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Rising Temperatures Across the West Push Up Crop Insurance Costs

Rising Temperatures Across the West Push Up Crop Insurance Costs

 By Alice Fordham

Across the West, farmers are trying to adapt to weather patterns that are changing rapidly.

“When I'm expecting drought, I don't see drought,” said Tiana Suazo, who runs the Red Willow Center farm in Taos Pueblo. “When I'm expecting rain, I don't see rain.”

The challenges she is facing are making farming more expensive, both for farmers and for the taxpayer whose money subsidizes increased insurance indemnity as more crops are lost to rising heat.

A new study by the nonprofit the Environmental Working group found that across six Western states (Arizona, California, Colorado, Nevada, New Mexico and Utah) average temperatures rose in 212 of 216 counties between 2001 and 2021.

Heat, along with drought and failure of irrigation, cost about $4 billion in insurance indemnities over the 20-year period studied. And heat-related crop insurance payouts went up in most agricultural counties.

Many of those payouts and insurance premiums are subsidized by the government. The report found that federal payments for heat-related losses to these counties during the period studied totaled $1.32 billion.

The report’s authors call for a refocusing of government support away from subsidies and toward more sustainable and adaptive farming techniques.

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Women in Agriculture 2025: Words From Women

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Back for its fifth year, our Women in Agriculture campaign is returning — and this year, in honour of our 20th anniversary and Women’s History Month, we’re spotlighting “Words from Women”, featuring insights and inspiration from all of our past participants.

Through this campaign, we celebrate the resilience, innovation, and leadership of women who are shaping the future of Ontario’s agricultural sector, from local food producers to environmental stewards across the Greenbelt.

We’re proud to continue uplifting women who are strengthening Ontario’s local food systems and inspiring the next generation of agricultural leaders.