Considering the issues of households’ accessibility to public programs and private inward remittances, there is a need to better understand the linkages through which households’ decision to pursue private defensive strategies (or private protection activities) might be influenced. This has significant policy implications especially for low-and-middle income countries vulnerable to natural disasters. We introduce a theoretical model of household private investment in protection against damages from a natural disaster event given the presence of public programs and the possibility of receiving inward remittances from members of the household