LONDON - Pakistan, which according to the International Strategy for Disaster Reduction is at continued risk of man-made and natural disasters and lost around $8.7billion to $10.8 billion about a third of its 2009-10 budget to the July floods is unprepared for the next monsoon season coming in July and September. The British charity OXFAM has warned that the country is still not prepared for the worst and it is the time to build up Pakistan resilience to disaster. The monsoon season usually runs from July-September. Last year, more than 20 million people in 78 districts were affected by the worst floods in living memory. Some 2.4m hectares of standing crops and about a third of the rice planted that year were destroyed; paddy yields dropped by 38 percent on the previous year, according to the Food and Agriculture Organisation. Many of those affected are yet to fully recover. In Sindh, 80,000 displaced people are still living in camps and settlements, according to the UN Office for the Co-ordination of Humanitarian Affairs (Ocha). I still do not have a properly built house; it was very difficult through the winter and now I am worried about rains later this year, Muhammad Khan, a farmer, told IRIN from his village in Charsadda. Efforts to help those affected by the floods are continuing. More than 2.5 million people have benefited from the construction of almost 63,700 latrines. More than 921,000 families have received hygiene kits, and 6.6 million individuals have been reached with hygiene promotion activities, Ocha reported. The plight of people in areas where rain triggers flash floods and landslides has highlighted the need for disaster preparedness, according to the UN secretary generals special representative for disaster risk reduction, Margareta Wahlstrm. Yet the World Bank and the Asian Development Bank estimate that an investment of only $27m in disaster risk reduction mechanisms could greatly reduce losses from future disasters.Speaking at the end of a visit to Pakistan in February, Wahlstrm said there was a clear need to build resilience to future floods, just as Pakistan embarks on the reconstruction of flood-affected areas following the devastating floods of July 2010. Local observers say there is limited evidence that this lesson has been learned. For example, many of the houses hastily reconstructed by victims are built on the same lines as those washed away earlier. Residents in areas such as Swat where roads and bridges were badly damaged, claimed the same holds true for infrastructure. The thing is we built many of the roads ourselves, with some help from military personnel, after the floods, using what materials were available. We needed the roads to move relief supplies to villages, and couldnt afford to wait for the government to take action, said Abdul Sulaiman, from the town of Kabal in Swat.