Save Our Small Farms Act of 2025

This bill makes crop loss coverage easier and more affordable, especially for small and diverse farms. It cuts paperwork and costs in the Noninsured Crop Disaster Assistance Program (NAP), raises payments, and gives farmers a clear, step-by-step path to Whole Farm Revenue Protection when they’re ready to move up.

• Who is affected: Small-scale, diverse, and direct-to-consumer farms, along with limited-resource, beginning, socially disadvantaged, and veteran farmers .
• NAP changes: Simpler, revenue-based coverage that accepts IRS Schedule F and allows fewer and later acreage reports; premium discounts if you commit to transition to whole-farm insurance; more time to report losses for perishable crops; remote damage checks (like photos or drones) when adjusters aren’t available; raises a key payment rate from 65% to 100%; lifts the payment limit to $600,000 for qualifying farmers; and expands outreach to underserved producers .
• Whole-farm insurance improvements: Easier records (accepts tax forms), fairer treatment of disaster years, a higher growth cap (up to the lower of 100% of historic revenue or $500,000), faster application decisions (within 75 days), stronger support for micro farms (available nationwide, higher revenue limit around $1,000,000, and ability to pair with crop-specific policies), plus new tools and training for agents and a focus on direct-market farms .
• New weather-index insurance: Tests a simple policy that pays quickly when severe weather (like drought, heat, hail, floods, freeze, wildfire, or high winds) hits your area. It would use NOAA and other trusted data, be available nationwide and in territories, allow buy-up or buy-down coverage in small steps, reduce paperwork, and give special attention to smaller and underserved farms .
• When: Some steps happen soon after the law takes effect—rules within 90 days; micro farm updates within 180 days; most whole-farm upgrades and tools within 18 months; and a public report on the new weather-index policy within 1 year .