Flora had only recently married Lord Lugard at this point in 1902. Previously she had been the Colonial Correspondent of the Pall Mall Gazette and the Manchester Guardian. She had travelled widely through Africa and had also had a liaison with Sir George Goldie the founder of the Royal Niger Company and forerunner of Frederick Lugard's Protectorate. Purportedly it was Flora who coined the name Nigeria in an article in The Times about the west African territories under the jurisdiction of the Royal Niger Company.
Ill health in Nigeria caused Lady Lugard to return to England, where she wholeheartedly supported her husband's career through her political and social networks and by praising his administration in Northern Nigeria in her book A Tropical Dependency (1905).
Image courtesy of NPG
Charles Orr's Memoirs Volume 4