WEATHER Act of 2025

This bill creates a new federal crop insurance policy to help farmers recover from income losses caused by severe weather. It directly affects farmers growing covered crops (excluding timber, pets, or animals for show) across all 50 states and territories by offering a single index policy tied to specific weather events like drought, flooding, extreme heat, or wildfires. Key features include flexible coverage options (allowing farmers to "buy-up" to 150% or "buy-down" to 5% of median county income in 5% increments), 30-day payment timelines after weather events, and reduced paperwork. The policy prioritizes support for small-scale farms, underserved producers, and those with under $350,000 in income, with a report required within one year to guide future implementation.