Drought, Heat and Livestock: Is Your Farm Policy Covering the Real Risks?

Ohio farmers are not strangers to unpredictable weather, but recent years have brought a new level of intensity. Extended droughts and extreme heat are becoming more common, putting both crops and livestock at risk. As these challenges grow, many producers are beginning to question whether their current insurance policies are truly up to the task.

Farm Insurance Considerations

If you haven’t reviewed your farm policy recently, it may not fully address the complex realities of today’s climate. Livestock producers, in particular, face unique vulnerabilities. Heat stress, water shortages and feed scarcity can all take a toll on animal health and productivity; unfortunately, not all policies account for these indirect but costly impacts.

This is where working with a knowledgeable insurance broker becomes essential. A good broker doesn’t just sell a policy; they help you understand your specific risks and tailor coverage to match. That might include protection for heat-related livestock losses, coverage for feed and forage shortages or even compensation for revenue disruptions caused by market shifts or environmental stress.

Some insurers are now offering more flexible options that reflect the evolving needs of modern farms. These may include coverage for animals not yet in your possession, or for categories like cull cows and unborn calves, areas that were overlooked in the past. Amid rapidly changing climate conditions and market offerings, it’s essential to ask the right questions and review your policy regularly.

Learn More

If you haven’t reviewed your farm insurance in the last year, now is the time. Sit down with a broker who understands agriculture and ask whether your current plan reflects the risks you’re actually facing. For farm insurance guidance near you, contact Jordan Agency.

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.