International donors last month pledged $1.2 billion (1.06 billion euros) after the poor southern African country was battered by two powerful cyclones within weeks of each other.
But the UN estimated that $3.2 billion is needed overall. Earlier, about $273 million had been raised for the emergency response.
Guterres, who is touring Mozambique, said: "the funds mobilised both for emergency and for reconstruction is far below what is needed".
Cyclone Idai which struck in March, was the strongest storm on record to hit Mozambique.
It swept away homes, roads and bridges, leaving around 700 people dead and displaced 1.5 million others.
A family stands beside their totally destroyed home in the village of Nacate. Source: AFP
Six weeks later, Cyclone Kenneth hit the northern parts of the country, killing at least 41 people.
"The two severe cyclones that struck Mozambique are a consequence of global warming," Guterres said, adding Mozambique was victim of climate change yet "it contributes nothing to global warming".
"The international community has a moral responsibility to show solidarity with Mozambique," he said after talks with President Filipe Nyusi in Maputo.
On Friday Guterres is due to fly to Beira city which was the hardest hit by cyclone Idai. There he will visit displaced people housed in temporary shelters and meet the local authorities.
