How Farmers Can Build Better Risk Protection Heading Into 2026
In this episode of the Farm4Profit Podcast, we’re joined by Ken Ripley, AVP of Regional Sales for FMH’s Northwest region and a southern Minnesota farmer himself. Ken brings decades of experience from both John Deere and the crop insurance world, helping producers understand how to build smarter, more intentional protection strategies in a rapidly changing ag economy.
With tighter margins, increased volatility, and multiple policy updates rolling into 2026, this conversation helps farmers step back, see the big picture, and make informed decisions that protect long-term profitability.
What We Cover in This Episode
Ken breaks down the current ag financial environment — from input cost pressure to market uncertainty — and why risk management matters more now than it has in years.
We explain how crop insurance, FSA programs, and disaster relief interact — and why understanding how they stack together can prevent missed opportunities.
Ken walks through what’s changed under new USDA and RMA leadership and how those changes may affect coverage options, reporting, and future program flexibility.
📊 ARC, PLC & Coverage Updates
Key updates include:
ARC and PLC considerations
Base acre decisions
Reference price implications
Increased flexibility around SCO and related programs
📍 Area-Based Coverage Expansion
We dive into newer and expanded tools like:
ECO (Enhanced Coverage Option)
SCO (Supplemental Coverage Option)
MCO (Margin Coverage Option)
…and when they may (or may not) make sense on your operation.
🚜 Beginning Farmer & Disaster Programs
Ken highlights:
Enhancements to the Beginning Farmer/Rancher program
SDRP Phase 2 disaster relief
The new Farmer Bridge Assistance (FBA) program
From acreage reporting to claims and audits, Ken explains why precision ag data is becoming critical — and how poor documentation can create unnecessary risk.
Key Takeaway for Farmers
You don’t have to understand every program detail to make good decisions — but you do need a strategy. Ken emphasizes why working closely with a trusted crop insurance agent can help farmers avoid overwhelm, reduce blind spots, and build coverage that actually aligns with their operation.
If you’re planning ahead for 2026, this episode provides clarity, context, and confidence.
🎧 Listen to the Episode
Available wherever you get your podcasts — including Apple Podcasts and YouTube.
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