Us Congress 2025-2026 Regular Session

Us Congress House Bill HB2435 Compare Versions

Only one version of the bill is available at this time.

Old	New	Differences
1	1	I
2	2	119THCONGRESS
3	3	1
4	4	STSESSION H. R. 2435
5	5	To amend the Federal Agriculture Improvement and Reform Act of 1996
6	6	to assist farmers relying on the noninsured crop disaster assistance
7	7	program by lowering the cost of purchasing coverage, reducing paperwork
8	8	burdens, and increasing payouts under that program, and to incentivize
9	9	farmers to transition gradually to a comprehensive insurance policy under
10	10	the whole farm risk management insurance plan by offering progressive
11	11	premium discounts on a commitment to purchase a whole farm plan
12	12	of insurance.
13	13	IN THE HOUSE OF REPRESENTATIVES
14	14	MARCH27, 2025
15	15	Mrs. H
16	16	AYES(for herself, Mr. LARSONof Connecticut, Mr. COURTNEY, Ms.
17	17	D
18	18	ELAURO, and Mr. HIMES) introduced the following bill; which was re-
19	19	ferred to the Committee on Agriculture
20	20	A BILL
21	21	To amend the Federal Agriculture Improvement and Reform
22	22	Act of 1996 to assist farmers relying on the noninsured
23	23	crop disaster assistance program by lowering the cost
24	24	of purchasing coverage, reducing paperwork burdens, and
25	25	increasing payouts under that program, and to
26	26	incentivize farmers to transition gradually to a com-
27	27	prehensive insurance policy under the whole farm risk
28	28	management insurance plan by offering progressive pre-
29	29	mium discounts on a commitment to purchase a whole
30	30	farm plan of insurance.
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33	33	•HR 2435 IH
34	34	Be it enacted by the Senate and House of Representa-1
35	35	tives of the United States of America in Congress assembled, 2
36	36	SECTION 1. SHORT TITLE. 3
37	37	This Act may be cited as the ‘‘Save Our Small Farms 4
38	38	Act of 2025’’. 5
39	39	SEC. 2. ADMINISTRATION AND OPERATION OF NON-6
40	40	INSURED CROP ASSISTANCE PROGRAM. 7
41	41	Section 196 of the Federal Agriculture Improvement 8
42	42	and Reform Act of 1996 (7 U.S.C. 7333) is amended— 9
43	43	(1) in subsection (a)(1)(C)— 10
44	44	(A) in the matter preceding clause (i), by 11
45	45	inserting ‘‘best facilitates’’ after ‘‘assistance 12
46	46	program that’’; 13
47	47	(B) in clause (i)— 14
48	48	(i) by striking ‘‘best facilitates the use 15
49	49	of that’’ and inserting ‘‘the use of those’’; 16
50	50	and 17
51	51	(ii) by striking ‘‘and’’ at the end; 18
52	52	(C) in clause (ii)— 19
53	53	(i) by striking ‘‘ensures the avail-20
54	54	ability of that’’ and inserting ‘‘the public 21
55	55	availability of those’’; and 22
56	56	(ii) by striking the period at the end 23
57	57	and inserting a semicolon; and 24
58	58	(D) by adding at the end the following: 25
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62	62	‘‘(iii) the expansion of crops listed on 1
63	63	the national crop table of the Agency with 2
64	64	a local average market price; 3
65	65	‘‘(iv) the voluntary graduation of pro-4
66	66	gram participants to the whole farm risk 5
67	67	management insurance plan developed 6
68	68	under section 522(c)(7) of the Federal 7
69	69	Crop Insurance Act (7 U.S.C. 1522(c)(7)); 8
70	70	and 9
71	71	‘‘(v) the establishment of pilot 10
72	72	projects for purposes of addressing emerg-11
73	73	ing needs of producers and collecting data 12
74	74	to support the development of policies or 13
75	75	plans of insurance offered under the Fed-14
76	76	eral Crop Insurance Act (7 U.S.C. 1501 et 15
77	77	seq.).’’; 16
78	78	(2) in subsection (b), by striking paragraph (4) 17
79	79	and inserting the following: 18
80	80	‘‘(4) S
81	81	TREAMLINED APPLICATION PROCESS .— 19
82	82	‘‘(A) D
83	83	EFINITION OF WHOLE FARM 20
84	84	PLAN.—In this paragraph, the term ‘whole 21
85	85	farm plan’ means the whole farm risk manage-22
86	86	ment insurance plan developed under section 23
87	87	522(c)(7) of the Federal Crop Insurance Act (7 24
88	88	U.S.C. 1522(c)(7)). 25
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92	92	‘‘(B) ESTABLISHMENT.— 1
93	93	‘‘(i) I
94	94	N GENERAL.—The Secretary 2
95	95	shall establish a streamlined process for 3
96	96	the submission of records and acreage re-4
97	97	ports under paragraphs (2) and (3), re-5
98	98	spectively, for— 6
99	99	‘‘(I) diverse production systems, 7
100	100	such as those typical of urban produc-8
101	101	tion systems; 9
102	102	‘‘(II) other small-scale production 10
103	103	systems; and 11
104	104	‘‘(III) direct-to-consumer produc-12
105	105	tion systems. 13
106	106	‘‘(ii) I
107	107	NCLUSIONS.—The streamlined 14
108	108	process established under clause (i) shall 15
109	109	include— 16
110	110	‘‘(I) reduced acreage report re-17
111	111	quirements; and 18
112	112	‘‘(II) allowing the submission to 19
113	113	the Secretary of 2 reports per year so 20
114	114	as to accommodate later acreage re-21
115	115	porting. 22
116	116	‘‘(C) R
117	117	EVENUE-BASED OPTION.— 23
118	118	‘‘(i) E
119	119	STABLISHMENT.—Notwith-24
120	120	standing paragraphs (2) and (3) or sub-25
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123	123	•HR 2435 IH
124	124	section (a)(1)(A), the Secretary shall es-1
125	125	tablish a streamlined revenue-based cov-2
126	126	erage option that is available, on a vol-3
127	127	untary basis, to any producer eligible for 4
128	128	assistance under this section. 5
129	129	‘‘(ii) S
130	130	UBMISSION OF HISTORICAL 6
131	131	REVENUE.—The Secretary shall accept the 7
132	132	Internal Revenue Service Tax Form Sched-8
133	133	ule F, or successor forms, as sufficient for 9
134	134	the establishment of historical adjusted 10
135	135	revenue, subject to the condition that ap-11
136	136	proved insurance providers may request 12
137	137	additional verifiable records in cases where 13
138	138	there is documented evidence, made clear 14
139	139	to the applicant, that farm tax records are 15
140	140	incomplete. 16
141	141	‘‘(D) O
142	142	N-RAMP TO WHOLE FARM PLAN .— 17
143	143	‘‘(i) I
144	144	N GENERAL.—In the case of a 18
145	145	producer using diverse production systems 19
146	146	described in subparagraph (B)(i) that may 20
147	147	be eligible for the whole farm plan, the 21
148	148	Secretary, acting through the Adminis-22
149	149	trator of the Agency, shall establish a 23
150	150	streamlined revenue-based option under 24
151	151	the noninsured crop disaster assistance 25
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154	154	•HR 2435 IH
155	155	program under this section to assist the 1
156	156	producer to transition, on a voluntary 2
157	157	basis, from the noninsured crop disaster 3
158	158	assistance program under this section to 4
159	159	the whole farm plan. The Secretary may 5
160	160	provide for such other options as may be 6
161	161	necessary to assist producers with such a 7
162	162	transition who are unable to purchase a 8
163	163	whole farm plan. 9
164	164	‘‘(ii) R
165	165	EQUIREMENTS.—The stream-10
166	166	lined revenue-based option established 11
167	167	under clause (i) shall offer a premium dis-12
168	168	count of— 13
169	169	‘‘(I) 25 percent for the first crop 14
170	170	year for which a producer— 15
171	171	‘‘(aa) certifies that the pro-16
172	172	ducer will transition from the 17
173	173	noninsured crop disaster assist-18
174	174	ance program under this section 19
175	175	to the whole farm plan not later 20
176	176	than 3 years after the date of the 21
177	177	certification; and 22
178	178	‘‘(bb) provides revenue his-23
179	179	tory with respect to that crop 24
180	180	year; 25
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184	184	‘‘(II) 50 percent for the crop 1
185	185	year following the crop year described 2
186	186	in subclause (I) if the producer— 3
187	187	‘‘(aa) certifies that the pro-4
188	188	ducer will transition from the 5
189	189	noninsured crop disaster assist-6
190	190	ance program under this section 7
191	191	to the whole farm plan not later 8
192	192	than 2 years after the date of the 9
193	193	certification; and 10
194	194	‘‘(bb) provides revenue his-11
195	195	tory with respect to that crop 12
196	196	year; and 13
197	197	‘‘(III) 50 percent for the crop 14
198	198	year following the crop year described 15
199	199	in subclause (II) if the producer— 16
200	200	‘‘(aa) purchases insurance 17
201	201	under the whole farm plan not 18
202	202	later than 1 year after the date 19
203	203	of the certification; and 20
204	204	‘‘(bb) provides revenue his-21
205	205	tory with respect to that crop 22
206	206	year. 23
207	207	‘‘(iii) T
208	208	AX FORM SCHEDULE F .—The 24
209	209	Secretary shall accept the Internal Rev-25
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212	212	•HR 2435 IH
213	213	enue Service Tax Form Schedule F (or a 1
214	214	successor form) with respect to a producer 2
215	215	for purposes of establishing revenue history 3
216	216	under clause (ii). 4
217	217	‘‘(iv) R
218	218	EVENUE HISTORY SHARING .— 5
219	219	The Secretary shall submit to the Federal 6
220	220	Crop Insurance Corporation the revenue 7
221	221	history submitted to the Secretary pursu-8
222	222	ant to clause (ii). 9
223	223	‘‘(E) R
224	224	ULEMAKING.—Not later than 90 10
225	225	days after the date of the enactment of the 11
226	226	Save Our Small Farms Act of 2025, the Sec-12
227	227	retary shall issue regulations to ensure that 13
228	228	premium discounts under this paragraph are 14
229	229	only available to producers who transition to a 15
230	230	whole farm plan, as described in subparagraph 16
231	231	(D)(i).’’; 17
232	232	(3) in subsection (c), by adding at the end the 18
233	233	following: 19
234	234	‘‘(5) N
235	235	OTICE OF CERTAIN LOSSES .—Notwith-20
236	236	standing any other provision of law (including regu-21
237	237	lations), a producer of a hand-harvested or rapidly 22
238	238	deteriorating crop may submit to the Secretary noti-23
239	239	fication of a loss of that crop 120 hours or more 24
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243	243	after the loss in order to be eligible for assistance 1
244	244	under this section. 2
245	245	‘‘(6) A
246	246	PPRAISAL OF LOSS.— 3
247	247	‘‘(A) I
248	248	N GENERAL.—In any case in which 4
249	249	an appraisal of crop acreage is requested by a 5
250	250	producer or determined to be necessary by the 6
251	251	Secretary for a year in which a notice of loss 7
252	252	is filed under this subsection, particularly in 8
253	253	any case in which a loss adjuster is not avail-9
254	254	able within 72 hours of the notice, the Sec-10
255	255	retary shall permit the following alternatives to 11
256	256	an in-person appraisal by a loss adjuster: 12
257	257	‘‘(i) Remote appraisal, including time- 13
258	258	stamped photographs, drone footage, and 14
259	259	other technology applications. 15
260	260	‘‘(ii) Appraisal by field office staff of 16
261	261	the Agency with requisite training, in con-17
262	262	junction with a remote appraisal under 18
263	263	clause (i). 19
264	264	‘‘(B) T
265	265	RAINING.—The Secretary shall re-20
266	266	quire field office staff to attend noninsured crop 21
267	267	disaster assistance appraisal training for pur-22
268	268	poses of subparagraph (A)(ii).’’; 23
269	269	(4) in subsection (e)(3), by striking ‘‘65 per-24
270	270	cent’’ and inserting ‘‘100 percent’’; 25
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274	274	(5) in subsection (i)(2)— 1
275	275	(A) in subparagraph (A), by striking 2
276	276	‘‘and’’ at the end; 3
277	277	(B) in subparagraph (B), by striking the 4
278	278	period at the end and inserting ‘‘; and’’; and 5
279	279	(C) by adding at the end the following: 6
280	280	‘‘(C) notwithstanding subparagraphs (A) 7
281	281	and (B), in the case of a limited resource, be-8
282	282	ginning, or socially disadvantaged farmer, as 9
283	283	determined by the Secretary, a veteran farmer 10
284	284	or rancher (as defined in section 2501(a) of the 11
285	285	Food, Agriculture, Conservation, and Trade Act 12
286	286	of 1990 (7 U.S.C. 2279(a))), or a producer par-13
287	287	ticipating in the streamlined revenue-based op-14
288	288	tion pursuant to subsection (b)(4)(C), 15
289	289	$600,000.’’; 16
290	290	(6) in subsection (k)(2)— 17
291	291	(A) by striking ‘‘defined by the Secretary, 18
292	292	or a veteran’’ and inserting ‘‘determined by the 19
293	293	Secretary, a veteran’’; and 20
294	294	(B) by inserting ‘‘, or a producer partici-21
295	295	pating in the streamlined revenue-based option 22
296	296	pursuant to subsection (b)(4)(C)’’ before the 23
297	297	period at the end; 24
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301	301	(7) in subsection (l), by striking paragraph (3) 1
302	302	and inserting the following: 2
303	303	‘‘(3) P
304	304	REMIUM DISCOUNT.—The coverage made 3
305	305	available under this subsection shall be available to 4
306	306	limited resource, beginning, or socially disadvan-5
307	307	taged farmers, as determined by the Secretary, vet-6
308	308	eran farmers or ranchers (as defined in section 7
309	309	2501(a) of the Food, Agriculture, Conservation, and 8
310	310	Trade Act of 1990 (7 U.S.C. 2279(a))), and pro-9
311	311	ducers participating in the streamlined revenue- 10
312	312	based option pursuant to subsection (b)(4)(C), in ex-11
313	313	change for a premium that is 25 percent of the pre-12
314	314	mium determined under paragraph (2).’’; and 13
315	315	(8) by adding at the end the following: 14
316	316	‘‘(m) D
317	317	ELIVERY.—The Secretary shall collaborate 15
318	318	with outreach and technical assistance providers, exten-16
319	319	sion offices, and State departments of agriculture to ad-17
320	320	vertise the noninsured crop disaster assistance program 18
321	321	under this section, particularly to limited resource, begin-19
322	322	ning, or socially disadvantaged farmers, as determined by 20
323	323	the Secretary, veteran farmers or ranchers (as defined in 21
324	324	section 2501(a) of the Food, Agriculture, Conservation, 22
325	325	and Trade Act of 1990 (7 U.S.C. 2279(a))), and pro-23
326	326	ducers eligible to participate in the streamlined revenue- 24
327	327	based option pursuant to subsection (b)(4)(C).’’. 25
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331	331	SEC. 3. WHOLE FARM REVENUE PROTECTION. 1
332	332	Section 522(c) of the Federal Crop Insurance Act (7 2
333	333	U.S.C. 1522(c)) is amended— 3
334	334	(1) in paragraph (1)— 4
335	335	(A) in subparagraph (B), by striking 5
336	336	‘‘and’’ at the end; 6
337	337	(B) in subparagraph (C), by striking the 7
338	338	period at the end and inserting ‘‘; and’’; and 8
339	339	(C) by adding at the end the following: 9
340	340	‘‘(D) increase participation by producers— 10
341	341	‘‘(i) marketing direct-to-consumers; 11
342	342	‘‘(ii) marketing through intermediated 12
343	343	sales in local and regional markets; 13
344	344	‘‘(iii) using farm identity-preserved 14
345	345	marketing; or 15
346	346	‘‘(iv) undertaking producer education 16
347	347	on how to use direct market prices.’’; 17
348	348	(2) in paragraph (7)— 18
349	349	(A) in subparagraph (A), by striking ‘‘, 19
350	350	with a liability limitation of $1,500,000,’’; 20
351	351	(B) in subparagraph (B), by inserting ‘‘or 21
352	352	in combination with’’ after ‘‘in lieu of’’; 22
353	353	(C) in subparagraph (C)— 23
354	354	(i) in the matter preceding clause (i), 24
355	355	by striking ‘‘may’’ and inserting ‘‘shall’’; 25
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359	359	(ii) in clause (i), by striking ‘‘or’’ at 1
360	360	the end; 2
361	361	(iii) by redesignating clause (ii) as 3
362	362	clause (iii); and 4
363	363	(iv) by inserting after clause (i) the 5
364	364	following: 6
365	365	‘‘(ii) utilize a resource-conserving crop 7
366	366	rotation (as defined in section 1240L(d)(1) 8
367	367	of the Food Security Act of 1985 (16 9
368	368	U.S.C. 3839aa–24(d)(1))); or’’; 10
369	369	(D) in subparagraph (D), by striking 11
370	370	‘‘may’’ and inserting ‘‘shall’’; 12
371	371	(E) in subparagraph (E)— 13
372	372	(i) in clause (i), in the matter pre-14
373	373	ceding subclause (I), by striking ‘‘18 15
374	374	months after the date of enactment of the 16
375	375	Agriculture Improvement Act of 2018’’ 17
376	376	and inserting ‘‘1 year after the date of the 18
377	377	enactment of the Save Our Small Farms 19
378	378	Act of 2025’’; 20
379	379	(ii) in clause (ii), in the matter pre-21
380	380	ceding subclause (I), by striking ‘‘sub-22
381	381	clause’’ and inserting ‘‘clause’’; and 23
382	382	(iii) by adding at the end the fol-24
383	383	lowing: 25
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387	387	‘‘(iii) ADDITIONAL REVIEW .—Not 1
388	388	later than 1 year after the date of the en-2
389	389	actment of the Save Our Small Farms Act 3
390	390	of 2025, and annually thereafter, the Cor-4
391	391	poration shall— 5
392	392	‘‘(I) review any limitations on in-6
393	393	surable revenue (including the overall 7
394	394	limitation and limitations specific to 8
395	395	animals, animal products, greenhouse 9
396	396	and nursery, and aquaculture) to en-10
397	397	sure the limitations are adequate to 11
398	398	cover the financial risks associated 12
399	399	with the production of high-value agri-13
400	400	cultural products; and 14
401	401	‘‘(II) submit to the Committee on 15
402	402	Agriculture of the House of Rep-16
403	403	resentatives and the Committee on 17
404	404	Agriculture, Nutrition, and Forestry 18
405	405	of the Senate a report that includes a 19
406	406	summary of the most recent review 20
407	407	conducted under subclause (I) and 21
408	408	any expected changes to the policy for 22
409	409	the following reinsurance year. 23
410	410	‘‘(iv) P
411	411	UBLIC REPORT.—Not later 24
412	412	than 18 months after the date of the en-25
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416	416	actment of the Save Our Small Farms Act 1
417	417	of 2025, the Board shall make publicly 2
418	418	available a report describing the decisions 3
419	419	made by the Board with respect to each 4
420	420	factor described in clause (ii).’’; 5
421	421	(F) by redesignating subparagraph (F) as 6
422	422	subparagraph (G); and 7
423	423	(G) by inserting after subparagraph (E) 8
424	424	the following: 9
425	425	‘‘(F) M
426	426	ODIFICATIONS TO IMPROVE EFFEC -10
427	427	TIVENESS FOR SPECIALTY CROPS AND DIVERSI -11
428	428	FIED FARMS.— 12
429	429	‘‘(i) I
430	430	N GENERAL.—Not later than 18 13
431	431	months after the date of the enactment of 14
432	432	the Save Our Small Farms Act of 2025, 15
433	433	the Corporation shall implement the fol-16
434	434	lowing modifications to the plan developed 17
435	435	under subparagraph (A): 18
436	436	‘‘(I) Establish that appropriate 19
437	437	income reported on Internal Revenue 20
438	438	Service Tax Form Schedule F (or a 21
439	439	successor form), shall be sufficient for 22
440	440	the establishment of historical ad-23
441	441	justed revenue, subject to the condi-24
442	442	tion that approved insurance providers 25
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445	445	•HR 2435 IH
446	446	may request additional verifiable 1
447	447	records in cases where there is docu-2
448	448	mented evidence, made clear to the 3
449	449	applicant, that farm tax records are 4
450	450	incomplete. 5
451	451	‘‘(II) Presume that declines in 6
452	452	total market price are due to unavoid-7
453	453	able natural causes, unless the Cor-8
454	454	poration demonstrates the extent to 9
455	455	which the decline in lower market 10
456	456	price is the direct result of an unin-11
457	457	sured manmade event. 12
458	458	‘‘(III) Require that any adjust-13
459	459	ment of the revenue guarantee by an 14
460	460	approved insurance provider, after the 15
461	461	approved insurance provider accepts a 16
462	462	revised farm operation report from 17
463	463	the insured, is contingent on approval 18
464	464	from the Risk Management Agency, 19
465	465	and allow the insured an opportunity 20
466	466	to appeal any denial by the Risk Man-21
467	467	agement Agency of that revenue guar-22
468	468	antee adjustment to the National Ap-23
469	469	peals Division. 24
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473	473	‘‘(IV) With respect to whole farm 1
474	474	revenue protection policies, raise the 2
475	475	limit on growth expansion for all pro-3
476	476	ducers to the lower of— 4
477	477	‘‘(aa) 100 percent of historic 5
478	478	revenue; and 6
479	479	‘‘(bb) $500,000. 7
480	480	‘‘(V) In the case of a rejection of 8
481	481	an application from a producer for a 9
482	482	whole farm insurance plan, the ap-10
483	483	proved insurance provider involved 11
484	484	shall notify the producer of such re-12
485	485	jection, and include in such notifica-13
486	486	tion a written rationale with sufficient 14
487	487	detail for the producer to understand 15
488	488	any deficiencies in the application and 16
489	489	how to cure those deficiencies. 17
490	490	‘‘(VI) Expand the maximum 18
491	491	commodity count eligible for the diver-19
492	492	sification-based premium discount 20
493	493	under subparagraph (C) to apply to 21
494	494	10 commodities produced. The Sec-22
495	495	retary may raise that maximum com-23
496	496	modity count eligible for the diver-24
497	497	sification-based premium discount to 25
498	498	VerDate Sep 11 2014 02:02 Apr 05, 2025 Jkt 059200 PO 00000 Frm 00017 Fmt 6652 Sfmt 6201 E:\BILLS\H2435.IH H2435
499	499	abielarski on DSK125SN23PROD with BILLS 18
500	500	•HR 2435 IH
501	501	include more than 10 commodities if 1
502	502	determined necessary. 2
503	503	‘‘(VII) Moderate the impact of 3
504	504	disaster years, as determined by the 4
505	505	Secretary, on historic revenue by— 5
506	506	‘‘(aa) counting indemnities 6
507	507	as historic revenue for loss years, 7
508	508	including payments made under 8
509	509	the noninsured crop disaster as-9
510	510	sistance program established by 10
511	511	section 196 of the Federal Agri-11
512	512	culture Improvement and Reform 12
513	513	Act of 1996 (7 U.S.C. 7333); or 13
514	514	‘‘(bb) using an assigned 14
515	515	yield floor similar to the limita-15
516	516	tion described in section 16
517	517	508(g)(6)(A)(i), as determined by 17
518	518	the Secretary. 18
519	519	‘‘(VIII) Allow prices and yields 19
520	520	used to establish coverage in other 20
521	521	Federal crop insurance policies to be 21
522	522	used as prices and yields for whole 22
523	523	farm revenue protection policies. 23
524	524	‘‘(IX) Establish a process for 24
525	525	records and acreage reports submitted 25
526	526	VerDate Sep 11 2014 02:02 Apr 05, 2025 Jkt 059200 PO 00000 Frm 00018 Fmt 6652 Sfmt 6201 E:\BILLS\H2435.IH H2435
527	527	abielarski on DSK125SN23PROD with BILLS 19
528	528	•HR 2435 IH
529	529	by producers for the noninsured crop 1
530	530	disaster assistance program estab-2
531	531	lished by section 196 of the Federal 3
532	532	Agriculture Improvement and Reform 4
533	533	Act of 1996 (7 U.S.C. 7333) to be ac-5
534	534	cepted as documentation for the req-6
535	535	uisite actual production history for 7
536	536	whole farm revenue protection poli-8
537	537	cies. 9
538	538	‘‘(X) Increase agent incentives to 10
539	539	market whole farm revenue protection 11
540	540	by— 12
541	541	‘‘(aa) providing annual addi-13
542	542	tional administrative and oper-14
543	543	ating subsidies, at a rate deter-15
544	544	mined by the Secretary, to ap-16
545	545	proved insurance providers for 17
546	546	any new whole farm revenue poli-18
547	547	cies written in a given year; and 19
548	548	‘‘(bb) with respect to a 20
549	549	whole farm revenue protection 21
550	550	policy, requiring approved insur-22
551	551	ance providers to pay to the 23
552	552	agent who sold that policy an 24
553	553	amount equal to the total admin-25
554	554	VerDate Sep 11 2014 02:02 Apr 05, 2025 Jkt 059200 PO 00000 Frm 00019 Fmt 6652 Sfmt 6201 E:\BILLS\H2435.IH H2435
555	555	abielarski on DSK125SN23PROD with BILLS 20
556	556	•HR 2435 IH
557	557	istrative and operating subsidy 1
558	558	earned on that policy. 2
559	559	‘‘(XI) Require approved insur-3
560	560	ance providers to accept or reject ap-4
561	561	plications, by written decision, within 5
562	562	75 days of receipt of the application, 6
563	563	with failure resulting in a reduction 7
564	564	by 15 percent of the amount of the 8
565	565	administrative and operating subsidy 9
566	566	that the approved insurance provider 10
567	567	receives from the Corporation for that 11
568	568	policy. 12
569	569	‘‘(ii) A
570	570	DMINISTRATIVE IMPROVE -13
571	571	MENTS.—Not later than 18 months after 14
572	572	the date of the enactment of the Save Our 15
573	573	Small Farms Act of 2025, for purposes of 16
574	574	improving the plan developed under sub-17
575	575	paragraph (A), the Corporation shall carry 18
576	576	out the following activities: 19
577	577	‘‘(I) Create and maintain a web- 20
578	578	accessible tool for producers to locate 21
579	579	agents experienced in selling a whole 22
580	580	farm revenue protection policy. 23
581	581	‘‘(II) Provide additional edu-24
582	582	cational and training opportunities to 25
583	583	VerDate Sep 11 2014 02:02 Apr 05, 2025 Jkt 059200 PO 00000 Frm 00020 Fmt 6652 Sfmt 6201 E:\BILLS\H2435.IH H2435
584	584	abielarski on DSK125SN23PROD with BILLS 21
585	585	•HR 2435 IH
586	586	approved insurance providers and in-1
587	587	surance agents, which may include en-2
588	588	tering into agreements with 1 or more 3
589	589	entities— 4
590	590	‘‘(aa) to provide technical 5
591	591	assistance to interested pro-6
592	592	ducers; 7
593	593	‘‘(bb) to conduct education 8
594	594	and outreach to agents and in-9
595	595	surance providers; and 10
596	596	‘‘(cc) to develop best prac-11
597	597	tices for underwriting. 12
598	598	‘‘(III) Conduct a pilot program 13
599	599	to create a pricing library for agents 14
600	600	and insurance providers, also acces-15
601	601	sible to the public and entities that 16
602	602	provide technical assistance to farm-17
603	603	ers using data from— 18
604	604	‘‘(aa) the Agricultural Mar-19
605	605	keting Service; 20
606	606	‘‘(bb) the noninsured crop 21
607	607	disaster assistance program es-22
608	608	tablished by section 196 of the 23
609	609	Federal Agriculture Improvement 24
610	610	VerDate Sep 11 2014 02:02 Apr 05, 2025 Jkt 059200 PO 00000 Frm 00021 Fmt 6652 Sfmt 6201 E:\BILLS\H2435.IH H2435
611	611	abielarski on DSK125SN23PROD with BILLS 22
612	612	•HR 2435 IH
613	613	and Reform Act of 1996 (7 1
614	614	U.S.C. 7333); 2
615	615	‘‘(cc) approved policies of 3
616	616	the Board; 4
617	617	‘‘(dd) land-grant colleges or 5
618	618	universities and other institutions 6
619	619	of higher education; 7
620	620	‘‘(ee) grower boards or com-8
621	621	missions; and 9
622	622	‘‘(ff) other relevant sources, 10
623	623	as determined by the Secretary. 11
624	624	‘‘(iii) A
625	625	VAILABILITY OF PRICING LI -12
626	626	BRARY.—The Risk Management Agency 13
627	627	may, as determined by the Secretary, offer 14
628	628	the pricing library described in item (aa) 15
629	629	to agents and insurance providers in con-16
630	630	nection with policies other than policies de-17
631	631	veloped under subparagraph (A). 18
632	632	‘‘(iv) P
633	633	UBLIC REPORT.—Not later 19
634	634	than 18 months after the date of the en-20
635	635	actment of the Save Our Small Farms Act 21
636	636	of 2025, the Board shall make publicly 22
637	637	available a report describing the decisions 23
638	638	made by the Board with respect to each 24
639	639	VerDate Sep 11 2014 02:02 Apr 05, 2025 Jkt 059200 PO 00000 Frm 00022 Fmt 6652 Sfmt 6201 E:\BILLS\H2435.IH H2435
640	640	abielarski on DSK125SN23PROD with BILLS 23
641	641	•HR 2435 IH
642	642	modification described in clauses (i) and 1
643	643	(ii).’’; and 2
644	644	(3) in paragraph (18), by adding at the end the 3
645	645	following: 4
646	646	‘‘(D) C
647	647	ONTINUATION OF PLAN .—The Ad-5
648	648	ministrator of the Risk Management Agency 6
649	649	shall continue to offer the micro farm insurance 7
650	650	plan offered pursuant to subparagraph (A)(ii) 8
651	651	in all States and counties of the United States. 9
652	652	‘‘(E) M
653	653	ODIFICATIONS TO IMPROVE EFFEC -10
654	654	TIVENESS FOR MICRO FARMS .—Not later than 11
655	655	180 days after the date of the enactment of the 12
656	656	Save Our Small Farms Act of 2025, the Cor-13
657	657	poration shall implement the following modifica-14
658	658	tions to the micro farm insurance plan offered 15
659	659	pursuant to subparagraph (A)(ii): 16
660	660	‘‘(i) Allow vertically integrated oper-17
661	661	ations to access coverage under a micro 18
662	662	farm policy. 19
663	663	‘‘(ii) Allow producers with a micro 20
664	664	farm policy to also purchase crop-specific 21
665	665	Federal crop insurance policies for crops 22
666	666	insured under the micro farm policy. 23
667	667	‘‘(iii) Expand the maximum approved 24
668	668	revenue to establish eligibility for a micro 25
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670	670	abielarski on DSK125SN23PROD with BILLS 24
671	671	•HR 2435 IH
672	672	farm plan of insurance to $1,000,000 or 1
673	673	more, as determined by the Secretary.’’. 2
674	674	SEC. 4. SINGLE INDEX INSURANCE POLICY. 3
675	675	(a) I
676	676	NGENERAL.—Section 522(c) of the Federal 4
677	677	Crop Insurance Act (7 U.S.C. 1522(c)), as amended by 5
678	678	section 3, is further amended by adding at the end the 6
679	679	following: 7
680	680	‘‘(20) S
681	681	INGLE INDEX INSURANCE POLICY .— 8
682	682	‘‘(A) D
683	683	EFINITIONS.—In this paragraph: 9
684	684	‘‘(i) C
685	685	OVERED CROP OR COM -10
686	686	MODITY.—The term ‘covered crop or com-11
687	687	modity’ means any crop or commodity (in-12
688	688	cluding a specialty crop) on a farm except 13
689	689	timber, forest products, animals for sport 14
690	690	or show, and pets. 15
691	691	‘‘(ii) C
692	692	OVERED POLICY.—The term 16
693	693	‘covered policy’ means the single index in-17
694	694	surance policy described in subparagraph 18
695	695	(B)(i). 19
696	696	‘‘(iii) C
697	697	OVERED WEATHER CONDI -20
698	698	TION.— 21
699	699	‘‘(I) I
700	700	N GENERAL.—The term 22
701	701	‘covered weather condition’ means any 23
702	702	of the following weather conditions 24
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704	704	abielarski on DSK125SN23PROD with BILLS 25
705	705	•HR 2435 IH
706	706	that are found to be closely correlated 1
707	707	with agricultural income losses: 2
708	708	‘‘(aa) High winds. 3
709	709	‘‘(bb) Excessive moisture 4
710	710	and flooding. 5
711	711	‘‘(cc) Extreme heat. 6
712	712	‘‘(dd) Abnormal freeze con-7
713	713	ditions. 8
714	714	‘‘(ee) Wildfire. 9
715	715	‘‘(ff) Hail. 10
716	716	‘‘(gg) Drought. 11
717	717	‘‘(hh) Any other severe 12
718	718	weather or growing conditions 13
719	719	applicable to small-scale farmers, 14
720	720	as determined by the Secretary. 15
721	721	‘‘(II) D
722	722	ATA.—The existence of a 16
723	723	weather condition described in sub-17
724	724	clause (I) shall be determined by indi-18
725	725	ces that prioritize using data from the 19
726	726	National Oceanic and Atmospheric 20
727	727	Administration, as available, but may 21
728	728	use other federally or State certified 22
729	729	weather data sources, public and pri-23
730	730	vate satellite data, and weather and 24
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732	732	abielarski on DSK125SN23PROD with BILLS 26
733	733	•HR 2435 IH
734	734	climate data and models, if necessary, 1
735	735	as determined by the Secretary. 2
736	736	‘‘(B) P
737	737	OLICY.— 3
738	738	‘‘(i) I
739	739	N GENERAL.—The Corporation 4
740	740	shall carry out research and development, 5
741	741	or offer to enter into 1 or more contracts 6
742	742	with 1 or more qualified persons to carry 7
743	743	out research and development, to develop a 8
744	744	single index policy to insure against agri-9
745	745	cultural income losses due to 1 or more 10
746	746	covered weather conditions. 11
747	747	‘‘(ii) C
748	748	OVERAGE.—Research and de-12
749	749	velopment on the covered policy under 13
750	750	clause (i) shall require that coverage is 14
751	751	available in all 50 States (including Indian 15
752	752	Tribes), the District of Columbia, Amer-16
753	753	ican Samoa, Guam, the Commonwealth of 17
754	754	the Northern Mariana Islands, the Com-18
755	755	monwealth of Puerto Rico, and the Virgin 19
756	756	Islands of the United States. 20
757	757	‘‘(iii) O
758	758	PTION TO BUY-UP OR BUY- 21
759	759	DOWN.— 22
760	760	‘‘(I) I
761	761	N GENERAL.—Research and 23
762	762	development on the covered policy 24
763	763	under clause (i) shall consider permit-25
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765	765	abielarski on DSK125SN23PROD with BILLS 27
766	766	•HR 2435 IH
767	767	ting a holder of the covered policy to 1
768	768	elect to buy-up to 150 percent, subject 2
769	769	to subclause (II), or buy-down to 5 3
770	770	percent, of the median county-level 4
771	771	adjusted gross income for farms, in 5- 5
772	772	percent increments, to reflect the in-6
773	773	come of the individual farm business 7
774	774	of the holder insured under the cov-8
775	775	ered policy. 9
776	776	‘‘(II) L
777	777	IMITATION.—A holder of 10
778	778	a covered policy may buy-up under 11
779	779	subclause (I) only if the farms of the 12
780	780	holder insured under the covered pol-13
781	781	icy have at least 3 covered crops or 14
782	782	commodities. 15
783	783	‘‘(iv) P
784	784	RIORITY FEATURES OF POL -16
785	785	ICY.—In carrying out research and devel-17
786	786	opment on the covered policy under clause 18
787	787	(i), the following features may be given 19
788	788	priority: 20
789	789	‘‘(I) Agricultural income losses 21
790	790	under the covered policy include— 22
791	791	‘‘(aa) losses for all covered 23
792	792	crops or commodities; and 24
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795	795	•HR 2435 IH
796	796	‘‘(bb) losses to the value of 1
797	797	packing, packaging, or any other 2
798	798	similar on-farm activity that the 3
799	799	Corporation determines necessary 4
800	800	to remove a covered crop or com-5
801	801	modity from the field. 6
802	802	‘‘(II) Payments are made under 7
803	803	the covered policy not later than 30 8
804	804	days after the occurrence of a covered 9
805	805	weather condition in the county in 10
806	806	which the applicable farm of the farm-11
807	807	er is located or an adjacent county. 12
808	808	‘‘(III) Provision of seasonal cov-13
809	809	erage periods. 14
810	810	‘‘(IV) Provision of special consid-15
811	811	eration to concerns facing individual 16
812	812	farm businesses— 17
813	813	‘‘(aa) that have less than 18
814	814	$350,000 in adjusted gross in-19
815	815	come; and 20
816	816	‘‘(bb) with respect to which 21
817	817	a farmer is an underserved pro-22
818	818	ducer (as defined in section 23
819	819	508(a)(7)(A)). 24
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821	821	abielarski on DSK125SN23PROD with BILLS 29
822	822	•HR 2435 IH
823	823	‘‘(V) Paperwork requirements are 1
824	824	reduced for farmers seeking to obtain 2
825	825	a covered policy. 3
826	826	‘‘(v) C
827	827	ONSULTATION.—In carrying out 4
828	828	research and development on the covered 5
829	829	policy under clause (i), the Corporation— 6
830	830	‘‘(I) shall hold stakeholder meet-7
831	831	ings to solicit producer and agent 8
832	832	feedback; and 9
833	833	‘‘(II) may consult with licensed 10
834	834	actuaries with experience developing 11
835	835	index policies insuring agricultural 12
836	836	production. 13
837	837	‘‘(C) R
838	838	EPORT.—Not later than 1 year 14
839	839	after the date of the enactment of this para-15
840	840	graph, the Corporation shall make publicly 16
841	841	available a report that describes— 17
842	842	‘‘(i) the results of the research and 18
843	843	development carried out under this para-19
844	844	graph; and 20
845	845	‘‘(ii) recommendations to Congress 21
846	846	with respect to those results, including— 22
847	847	‘‘(I) any challenges to developing 23
848	848	the covered policy; and 24
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850	850	abielarski on DSK125SN23PROD with BILLS 30
851	851	•HR 2435 IH
852	852	‘‘(II) options to address those 1
853	853	challenges.’’. 2
854	854	(b) T
855	855	ECHNICALAMENDMENT.—Section 531(a)(18) 3
856	856	of the Federal Crop Insurance Act (7 U.S.C. 1531(a)(18)) 4
857	857	is amended by striking ‘‘section 2501(e) of the Food, Agri-5
858	858	culture, Conservation, and Trade Act of 1990 (7 U.S.C. 6
859	859	2279(e))’’ and inserting ‘‘section 2501(a) of the Food, Ag-7
860	860	riculture, Conservation, and Trade Act of 1990 (7 U.S.C. 8
861	861	2279(a)).’’. 9
862	862	Æ
863	863	VerDate Sep 11 2014 02:02 Apr 05, 2025 Jkt 059200 PO 00000 Frm 00030 Fmt 6652 Sfmt 6301 E:\BILLS\H2435.IH H2435
864	864	abielarski on DSK125SN23PROD with BILLS