hold on there's just too much going on in Congress lmao...
Directs research on cold weather crop insurance.
Sen. Moody (R-FL)
Introduced, referred to committee.
The bill orders the Federal Crop Insurance Corporation to research and develop an index-based insurance policy that pays automatically when temperatures hit a certain low, covering crops like tomatoes, peppers, and citrus. Sponsor Sen. Moody serves on the Agriculture Committee. The bill is in early stage; no hearings scheduled yet.
Introduced Feb 11, 2026
This bill has been introduced in its chamber of Congress. It has been assigned a bill number and referred to a committee for review. Most bills never advance past this stage. The committee may hold hearings, gather expert testimony, and amend the bill before deciding whether to send it to the full chamber for a vote.
The bill only funds research; actual insurance products would come later. If developed, farmers wouldn't need to file claims—payouts trigger automatically based on temperature readings. This could lower financial risk for growers of frost-sensitive crops, potentially reducing price spikes after cold snaps. However, the research cost is paid by the federal crop insurance program, which is subsidized by taxpayers.
Supporters Say
Supporters say it helps farmers manage unpredictable frost damage without the hassle of filing claims.
Critics Say
Critics worry it could lead to high costs and payouts even when individual farms aren't harmed.
Farm groups back the bill as a modern risk management tool. Some fiscal conservatives question whether indexing might overpay, since a regional temperature trigger may not reflect actual farm losses. Environmentalists note that climate change increases frost volatility, making such insurance more relevant.