Crop Wind and Flood Insurance For Added Protection
Coverage That Targets Extreme Weather
Standard crop insurance covers many perils, but some farms seek added protection for windstorms and flooding. Supplemental wind and flood insurance can address green snap, lodging, and excess water losses that may not trigger large multi-peril claims. Bath Insurance Group helps tailor these options to your fields and risk profile, so coverage aligns with how and where you farm.
Wind Coverage, Including Green Snap
High winds can flatten or snap corn and reduce standability even when nearby fields perform well. A dedicated wind policy can pay for losses tied to documented wind events or defined damage thresholds. Ask about green snap coverage for corn prior to tassel in storm-prone areas.
Flood and Excess Rain Protection
Heavy rain and localized flooding can drown out low spots and bottom ground. Supplemental flood coverage can add dollars when inundation or prolonged saturation damages stands beyond what your base policy accounts for. This option is useful near creeks, tile outlets, and drainage pinch points.
How private supplemental policies work
These are private add ons. You choose per acre coverage amounts and the specific perils to include. Triggers may reference NOAA recorded events or defined damage percentages. We will clarify definitions so you understand when a payment can be due and how documentation works with adjusters
Deciding If Wind or Flood Makes Sense
Consider local history and field position. If your corn is exposed to straight line winds or your soybeans sit near low lying areas, extra coverage can be worthwhile. Not every farm needs it, but for some operations a single storm can justify the premium.
Answers To Common Wind and Flood Questions
Does federal crop insurance cover wind and flood
Yes as causes of loss, but payouts are based on unit yield. Supplemental policies target event specific damage.
What is green snap
Wind snaps corn stalks before harvest. If damage meets policy terms, payment can be due.
Is this different from prevented planting
Yes. Prevented planting addresses delays before planting. Flood coverage here focuses on damage after crops are in the ground.
How are premiums set
By location risk and selected coverage amounts. We provide quotes for your fields.
Can I add mid season
Often yes, provided the peril has not occurred and program windows are open.
Cover every angle of weather risk
From hail to wind to flood, a thoughtful mix of policies can steady your season. Bath Insurance Group will map options, timelines, and claims steps so you can keep moving when storms pass through.
