Cover crops as climate insurance: Exploring the role of crop insurance discounts to promote climate adaptation and mitigate risk.

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Title: Cover crops as climate insurance: Exploring the role of crop insurance discounts to promote climate adaptation and mitigate risk.
Authors: Yoder, Landon1 (AUTHOR) yoderl@iu.edu, Wardropper, Chloe1,2 (AUTHOR) chloew@illinois.edu, Irvine, Rachel1 (AUTHOR), Harden, Seth3 (AUTHOR)
Source: Journal of Environmental Management. Jan2025, Vol. 373, pN.PAG-N.PAG. 1p.
Subjects: Extreme weather, Crops, Cash crops, Agricultural climatology, Crop insurance, Cover crops
Abstract: Climate adaptation is vital for agriculture to manage the growing risks from more frequent droughts, floods, and extreme heat. Yet, adaptation measures remain underused in some of the most agriculturally productive regions, such as the U.S. Cornbelt. Cover crops represent a growing but still underutilized adaptation measure that offers co-benefits to farmers and society. In this study we examine farmers' perceptions of cover crops as a climate adaptation tool and explore the potential for integrating cover crops into existing crop insurance. We surveyed 1023 farmers in Illinois, Indiana, and Iowa to examine what factors shape cover crop acreage, intensity (percent of farm with cover crops), and farmers' future cover crop plans through negative binomial and ordered logit regression models. In addition, we explored farmers' views on policy changes to incorporate the use of cover crops into crop insurance decisions. We found that farmers largely do not perceive extreme weather as a factor in their cover crop decisions, but they do see cover crops as effective in mitigating some impacts of extreme weather. Nearly twice as many farmers reported neutral or improving cash crop yields following cover crops as those who reported declining cash crop yields. Perceptions of negative cash crop yield responses correlated to fewer acres, lower intensities, and plans for fewer cover crops, while positive yield responses only predicted plans to increase cover crops. Program enrollment, self-efficacy, and reduced tillage were all associated with higher cover crop intensities, acres, and plans. Farm size was positively correlated with more acres of cover crops but also lower intensities. Farmers were interested in crop insurance discounts and carbon markets as policy instruments but ranked cost-share programs as their top option overall. Future research should further explore the link between training, experience, and financial costs to inform what policy instruments will most effectively support scaling up cover crop adoption. • Extreme weather was not a major perceived risk to crop yields, but farmers view cover crops as effective. • Twice as many farmers had yield gains than losses from cover crops. • Larger farms had lower percentages of cover crops than small farms. • Farmers were receptive to crop insurance discounts as a policy for cover crops. • Discounts could expand training and messaging opportunities for cover crop outreach. [ABSTRACT FROM AUTHOR]
Copyright of Journal of Environmental Management is the property of Academic Press Inc. and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)
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  Data: Cover crops as climate insurance: Exploring the role of crop insurance discounts to promote climate adaptation and mitigate risk.
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  Data: <searchLink fieldCode="DE" term="%22Extreme+weather%22">Extreme weather</searchLink><br /><searchLink fieldCode="DE" term="%22Crops%22">Crops</searchLink><br /><searchLink fieldCode="DE" term="%22Cash+crops%22">Cash crops</searchLink><br /><searchLink fieldCode="DE" term="%22Agricultural+climatology%22">Agricultural climatology</searchLink><br /><searchLink fieldCode="DE" term="%22Crop+insurance%22">Crop insurance</searchLink><br /><searchLink fieldCode="DE" term="%22Cover+crops%22">Cover crops</searchLink>
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  Data: Climate adaptation is vital for agriculture to manage the growing risks from more frequent droughts, floods, and extreme heat. Yet, adaptation measures remain underused in some of the most agriculturally productive regions, such as the U.S. Cornbelt. Cover crops represent a growing but still underutilized adaptation measure that offers co-benefits to farmers and society. In this study we examine farmers' perceptions of cover crops as a climate adaptation tool and explore the potential for integrating cover crops into existing crop insurance. We surveyed 1023 farmers in Illinois, Indiana, and Iowa to examine what factors shape cover crop acreage, intensity (percent of farm with cover crops), and farmers' future cover crop plans through negative binomial and ordered logit regression models. In addition, we explored farmers' views on policy changes to incorporate the use of cover crops into crop insurance decisions. We found that farmers largely do not perceive extreme weather as a factor in their cover crop decisions, but they do see cover crops as effective in mitigating some impacts of extreme weather. Nearly twice as many farmers reported neutral or improving cash crop yields following cover crops as those who reported declining cash crop yields. Perceptions of negative cash crop yield responses correlated to fewer acres, lower intensities, and plans for fewer cover crops, while positive yield responses only predicted plans to increase cover crops. Program enrollment, self-efficacy, and reduced tillage were all associated with higher cover crop intensities, acres, and plans. Farm size was positively correlated with more acres of cover crops but also lower intensities. Farmers were interested in crop insurance discounts and carbon markets as policy instruments but ranked cost-share programs as their top option overall. Future research should further explore the link between training, experience, and financial costs to inform what policy instruments will most effectively support scaling up cover crop adoption. • Extreme weather was not a major perceived risk to crop yields, but farmers view cover crops as effective. • Twice as many farmers had yield gains than losses from cover crops. • Larger farms had lower percentages of cover crops than small farms. • Farmers were receptive to crop insurance discounts as a policy for cover crops. • Discounts could expand training and messaging opportunities for cover crop outreach. [ABSTRACT FROM AUTHOR]
– Name: AbstractSuppliedCopyright
  Label:
  Group: Ab
  Data: <i>Copyright of Journal of Environmental Management is the property of Academic Press Inc. and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract.</i> (Copyright applies to all Abstracts.)
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RecordInfo BibRecord:
  BibEntity:
    Identifiers:
      – Type: doi
        Value: 10.1016/j.jenvman.2024.123506
    Languages:
      – Code: eng
        Text: English
    PhysicalDescription:
      Pagination:
        PageCount: 1
        StartPage: N.PAG
    Subjects:
      – SubjectFull: Extreme weather
        Type: general
      – SubjectFull: Crops
        Type: general
      – SubjectFull: Cash crops
        Type: general
      – SubjectFull: Agricultural climatology
        Type: general
      – SubjectFull: Crop insurance
        Type: general
      – SubjectFull: Cover crops
        Type: general
    Titles:
      – TitleFull: Cover crops as climate insurance: Exploring the role of crop insurance discounts to promote climate adaptation and mitigate risk.
        Type: main
  BibRelationships:
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      – PersonEntity:
          Name:
            NameFull: Yoder, Landon
      – PersonEntity:
          Name:
            NameFull: Wardropper, Chloe
      – PersonEntity:
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            NameFull: Irvine, Rachel
      – PersonEntity:
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            NameFull: Harden, Seth
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          Dates:
            – D: 01
              M: 01
              Text: Jan2025
              Type: published
              Y: 2025
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            – Type: issn-print
              Value: 03014797
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            – Type: volume
              Value: 373
          Titles:
            – TitleFull: Journal of Environmental Management
              Type: main
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