Save Our Small Farms Act of 2025

Financial Assistance for Noninsured Crops: The bill aims to assist farmers by lowering the cost of purchasing coverage, reducing paperwork, and increasing payouts under the noninsured crop disaster assistance program (Section 2).

Premium Discounts for Transitioning Farmers: Farmers can receive premium discounts of 25 percent, 50 percent, or more when they commit to transitioning from the noninsured crop disaster assistance program to a whole farm plan (Section 2).

Streamlined Application Processes: The Secretary is tasked with creating a streamlined process for submitting records and acreage reports, specifically benefiting diverse, small-scale, and direct-to-consumer production systems (Section 2).

Easier Revenue Verification: The bill allows the use of Internal Revenue Service Tax Form Schedule F as sufficient documentation to establish historical adjusted revenue (Section 2).

Flexible Loss Reporting for Perishable Crops: Producers of hand-harvested or rapidly deteriorating crops may submit loss notifications up to 120 hours after the loss to remain eligible for assistance (Section 2).

Modernized Loss Appraisals: The bill allows for remote appraisals using technology like drones or time-stamped photographs, which can be helpful when a loss adjuster is not immediately available (Section 2).

Support for Micro Farms: The bill includes modifications to the micro farm insurance plan, such as allowing vertically integrated operations to access coverage and expanding eligibility for approved revenue (Section 3).

New Weather-Based Insurance Options: The bill directs research and development for a single index insurance policy designed to protect against agricultural income losses caused by weather conditions like heat, drought, or wildfire (Section 4).

Conditional Premium Discounts: The premium discounts offered to help farmers transition to a whole farm plan are subject to specific requirements, such as providing revenue history and certifying a timely transition (Section 2).

Potential for Additional Record Requests: While the bill accepts tax forms for revenue establishment, insurance providers may still request additional verifiable records if there is documented evidence that farm tax records are incomplete (Section 2).

Requirement for Mandatory Review: The Corporation is required to perform annual reviews of limitations on insurable revenue to ensure they cover risks, which involves a formal reporting process (Section 3).