Country Risk Report
Nigeria
Abuja
English (official), Hausa, Yoruba, Igbo and others
Nigerian naira (NGN)
Executive Summary
Nigeria is classified as a HIGH risk destination, with sharply varying risk across its 36 states. Lagos and Abuja are operational for business with elevated precautions, but large parts of the north and Middle Belt are no-go areas. The country faces multiple, distinct conflicts: a jihadist insurgency in the north-east, a banditry and mass-kidnapping crisis in the north-west, farmer-herder violence in the Middle Belt, militancy in the Niger Delta, and separatist unrest in the south-east. In the north-east, Boko Haram, including a resurgent JAS faction, and the Islamic State West Africa Province (ISWAP) attack civilians, the military and aid workers across Borno, Yobe and Adamawa, with ISWAP running a parallel administration in parts of rural Borno. In the north-west, armed bandit groups conduct mass kidnappings, with hundreds abducted in single incidents including school attacks, and abductions in the region averaging over 200 per month in early 2026. Kidnapping for ransom is a nationwide threat affecting highways, communities and schools, and foreigners are high-value targets. New armed groups such as Lakurawa and Mahmuda, with Sahel jihadist links, have emerged, and US airstrikes struck Islamic State-linked targets in the north-west in late 2025. Lagos and Abuja face crime and localised risks rather than insurgency. Cover for Nigeria is available on a specialist basis, with the north-east, north-west and other high-risk regions typically excluded. Travel to conflict regions is viable only with specialist security support and comprehensive war-risk, evacuation and kidnap-for-ransom insurance.
Risk Matrix
| Category | Risk Rating | Commentary |
|---|---|---|
| Armed Conflict | High | Jihadist insurgency in the north-east and a banditry crisis in the north-west, plus Middle Belt violence. |
| Terrorism | High | Boko Haram and ISWAP conduct frequent attacks; new Sahel-linked groups have emerged. |
| Kidnapping | High | Mass kidnapping and ransom abduction are nationwide; foreigners are high-value targets. |
| Crime | High | Armed robbery, carjacking, fraud and violent crime affect cities and highways. |
| Civil Unrest | Moderate | Protests and separatist sit-at-home enforcement occur, particularly in the south-east. |
| Health & Medical | High | Care is limited outside major private facilities; serious cases require evacuation. |
| Internal Travel | High | Highway kidnapping, banditry and insurgency make intercity road travel dangerous. |
| Digital / Cyber | Moderate | Fraud is prominent; surveillance and a broad Cybercrimes Act affect online activity. |
Essential Precautions
Security Situation
Nigeria faces multiple distinct conflicts and a nationwide kidnapping threat, with risk varying sharply by region. Lagos and Abuja are operational with elevated precautions, while the north-east, north-west and much of the Middle Belt are highly dangerous.
Lagos and Abuja
The North-east (Borno, Yobe, Adamawa)
The North-west and Middle Belt
The Niger Delta and South-east
Detailed Risk Assessment
Armed Conflict
Nigeria faces a jihadist insurgency in the north-east and an expanding banditry crisis in the north-west, alongside Middle Belt communal violence and Niger Delta militancy. These are distinct conflicts driven by different dynamics.
Terrorism
Boko Haram, including a resurgent JAS faction, and ISWAP conduct frequent attacks on civilians, the military and aid workers, mainly in the north-east, and new Sahel-linked groups such as Lakurawa have emerged in the north-west. Crowded places and infrastructure are targets.
Kidnapping and Detention
Kidnapping for ransom is a nationwide threat, with mass abductions in the north-west, including hundreds of schoolchildren in single incidents, and highway, community and hotel abductions elsewhere. Foreigners are high-value targets, and aid workers are specifically targeted in the north-east.
Crime and Lawlessness
Armed robbery, carjacking, burglary and fraud affect cities and highways, and weak policing and impunity are widespread. Financial and advance-fee fraud is prominent.
Internal Travel
Intercity road travel is dangerous due to highway kidnapping, banditry and insurgency, particularly on northern routes and the Kaduna-Abuja corridor. Air travel between major cities is the safer option, and some regions should be avoided entirely.
Health and Disease
Healthcare is limited outside a few major private facilities in Lagos and Abuja, and public and rural care is poor. Malaria and other diseases are prevalent, and serious cases require international evacuation.
Cultural and Religious Sensitivities
Nigeria is religiously and ethnically diverse, broadly Muslim in the north and Christian in the south, and religious and ethnic tensions are significant. Northern states apply Sharia law affecting alcohol, dress and conduct. Political, religious and ethnic topics are sensitive, and travellers should dress modestly and defer to local guidance.
LGBT Travellers
Same-sex relationships are criminalised nationwide, with severe penalties, including the death penalty under Sharia law in some northern states, and strong social hostility. LGBT travellers face serious risk and should exercise absolute discretion, including over digital content.
Landmines, IEDs and Unexploded Ordnance
Improvised explosive devices are used by insurgents in the north-east, and contamination affects former and current conflict areas there. Elsewhere the risk is low, but the north-east should be avoided.
Diplomatic and Government Situation
Nigeria is a federal democracy under President Tinubu, but state capacity is uneven, security forces are overstretched, and corruption is significant. The government faces criticism over its inability to protect communities. Consular support is available but limited in conflict regions.
Digital and Cyber Threats
Financial and advance-fee fraud is prominent, and the authorities monitor online activity and apply a broad Cybercrimes Act that has been used against journalists and commentators. Travellers should practise good digital and financial hygiene.
Vaccinations & Health Hazards
Strongly Recommended
- Yellow Fever
Required for entry; carry certification.
- Meningococcal Meningitis
Recommended; northern Nigeria lies in the meningitis belt.
- Hepatitis A and Typhoid
Recommended due to contaminated food and water.
- Poliomyelitis
Recommended given circulation.
- Hepatitis B and Tetanus
Recommended given limited safe medical care.
Other Health Hazards
- Malaria: High risk year round. Take prophylaxis and bite-avoidance measures.
- Food and water hygiene: Practise strict hygiene; waterborne illness is common.
- Trauma capacity: Trauma care is limited outside major private facilities. Carry a kit and pre-arrange evacuation.
- Lassa fever and outbreaks: Seasonal outbreaks occur; follow health guidance.
- Routine vaccines: Ensure all primary courses and boosters are up to date on the UK schedule.
Choosing the Right Insurance
Cover for Nigeria is available on a specialist basis, with the north-east, north-west and other high-risk regions typically excluded. Lagos and Abuja are manageable with elevated precautions, while travel to conflict regions requires specialist war-risk insurance covering evacuation and kidnap-for-ransom and pre-travel approval.
Annex A - Key Risk Dynamics
Checkpoints and Detention Triggers
Military, police and local checkpoints operate, with varying conduct; cooperate calmly. Bandits and criminals set up false checkpoints on highways to rob and abduct. Carry ID and a clear travel purpose. Do not photograph security forces, government or oil installations.Kidnapping and Detention Dynamics
Foreigners are high-value targets on highways, at residences and hotels, and in communities. The north-west sees mass abductions, including school attacks. ISWAP specifically targets aid workers in the north-east. Most abductions occur on intercity roads and approach routes.High-Risk Travellers
Travellers to the north face extreme insurgency and banditry risk. Oil and industry personnel are targeted in the Niger Delta. Aid workers face abduction and attack risk in the north-east. Highway travellers face severe kidnapping risk, especially on northern corridors.Annex B - Key Preparation & Checklists
Essential Preparation and Medical
Match plans to the state and treat the north and Middle Belt as largely no-go. Hold specialist war-risk, evacuation and K&R cover for any conflict-region travel. Use vetted, secure accommodation and transport. Take prophylaxis and carry bite-avoidance measures.Digital Security and Checkpoints
Travel with clean devices in higher-risk regions. Guard against advance-fee and financial fraud. Be aware online content can attract legal action under the Cybercrimes Act. Limit public location sharing.Movement and Operational Security
Avoid the north-east and north-west and Middle Belt conflict zones. Do not travel intercity by road without route-specific intelligence. Favour flights between major cities. Avoid the south-east on IPOB enforcement days.Conduct and Legal Compliance
Dress modestly and respect Sharia rules in northern states. Avoid ethnic, religious and political topics and displaying wealth. Never photograph security forces or installations.This report is provided for information only and does not constitute travel or security advice. Ratings are indicative and subject to change without notice. Confirm current conditions with Hotspot Cover before any deployment.
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