Matt Russell has seen strange weather before.  As a fifth-generation Iowa farmer, he's used to being at the whims of the skies.  But ominous changes are underway at his Coyote Run Farm, and lately, he's been trying to cope with "the wrong weather at the wrong time."

Like Matt, I grew up as the fifth generation on my family's farm.  In fact, my 83-year-old grandfather, Art, is out planting corn with my dad this week. In Art's eight decades in the field, he's seen his share of tough times.  When he was just a little boy, he saw his family's crops wither up, die, and blow away into the Dust Bowl.  Like many American families, the Great Depression tested our family's commitment to farming.

But we persevered, and out of the devastation of the Dust Bowl, a new era of hope and progress for American farmers was born.  Under the leadership of the US Department of Agriculture, farmers began viewing soil conservation as a key risk management tool.  On our farm and many others, we learned that protecting the soil was paramount to surviving future dry years.  And although dry times like the 1950s and 1980s were challenging, the conservation lessons learned from the Dust Bowl era lessened their impact on my family's operations.

Now, we are at another critical moment for agriculture.  Climate change is bringing more frequent and severe weather challenges, unlike any that farmers have seen before, and already farmers are feeling the effects.  Countless scientists agree that climate change will affect every part of our food system?from crop yields to food processing and distribution.  More dry days and hot nights will stress already limited water resources.  Ironically, when it does rain, it will pour, exacerbating soil erosion.  Farmers will need to confront new challenges from weeds, diseases and pests. But farmers don't need a scientist to tell them times are tough.  They can just look out their windows.  Listen to what Arlyn Schipper, a Conrad, Iowa farmer, has to say:

So how will we confront the climate challenge facing American farmers?  Will we ignore the ominous reality of climate change?  Or will we take steps to improve farms' resiliency to extreme weather and prevent the worst impacts of climate change?

We know what needs to be done. We learned after the Dust Bowl that farmers have one of the best "insurance policies" right beneath their boots?their very own soil.  Healthy soil is more resilient to extreme weather events like droughts and floods because it can filter and hold more water.   The new "normal" of climate change calls for us to redouble our efforts to build healthy soil.  NRDC's "Soil Matters" report describes how we can build farms that are more resilient to climate change by encouraging low risk, water-smart practices that regenerate soil.  Under NRDC's proposal, farmers who adopt proven techniques, like cover cropping, to reduce their risk of crop loss would receive a discount on their crop insurance policies.  This could be done under existing law, and could have widespread benefits for farmers, taxpayers, and the environment.

But the longer we wait, the harder the job will be. Scientists agree that the increased concentration of heat-trapping carbon pollution in our atmosphere is the key reason that our climate is changing, and power plants are responsible for nearly half of that pollution.  The U.S. Environmental Protection Agency has proposed the first carbon pollution limits for future power plants, and is on track to propose limits for existing power plants by early June.  These new protections will help reduce the carbon pollution that is threatening American agriculture and our food security.

After the Dust Bowl, American farmers didn't throw up their hands in despair.  They got to work, planting windbreaks, building terraces and making conservation a way of life.  Now it's our turn.  Climate change is a tough challenge, but we know what we need to do.  We need to regenerate our landscapes to build resilient farms, and we need protections from the power plant carbon pollution that's threating our food supply.  It's time to act.  The next five generations of farmers depend on it.

Report Shows County-by-County Analysis of Impacts in the Ten States with Highest Crop Insurance Losses due to Extreme Weather:  IL, IA, IN, KY, MO, WI, SD, NE, KS, TX

CHICAGO (August 27, 2013) - Extreme weather forced the Federal Crop Insurance Program (FCIP) to pay out a record-breaking $17.3 billion in crop losses last year, much of which could have been prevented using water-smart strategies, according to the Natural Resources Defense Council. Payments made to farmers during the 2012 growing season to cover losses from drought, heat and hot wind alone accounted for 80 percent of all farm losses, with many Upper Midwest and Great Plains states hit hardest.

With extreme weather conditions such as drought expected to become more common, record-breaking insurance payouts will likely continue to increase. However, widespread adoption of crop-loss prevention methods that build soil health and improve water management on farms can limit these losses. From 2001 to 2010, crop losses averaged just $4.1 billion a year, making the 2012 record-breaking FCIP payouts even more staggering.

"The Federal Crop Insurance Program has failed farmers and taxpayers by ignoring water challenges," said Claire O'Connor, NRDC Agricultural Water Policy Analyst. "The program was designed to be a safety net, not a subsidy for increasingly risky practices and less sustainable food production. We need to empower farmers to invest in low risk, water-smart practices that are proven to reduce crop losses."

NRDC's study, Soil Matters: How the Federal Crop Insurance Program should be reformed, includes a new interactive crop loss and weather map at www.nrdc.org/water/your-soil-matters detailing crop losses county-by-county in all 50 states in 2012, when more than 80 percent of agricultural lands nationwide suffered drought.

The report finds that American farms, particularly in the Upper Midwest and Great Plains, were primarily impacted by three major forms of extreme weather in 2012: drought, heat and hot wind, all of which are expected to increase in the future. The top ten states with the largest overall crop insurance payouts due to drought, heat and hot wind were:

·         Illinois: 98% of all crop losses were caused by drought, heat and hot wind, costing $3,011,443,799

·         Iowa: 97% of losses, costing $1,924,444,160

·         Indiana: 97% of losses, costing $1,130,302,660

·         Kentucky: 96% of losses, costing $454,380,256

·         Missouri: 95% of losses, costing $1,098,310,111

·         Wisconsin: 94% of losses, costing $372,479,370

·         South Dakota: 93% of losses, costing $1,029,780,352

·         Kansas: 93% of losses, costing $1,273,662,944

·         Nebraska: 92% of losses, costing $1,427,738,976

·         Texas: 75% of losses, costing $974,548,606

Soil Matters' analysis reveals the key causes of the staggering crop insurance payouts by the U.S. Department of Agriculture's Risk Management Agency (RMA), and examines the systemic flaws in RMA's program, which fails to account for risky farming practices that create extreme weather vulnerabilities and ignores the risk-reducing value of healthy soil. The report outlines solutions for a crop insurance reform pilot plan that would build soil health to help climate-proof American farms, and would reduce government and taxpayer costs by encouraging farmers to become more resistant to weather-related risks. The pilot, which would not require legislation, would offer reduced premium rates to farmers who adopt proven soil-building management practices that sustain productive crop yields and result in greater water infiltration, less farm runoff and reduced flooding.

"Farmers can apply their own skills to build healthy soil, reduce the worst effects of climate change, and rein in the skyrocketing costs of this program," said Gabe Brown, Great Plains farmer and soil champion. "Healthy soil is one of the most effective and time-tested insurance policies we have."

These best management practices include cover cropping, conservation tillage and improved irrigation scheduling:

·         Cover crops: crops grown with the specific purpose of building soil health and increasing biodiversity on farms focused on growing major commodity crops. Farmers who used cover crops in 2012 averaged higher yields than farmers who did not, according to one recent USDA survey.  The yield benefit from cover crops was most pronounced in the areas hardest hit by the drought, demonstrating the importance of cover crops to drought-proofing fields.

·         No-till farming: a soil moisture management method when farmers plant directly into the stubble from the previous year's crops, rather than plowing up this residue. The protective stubble serves as mulch that retains soil moisture, suppresses weeds and increases a field's capacity to grow high-yield crops.  In 2010, corn farmers who used no-till were 30% less likely to file a crop insurance claim than conventional tilling corn farmers.

·         Improved irrigation scheduling: a simple altering of often fixed irrigation times, whereby farmers apply adaptive irrigating schedules based on frequent examinations of soil health. This improved efficiency could help farmers avoid some supply constraints that cause losses during dry years; in 2012, irrigation supply failures accounted for more than $14.7 million in indemnity payments.

Over 282 million acres of cropland - making up at least 70 percent of the nation's total cropland - are insured under the Federal Crop Insurance Program, a public-private partnership between the RMA and 18 private insurance companies. The FCIP is the most expensive farm subsidy program, and serves as the primary risk management tool for farmers to prepare for potential crop loss, including from weather-related risks.

For more information about 2012's record-breaking crop insurance payouts and how the Federal Crop Insurance Program should be reformed to encourage sensible, low-risk farming, see:

·         NRDC's Crop Loss Mapping Tool: www.nrdc.org/water/your-soil-matters/

·         NRDC's Soil Matters Issue Paper: www.nrdc.org/water/soil-matters/

·         NRDC Agricultural Water Policy Analyst Claire O'Connor's blog: http://switchboard.nrdc.org/blogs/coconnor/

·         Farmer Gabe Brown on Soil Matters: Read his OnEarth.org guest column and see videos

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