Home Owner Insurance Quote Iowa

Crop insurance rates skyrocket after summer floods

KANSAS CITY, Mo. (AP) — Midwestern farmers who saw their land swamped by summer flooding may be socked again with steep increases in their crop insurance premiums, the expensive result of the failure to fix broken levees before the winter snow and next spring's rains.

The Missouri River rose to record levels this year after the U.S. Army Corps of Engineers began releasing massive amounts of water from reservoirs in Montana, Nebraska and the Dakotas that had been inundated with melting snow and heavy rains. Many levees in downstream states such as Iowa and Missouri were no match for weeks of sustained pressure and gave way. Homes and farms were damaged or ruined.

The U.S. Department of Agriculture's Risk Management Agency said $114 million in claims have been paid so far for flooding damage on 436,000 acres along the Missouri River downstream from the Gavins Point Dam on the Nebraska-South Dakota border. Record high water levels also created havoc along the lower Mississippi River from Missouri to Louisiana.

In southeast Missouri, the corps used explosives to blow gaping holes in the Birds Point levee to let water out of the Mississippi River and save the tiny town of Cairo, Ill., on the river's eastern bank. The blast sent water cascading over Missouri farms.

The deluge flooded about 130,000 acres behind the levee, including about 8,000 on which Ed Marshall, 55, of Charleston, grows corn, wheat and soybeans. He received $1.5 million in federally-subsidized crop insurance, which covers part of farmers' losses from such things as drought, flooding, hail, wind, insects and plant disease.

Then his premium skyrocketed. He recently paid about $100,000 to insure about 2,700 acres of wheat that he planted in the fall and hopes to harvest in the spring. The amount is nearly five times what he paid a year ago because the U.S. Department of Agriculture now considers his land high risk and he increased his coverage because of the risk.

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