​This study investigates the intersection of financing strategies, local climate governance, and the adaptive capacity of Arab communities to climate change. It addresses the paradox that, although these communities are among the most climate-vulnerable globally, they remain minimally engaged in mitigation and adaptation efforts. The research problem centers on the effectiveness of climate finance and policy instruments, alongside the role of local governance in enhancing resilience under conditions of limited transparency, weak coordination, and resource scarcity. Findings reveal that climate finance in Arab countries remains insufficient relative to the scale of challenges, and that weak coordination mechanisms further diminish the impact of available funds. The study argues that strengthening resilience requires policy approaches explicitly integrating adaptation priorities. It recommends scaling up sustainable climate investments, adopting innovative solutions, and institutionalizing local governance to ensure efficient and equitable management of climate finance.