Farmers have always dealt with bad years.
What is new is that the pattern itself has become .
A built over generations assumes the rain arrives in a window.
When that window moves by three weeks, the whole plan fails.
Planting early risks a ; planting late risks the harvest in a storm.
removes part of the risk and creates a bill.
Where is pumped faster than it refills, the fix is temporary.
Insurance would spread the risk if the products existed at the right size.
Most schemes are written for large , not for two hectares.
based on measured rainfall rather than inspected damage work better at small scale.
No claim visit is needed, so the cost of administering it falls.
The remaining problem is basis risk: it may rain nearby and not on your field.