When heavy rains swept through this village in northern Bihar in August and last month, so much floodwater covered farmers’ fields that it was difficult to tell one plot of land from another.
“After the flood, when we went out to see the land there was nothing there,” said Babu Ram Rai, one Madhurpatti farmer.
Rai and his neighbors — who farm a floodplain crisscrossed by rivers — are no strangers to flooding.
Photo: AFP
But as climate change brings intensifying rainfall in South Asia, the floods are worsening and so is their destructive potential. In August and last month, the heaviest rains in several years in Bihar killed 514 people and affected 17 million more, according to Bihar’s state disaster management authority.
Insurance policies for farmers could play a role in stemming the losses, experts say. But getting insurance right in India — from how fast help is delivered to how closely payouts match actual losses — has proved tricky.
Now, however, a new flood insurance effort being tried in six villages in Bihar aims to bring greater accuracy and speed to assessing and compensating crop damage from flooding.
The pilot project, backed by the Sri Lanka-based International Water Management Institute (IWMI), will insure 200 farmers for up to 5 million rupees (US$78,000) in losses in total, with payouts made within a couple of months of a disaster.
“What we’re trying to do is ... expedite the entire thing,” said Alok Sikka, IWMI’s representative in India.
GROWING RISKS
Between 2006 and 2015, the number of floods around the world increased but flood deaths dipped, particularly because of efforts to better prepare for such disasters in countries such as Bangladesh and China, according to the United Nations Office for Disaster Risk Reduction (UNISDR).
In India, however, flood deaths increased over the same decade, with 90 floods killing 15,860 people, compared to 13,660 deaths from 67 floods in the previous decade, according to UNISDR data.
In South Asia, floods have cost countries approximately US$95 billion over the last 30 years. The economic damage has been particularly devastating for farmers in the region.
Small-scale farmers represent close to 60 percent of the estimated 90 million rural households in India. A third of the country’s farmers own less than half a hectare of land, or about one acre, according to government surveys.
In normal years, these farmers can earn enough to feed their families and replant for the following season. But their thin margins makes them especially vulnerable to any kind of accident or disaster.
Buying flood insurance is one way to cut the risks. But problems ranging from inaccurate damage assessments to delays in payments have plagued India’s existing agricultural insurance efforts.
For example, research by the New Delhi-based Center for Science and Environment found that information on crop damage often comes from local officials who file reports based on conversations or brief looks at affected areas, because they are unable to visit every farm.
“Sometimes there is a lack of resources... there are a lot of problems,” said Vineet Kumar, a climate change program officer at the research institute.
At times government estimates of crop damage after a flood “don’t actually match the actual situation,” he said.
It’s not for lack of trying. The government has almost continually revised and updated insurance schemes since launching them in 1985.
In Bihar, for example, the Indian government’s 2016 Pradhan Mantri Fasal Bima Yojna — the latest agricultural insurance effort — gives farmers payouts when certain weather triggers, such as rainfall levels, are reached.
But the scheme does not always capture the true extent of flood damage, experts say.
“If you go by the weather-based insurance, it says there is average rainfall,” even when the farmer’s fields are actually flooded, said Giriraj Amarnath, the lead scientist on the new IWMI insurance effort.
SATELLITE DATA
Under the new insurance program being carried out in collaboration with Bihar’s government and private partners, including the Agricultural Insurance Company of India, expected damage to fields will be verified using satellite data and on-the-ground visits.
The duration of a flood, and its depth, will then be compared to historical data and used to calculate a threshold for crop losses. If that threshold is passed, a farmer will receive compensation, Amarnath said.
One of the biggest problems facing flood-hit farmers is that help — usually from government relief efforts — rarely comes fast enough to suit farmers, said Anil Sinha, a former vice chair of the Bihar State Disaster Management Authority who spent more than 30 years working as an Indian government administrator.
Usually, after a flood, a team from the state and central government makes field visits to assess the damage. They then submit reports that go through a number of committees before the government approves the release of a payout.
“By the time they come back, make the assessment, then that goes up to a cabinet subcommittee headed by the agricultural minister and finance minister … a lot of time has passed,” he said.
Pushing some of that relief money into insurance could help, Amarnath believes.
Right now, “the government only spends post-flood, never pre-flood,” he said.
STILL SKEPTICAL
Rai, the Madhurpatti farmer, said that in 2009 he paid an insurance premium of 600 rupees (US$10) and received a payout of 18,000 rupees (US$300) after losing the crop to floods.
But the money came only the following year, he said — and he needed 50,000 rupees (US$770) per hectare to plant again, including the cost of irrigating the land with diesel pumps.
Farmers also can come to resent paying for insurance each year if they don’t suffer losses.
“I’ve registered for insurance three or four times,” Rai noted. “But I only received a payout once.”
The IWMI pilot project, which began in 2015, will make payouts for damage from August and last month’s flooding in November, Amarnath said.
If the effort proves a success, partners hope to expand it and offer coverage to a million farmers in Bihar by 2025, said Amarnath of IWMI.
His team also plans to run a similar pilot effort in Bangladesh, just across India’s eastern border, where farmers also face annual floods.
For now, however, some insured farmers remain skeptical of the new effort will bring real changes.
“We have to see ... how much it will actually benefit us,” Rai said.
In late October of 1873 the government of Japan decided against sending a military expedition to Korea to force that nation to open trade relations. Across the government supporters of the expedition resigned immediately. The spectacle of revolt by disaffected samurai began to loom over Japanese politics. In January of 1874 disaffected samurai attacked a senior minister in Tokyo. A month later, a group of pro-Korea expedition and anti-foreign elements from Saga prefecture in Kyushu revolted, driven in part by high food prices stemming from poor harvests. Their leader, according to Edward Drea’s classic Japan’s Imperial Army, was a samurai
The following three paragraphs are just some of what the local Chinese-language press is reporting on breathlessly and following every twist and turn with the eagerness of a soap opera fan. For many English-language readers, it probably comes across as incomprehensibly opaque, so bear with me briefly dear reader: To the surprise of many, former pop singer and Democratic Progressive Party (DPP) ex-lawmaker Yu Tien (余天) of the Taiwan Normal Country Promotion Association (TNCPA) at the last minute dropped out of the running for committee chair of the DPP’s New Taipei City chapter, paving the way for DPP legislator Su
It’s hard to know where to begin with Mark Tovell’s Taiwan: Roads Above the Clouds. Having published a travelogue myself, as well as having contributed to several guidebooks, at first glance Tovell’s book appears to inhabit a middle ground — the kind of hard-to-sell nowheresville publishers detest. Leaf through the pages and you’ll find them suffuse with the purple prose best associated with travel literature: “When the sun is low on a warm, clear morning, and with the heat already rising, we stand at the riverside bike path leading south from Sanxia’s old cobble streets.” Hardly the stuff of your
Located down a sideroad in old Wanhua District (萬華區), Waley Art (水谷藝術) has an established reputation for curating some of the more provocative indie art exhibitions in Taipei. And this month is no exception. Beyond the innocuous facade of a shophouse, the full three stories of the gallery space (including the basement) have been taken over by photographs, installation videos and abstract images courtesy of two creatives who hail from the opposite ends of the earth, Taiwan’s Hsu Yi-ting (許懿婷) and Germany’s Benjamin Janzen. “In 2019, I had an art residency in Europe,” Hsu says. “I met Benjamin in the lobby