Are You Covered for Crop Loss Due to Drought or Flooding? Understanding Weather-Related Risks

Weather is one of the biggest uncertainties facing farmers and agricultural producers. Droughts and floods can devastate crops, disrupt operations, and threaten the financial stability of your farm. Crop insurance is critical to protecting your livelihood from these unpredictable risks.

How Does Drought and Flooding Impact Texas Agriculture?

Texas is no stranger to extreme weather. Prolonged dry spells can lead to drought, reducing soil moisture and stunting crop growth. On the other hand, heavy rains and flooding can wash away seeds, damage mature plants, and delay harvests. Both scenarios can result in significant crop loss and financial strain for farmers and ranchers across the state.

What Insurance Options Are Available?

Crop insurance is designed to help manage the risks associated with weather events like drought and flooding. The two main types of coverage available to Texas producers are:

• Multi-peril crop insurance (MPCI)—This federally backed policy covers a range of natural disasters, including drought and excessive moisture (flooding). It typically covers yield losses and, in some cases, revenue shortfalls.
• Crop-hail insurance—While primarily focused on hail damage, some policies may offer additional endorsements for other weather-related risks.

Our team can help you review your current coverage and identify any gaps that may leave your operation exposed.

Contact Us

We know Texas agriculture and the unique challenges our clients face. Our team works closely with farmers, ranchers, and agribusinesses to tailor insurance solutions that address specific weather risks in your region. We’re here to answer your questions, explain your options, and help you make informed decisions about protecting your crops and your future.

Contact us today to speak with one of our agricultural insurance specialists.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.