
Step 12: Assigning Level of Vulnerability In assigning the level of vulnerability of each climate change variable on the key sector element, Table 6 is used to cross-reference the risk determined from the impact risk matrix with the adaptive capacity determined in step 11.These values were recorded and used in developing the Vulnerability Matrix.The Vulnerability Matrix describing the Adaptation responses for the key elements of the coastal zone of The Gambia is completed with shading of each cell with color codes.The darker the pink color, the greater the vulnerability of the key sector elements to the climate change variables in the study area.The darker the pink color, the greater the vulnerability of the key sector elements to the climate change variables in the study area.Source: AGO, 2006.
Step 13: Preparing a Risk or Vulnerability Statement The Risk or Vulnerability statement was prepared to expose the nature and level of risk or vulnerability of the coastal zone to anticipated climate change impacts, the necessity for scheduling of the response and the nature of useful adaptation responses.This helps in revealing how the identified risks can be potentially addressed in the short to long-term.

Impact Risk Assessment
The writings in the impact risk matrix show the direction and the impact of the climate change variables on the key sector elements in the study area (Table 7).The shaded areas indicate the impact of the climate change variables on the key sector elements.The deeper the shade of brown, the greater the impact of climate change on the sector elements in each cell of the impact risk matrix (Table 7).All the cells in the impact matrix recorded a negative impact on the key sectors of the coastal zone of The Gambia (Table 7).The impact of the climate change variables recorded range from 'High' to 'Low'.11 (44%) cells in the matrix recorded a 'High' impact, 6 (24%) cells recorded a 'Medium' impact while 8 (32%) cells recorded a 'Low' impact on the key sector elements in the coastal zone.The anticipated 'High' impact of climate change on the coastal zone indicates the High level of exposure of the sector element as it has a relatively Low adaptive capacity to address these impacts in The Gambia [7,[51][52][53].
The climatic variables of 'increased flood severity' and 'increased temperature' recorded the highest impact on the coastal zone.The increase in temperature will likely have deleterious impacts across the sector elements like: the increase in heat stress on crops, livestock and biodiversity; reduction in water quality due to increased growth of nuisance algae.This will lead to lower oxygen levels in water bodies, among others.Although increased temperature could have detrimental effects on the study area, other areas like the tourism sector can benefit from this climate change impact until a particular threshold of temperature is achieved [54].Increased temperature may provide prospects for outdoor tourism activities like historical and cultural site visits, increased exposure of tourists to the 'sun' with shopping activities [55].Increased flood severity will likely have deleterious impacts on the sector elements like land use/cover changes; damage to facilities of economic, social or cultural importance owing to floods; mangrove and wetland survival; major drop in employment opportunities due to the destruction of infrastructure and; changes to the health of individuals.The key elements in the coastal zone that recorded an overall 'High' impact consist of: land use/cover changes; infrastructural development; wetlands and mangroves and; health concerns.The Employment key sector nonetheless recorded a 'Low' climate change impact on the coastal zone.With the overall High impact of the climate change variables on land use/cover changes, it is likely there will be observed impacts like severe heat stress on crops, livestock and biodiversity within the coastal zone.Yaffa [7] and NAPA [52] study further supports this claim.
The overall 'High' impact of the climate change variables on 'infrastructural development' will likely lead to impacts like major damage to facilities of economic, social and cultural importance, owing to flood events.These impacts of climate change could create a new group of refugees, who may migrate into new settlements to seek new livelihoods, which will create additional demands on infrastructure [10,56].This may account for the observed 'High' impact of climate change on infrastructure development in the study area.
The overall 'High' impact of the climate change variables on mangroves and wetlands will likely lead to impacts like changes in their ecosystem, increase in algal blooms affecting their very survival beside affecting water quality and reduction in oxygen levels.Reduction in water quality could be attributed to changes in freshwater supply and runoff.Sustained survival of wetlands and mangrove ecosystems requires that the rate of evapotranspiration runs parallel to the rate of water supply with rainfall or from streamflow [6,57].Increase in temperature and decrease in rainfall amounts is likely to alter this balance beside anthropogenic activities like deforestation and damming of waterways [51,52].These factors increase the exposure of wetland and mangrove ecosystem and may account for the observed 'High' impact of climate change on this key sector element.The overall 'High' impact of the climate change variables on health is likely to cause an increase in cases of malaria, injuries and other threats to lives owing to floods and heat stress, among others.
The employment sector recorded an overall 'Low' impact of anticipated climate change events.This is likely to cause a major decrease in the productivity of employees, due to fatigue from increased temperature, dip in employment opportunities owing to the destruction of infrastructure from flood risks, among others.The overall impact risk for each sector is assessed through stakeholder consultations while developing the appropriate adaptation responses in addressing these risks in the study area.

Vulnerability Assessment
The writings in the vulnerability and adaptation matrix (Table 8) show the responses that agents in the areas of climate change such as Agriculture, Water Resources, Parks and Wildlife Management, Tourism can take in addressing some of the climate change impacts identified from the impact risk matrix.This list is not considered to be thoroughly exhaustive.The shades of pink in the table give a measure of vulnerability to climate change incorporating climatic impacts and adaptive capacity.The deeper the shade of pink indicates the vulnerability of climate change on the sector elements in each cell of the adaptation and vulnerability matrix (Table 8).The result of the adaptation and vulnerability matrix reveals that each sector element within the coastal zone of The Gambia experienced varied levels of vulnerability to climate change impacts.10 (40%) cells in the matrix recorded 'High' vulnerability, 7 (28%) recorded 'Moderate' vulnerability and 32% (8) recorded 'Low' vulnerability to the anticipated impacts of climate change in the study area.The coastal zone sector is highly vulnerable to increased flood severity and increased temperature.The key elements in the coastal zone that recorded an overall 'High' vulnerability to climate change comprise: infrastructural development and; wetlands and mangroves.The land use/cover changes key sector element recorded an overall 'Moderate' vulnerability with employment issues recording an overall 'Low' vulnerability to the anticipated impacts of climate change in the study area.The key sector elements that recorded 'High' vulnerability requires transformational changes in the adaptation option to ensure potential reduction of its elements to imminent impacts of the principal climate change variables under study.
With the overall 'High' vulnerability of infrastructural development, there is the need to undertake adaptation responses like the promotion of more energy efficient electrical, heating and cooling appliances with renewable energy sources and; improvement of insulation.This has become necessary as the energy will continually power industrialized processes, trade and agriculture and support the delivery of resources into sectors like the health, education, water and sanitation [57,58].The accessibility of a reliable energy supply system that is effectual, reasonably priced and environmentally friendly is fundamental for advancement in all three facets of sustainable development and a condition for a shift to a green economy [58].For instance, an institution like The Gambia Renewable Energy Centre (GREC) established in The Gambia is to promote the development of technologies and the encouragement of its use at the national and local levels.Some adaptation responses could be the improvement in regulations for restricting coastal development; engaging inhabitants in analyzing possibilities for relocation; maintaining the natural and beneficial functions of floodplains; and changes in the urban housing design like green roofing and more vents for improved ventilation, among others.
The key sector elements of wetlands and mangroves recorded an overall 'High' vulnerability to the climate change variables in the study area.Some measures taken at the national level like the Banjul Declaration in 1977 for the preclusion of the national flora and fauna endowment, including wetlands and its ecosystem have achieved minimum success [58].And the National Disaster Management Act of The Gambia is silent on vulnerability factors with less exposition on effective adaptation measures to reduce anticipated impacts of climate change [58].This, among other reasons, may have contributed to the observed high vulnerability to climate change impacts in the study area.There is the need to undertake adaptation responses to overcome the challenges faced in the mentioned areas.Some of the adaptation actions that can be used comprise the training of community members principally oyster harvesters on sustainable use of mangrove resources; provision of alternative livelihood support system for community members to allow for effective fallow of mangroves and wetland ecosystem.There is the need for mangrove restoration and rehabilitation of affected areas; the introduction of more flood tolerant mangrove species and; incorporation of wetland protection into regional and local infrastructure development planning.The continuous pressure from anthropogenic activities in wetland areas may likely increase their vulnerability to the varied impacts of climate change in the study area.The rate of deforestation is far beyond the rate of mangrove restoration in some wetlands of The Gambia [59].For instance areas within the Tanbi and Bao Bolong wetland reserves are used for rice cultivation during the wet season and vegetable crop production during the dry season [59].Others harvest the mangroves for household energy and construction needs due to poverty.This has ramifications on local and commercial fishing and oyster population.Effective implementation of the adaptation response requires a strong partnership among the public, private sector and community members [59].
Per the overall 'Moderate' vulnerability of the land use/cover changes, there is the need to undertake adaptation responses like improving crop and grazing land management for increased land cover and soil carbon storage; reduction in using fossil-based fertilizers and pesticides and; increase afforestation and reforestation programs (Table 8).Further adaptation responses identified include the improvement of regulations for restricting agriculture and livestock grazing activities to improve land cover and; engagement of inhabitants in analyzing possibilities for relocation from flood-prone areas.There is also the need for protection of key economic infrastructure like fish landing and tourism attraction sites; consolidation in using integrated coastal zone management; increased crop diversification and rotation to reduce total crop failure.An adaptive response like the encouragement of farmers to undertake crop diversification at the local level may be met with concerns like poverty, restraining the diverse options available to them [10,58].Microfinancing and other social wellbeing nets and social welfare allowances may improve adjustment to present future stun and stresses and assist in beating such limitations if upheld by indigenous institutional plans for long-term sustainability [60].
The key sector element, employment noted an overall 'Low' vulnerability to the climate change variables in the study area.The Agriculture sector is a key contributor to Greenhouse Gases (GHGs), accounting for over 13.5% of global greenhouse gas emissions [61].Increase in employment in this sector can be associated with a resultant increase in activities releasing more GHGs, thus exacerbating climate change impacts.Over 62.8% of the employed populace in The Gambia are in the non-agricultural informal sector and other forms of vulnerable occupations [62].The non-agriculture informal sector may contribute less GHG emissions relative to regions with more employment in this sector.This may account for the observed low vulnerability of the employment sector elements to the anticipated impacts of climate change in the coastal zone.There is the need to undertake adaptation responses like raising more awareness of climate change risks, impacts, and adaptation with its mainstreaming into strategic and annual business plans.More research, investment, and development of clean energy and other renewable energy sources like solar energy with the significant creation of green jobs need to be explored, coupled with the development of flood response plans at the corporate level.Among other adaptation responses are the encouragement of employee training on climate change risks and disaster management with the subscription of employees to insurance policies in the face of anticipated climate change impacts.

Climate Change Risk Statement
It is helpful while educating administrators and key policymakers regarding dangers and vulnerabilities, to expose them to a risk statement.The risk statement synthesizes highlights from the impact, vulnerability and adaptation matrix in this paper.A case in point of a risk statement describing the risk of increased flooding severity to the coastal zone of The Gambia is: The 'High' risk to the coastal zone of The Gambia to increased flood severity of land cover/use change, infrastructural development, and health could cause a severe impact on land use/cover changes, major damage to infrastructure of economic, social or cultural importance owing to floods as well as severe health threats from injuries and death, among others.This level of risk requires an immediate response from the most senior levels of leadership, agency management, policy development and government representatives, and individuals in the sector.This risk can be potentially addressed through improved regulations for restricting agriculture and livestock grazing activities to improve land cover; engaging inhabitants in analyzing possibilities for relocation from flood-prone areas; strengthening of early-warning systems; building flood-shelters; integrated emergency services and stakeholder response to flood events.[114,116,117,121,123,124]; * Construction of seawalls and revetments [100,102,119,123,126,128]; *

Increased Temperature
Increase crop diversification and rotation to reduce total crop failure; Switching to drought-tolerant crop and animal species; Changes to more heat tolerant livestock like the shift from cattle to goat rearing; More appropriate, accessible and reliable seasonal and weather forecasts [100,108,115,121]; * Changes in Urban housing design like green roofing and more vents for improved ventilation [100,102,103,114]; * Use of appropriate agricultural and forestry practices to increase the water retention capacity; Education and Awareness Creation; Identification and protection of ecologically significant areas like areas of high species diversity, nursery and spawning grounds; Management of invasive species and restoration of native species [106,107,110,115,127]; * Development and subscription of employees to insurance policies against impacts of climate change; Use of renewable energy sources for cooling, lighting or heating purposes [99,112,124,129]; * Construction of buildings with more vents for improved ventilation; Green Roofing to reduce Urban-Heat-Island effect [114,118,119,125,128]; *

Reduced Rainfall frequency and Intensity
Increase crop diversification and rotation to reduce total crop failure; Educational and outreach programme on conservation agriculture and improved pasture and graze-land management; use of water conservation technique like the Zai technique adopted from Burkina Faso [99,105,123,130]

Conclusions
The findings of the study reveal that by the end of the 21st century, the climatic variables likely to have the highest impact on the coastal zone of The Gambia are increased flood severity and increased temperature.The coastal zone of The Gambia showed the highest vulnerability to these climate change variables.The increase in flood severity may cause: severe impact on land use/cover changes; major damage to facilities of economic, social or cultural importance; and impacts like; severe health challenges from injuries or death.The increase in temperature may cause: severe heat stress on crops, livestock and biodiversity; major reductions in water quality due to increased growth of nuisance algae that further lowers oxygen levels, and; severe health challenges from heat stress.
The suggested adaptive response in addressing the impacts of increased flood intensity in the study area include: improving regulations for restricting agriculture and livestock grazing activities to improve land cover; engaging inhabitants in analyzing possibilities for relocation from flood-prone areas and; strengthening of an early-warning system, among others.The suggested adaptive response in addressing the increase in temperature in the study area include: increased crop diversification and rotation to reduce total crop failure; switching to drought-tolerant crop varieties and animal species; changes to more heat tolerant livestock like the shifting from cattle to sheep and goat rearing, or other ruminants.
There is the need to build and develop the capacity of various stakeholders in the coastal zone sector in order to facilitate the mainstreaming of the adaptive responses identified in this study into plans, policies and strategies at all levels to increase resilience to climate change impacts.

Stage 1 .
Delineate case study area and specify accelerated sea-level rise and climatic change conditions.Stage 2. Produce an inventory of study area characteristics.Stage 3. Identify relevant development factors.Stage 4. Assess physical changes and natural system responses.Stage 5. Formulate response strategies, identifying potential costs and benefits.Stage 6. Assess the vulnerability profile and interpret the results.Stage 7. Identify future needs and develop a plan of action [18].

Figure 1 .
Figure 1.Map of the Study Area, the Coastal Zone of The Gambia.

Figure 1 .
Figure 1.Map of the Study Area, the Coastal Zone of The Gambia.

Table 1 .
List of Climate Change Variables and the Level of Confidence in Projections.

Table 2 .
Confidence and Likelihood of the Coastal Zone experiencing the CC Variables in Table1.

Table 1 .
List of Climate Change Variables and the Level of Confidence in Projections.

Table 2 .
Confidence and Likelihood of the Coastal Zone experiencing the CC Variables in Table1.

Table 3 .
Elements of the sector that are affected by Climate Change.

Table 4 .
Likelihood Categories Describing the Occurrence of Each climate change Impact.

Table 5 .
Level of Impact (Impact Risk) for Describing Negative Consequences.

Table 6 .
Level of Vulnerability Derived From Combining Impact Risk and Adaptive Capacity.

Table 7 .
Impact Risk Matrix describing the impacts of the key elements of the coastal zone of The Gambia to climate change.

Table 8 .
[105][106][107]109,111,127]bing the Adaptation responses for the key elements of the coastal zone of The Gambia.Use of appropriate agricultural and forestrypractices to increase the water retention capacity; Allowance for coastal wetlands to migrate inland using setbacks; Incorporation of wetland protection into regional and local infrastructure development planning[105][106][107]109,111,127]; * Employee training on climate risks and disaster management; Development and subscription of employees to insurance policies against impacts of climate change Based on Expert Judgement.Values in parenthesis are references sourced to support the expert judgement. *