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All Country Reports
Africa Updated July 2026

Country Risk Report

Nigeria

Overall Risk Rating
High
Capital

Abuja

Languages

English (official), Hausa, Yoruba, Igbo and others

Currency

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

CategoryRisk RatingCommentary
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

1Match plans to the state. Risk varies sharply. Lagos and Abuja are operational with precautions; the north and Middle Belt are largely no-go.
2Avoid the north-east (Borno, Yobe, Adamawa) given the active Boko Haram and ISWAP insurgency.
3Avoid the north-west (Zamfara, Katsina, Kaduna, Sokoto, Niger) given the banditry and mass-kidnapping crisis.
4Treat kidnapping as a primary, nationwide risk. Foreigners are high-value targets on highways, at residences and hotels, and in communities.
5Do not travel intercity by road without route-specific intelligence, especially the Kaduna-Abuja and Kaduna-Zaria corridors.
6Avoid the Middle Belt farmer-herder conflict zones and the south-east on IPOB sit-at-home days (typically Mondays).
7Use vetted transport and secure accommodation, and keep a low profile as a foreigner.
8Take malaria and health precautions and practise strict digital hygiene.

Security Situation

High

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

High
Lagos and Abuja are operational for business with precautions, facing crime, fraud and localised risks rather than insurgency.

The North-east (Borno, Yobe, Adamawa)

Extreme
The north-east is an active conflict zone, with Boko Haram and ISWAP attacks and ISWAP governance in parts of rural Borno; movement outside Maiduguri is extremely dangerous.

The North-west and Middle Belt

High
The north-west and Middle Belt face a banditry and mass-kidnapping crisis and farmer-herder violence, with highways and communities heavily affected.

The Niger Delta and South-east

High
The Niger Delta sees militancy, piracy and kidnapping around oil infrastructure, and the south-east sees separatist sit-at-home enforcement and violence.

Detailed Risk Assessment

Armed Conflict

High

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

High

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

High

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

High

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

High

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

High

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

High

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

High

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

Moderate

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

Moderate

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

Moderate

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.