**Executive Summary**
This document presents the Indian government's response to Lok Sabha Unstarred Question No. 326 regarding relief measures for farmers affected by floods, to be answered on December 2nd, 2025. It outlines the roles of both State and Central Governments in disaster management and details the Pradhan Mantri Fasal Bima Yojana (PMFBY) scheme. It includes an annexure of damages reported by States/UTs due to hydro-meteorological disasters during the year 2025-26 (as on 27.11.2025).
**Key Points / Main Content**
* **Disaster Management Responsibility:**
* State Governments have primary responsibility for disaster management, including relief assistance, utilizing the State Disaster Response Fund (SDRF).
* The Central Government supplements State efforts with logistics and financial support from the National Disaster Response Fund (NDRF) in cases of severe disasters, based on an Inter-Ministerial Central Team (IMCT) assessment.
* **Flood Impact Assessment:**
* 11 Inter-Ministerial Central Teams (IMCTs) were constituted for on-the-spot damage assessments in several states/UTs.
* IMCT reports are considered by the Central Government following established procedures.
* **Pradhan Mantri Fasal Bima Yojana (PMFBY):**
* The scheme provides comprehensive risk coverage for crops against non-preventable natural risks, from pre-sowing to post-harvest, at minimum premium for farmers.
* Admissible claims are directly paid to farmers' accounts via the DigiClaim module on the National Crop Insurance Portal (NCIP), based on yield data furnished by State Governments.
* Farmers do not need to intimate crop loss; claims are area-based.
* Actuarial/bidded premium is charged by insurance companies; however, farmers pay lower premiums (2% for Kharif, 1.5% for Rabi, 5% for commercial/horticultural crops).
* Premiums are shared between the Central and State Governments (90:10 ratio for North Eastern States).
* Losses from localized risks are calculated on an individual insured farm basis, requiring farmers to notify the insurance company or relevant authorities.
* The scheme is voluntary for States and farmers. The Govt. of Bihar is not implementing this scheme.
* **Annexure-I**:
* Details the number of Human Lives Lost, Cattle Lost, Houses/huts damaged and the Cropped Area (in lakh ha.) affected.
**Impact Analysis**
* **State Governments**
**Impact**
* Responsible for implementing initial relief measures using the SDRF.
* Provide yield data to insurance companies for claim calculations under PMFBY.
* Required to inform relevant parties about individual losses due to localized risks.
**Action Required**
* Undertake relief measures for flood-affected farmers.
* Provide accurate yield data to insurance companies.
* Inform insurance companies, financial institutions, banks, and online portals of farmer losses.
* **Central Government**
**Impact**
* Supplements State efforts with logistical and financial support, including NDRF funds.
* Considers reports from IMCTs for disaster assessment.
* Shares premium subsidies under PMFBY.
**Action Required**
* Provide necessary support to States.
* Consider IMCT reports.
* Ensure timely disbursement of funds under PMFBY.
* **Farmers**
**Impact**
* Benefit from risk coverage under PMFBY with minimal premium payments.
* Receive direct claim payments for insured crops.
* Required to intimate loss in case of localized risk
**Action Required**
* In cases of localized losses, intimate the insurance company, State Government, financial institutions/banks, online on National Crop Insurance Portal (NCIP) or PMFBY app etc.
Key Entities Referenced
Pradhan Mantri Fasal Bima Yojana (PMFBY): A crop insurance scheme providing financial compensation to farmers affected by natural calamities.
State Disaster Response Fund (SDRF): A fund available to State Governments for immediate relief measures in the wake of natural calamities.
National Disaster Response Fund (NDRF): A fund used to supplement state government efforts during disasters of 'severe nature'.
Ministry of Agriculture and Farmers Welfare: The ministry responsible for policies related to agriculture and farmers' welfare; answering body for the parliamentary question.
National Policy on Disaster Management (NPDM): The overarching policy framework that outlines the roles and responsibilities for disaster management.
GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
UNSTARRED QUESTION NO. 326
TO BE ANSWERED ON THE 02ND DECEMBER, 2025
RELIEF MEASURES FOR FARMERS AFFECTED BY FLOODS
326. DR. MOHAMMAD JAWED:
Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ(cid:874)ष एवं (cid:873)कसान क(cid:227)याण म(cid:287)ं ी
be pleased to state:
(a) whether the Government is aware of the large-scale destruction of crops due to the
recent floods across several States, including Bihar, if so, the details thereof;
(b) whether the Government has conducted any survey or assessment of the losses
incurred by the farming communities in these flood-affected States;
(c) if so, the details of the steps taken by the Government to provide relief and
assistance to the affected farmers, State-wise;
(d) whether financial compensation or benefits have been provided to the affected
farmers under the Pradhan Mantri Fasal Bima Yojana (PMFBY); and
(e) if so, the number of beneficiaries and the total amount of compensation disbursed in
each flood-affected State?
ANSWER
MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE
कृ(cid:874)ष एवं (cid:873)कसान क(cid:227)याण रा(cid:207)य म(cid:287)ं ी (SHRI RAMNATH THAKUR)
(a) to (c): As per the National Policy on Disaster Management (NPDM), the primary
responsibility for disaster management, including disbursal of relief assistance on ground
level, rests with the State Governments concerned. The State Governments undertake
relief measures in the wake of natural calamities, from State Disaster Response Fund
(SDRF) already placed at their disposal, in accordance with Government of India approved
items and norms. The Central Government supplements the efforts of the State
Governments and provides requisite logistics and financial support. Additional financial
assistance is provided from National Disaster Response Fund (NDRF), as per laid down
procedure, in case of disaster of 'severe nature', which includes an assessment based on
the visit of an Inter-Ministerial Central Team (IMCT).
As per information received from Ministry of Home Affairs (MHA), the details of the
crop area affected by floods in States/UTs, during the Monsoon 2025 is at Annexure.As informed by MHA, a total of 11 Inter-Ministerial Central Team (IMCTs) has been
constituted for the States/Union Territories of Andhra Pradesh, Himachal Pradesh,
Karnataka, Punjab, Uttarakhand, Telangana, Maharashtra, Nagaland, Chhattisgarh, Gujarat
and UT of Jammu & Kashmir for on-the-spot assessment of damages caused due to natural
calamities during 2025. The reports of IMCT are considered by the Central Government, as
per the established procedure.
The details of the fund allocated and released under SDRF/NDRF to the States are
available on Disaster Management, MHA's website i.e. ndmindia.mha.gov.in.
(d) & (e): Pradhan Mantri Fasal Bima Yojna (PMFBY) was introduced in the country from
Kharif 2016 season. This scheme is mainly implemented on ‘Area Approach’ basis and
comprehensive risk coverage for crops of farmers against all non-preventable natural risks
from pre-sowing to post-harvest stages of the crops at very minimum premium for the
farmers is provided under the scheme. Admissible claims are worked out and paid directly
to the insured farmer’s account by the insurance companies through DigiClaim module on
National Crop Insurance Portal (NCIP), based on the yield data per unit area furnished to
the insurance company by the concerned State Government and claim calculation formula
envisaged in the Operational Guidelines of the scheme upon receipt of Centre and State
Government’s requisite share in premium subsidy. Farmers need not intimate crop loss in
respect of these claims. As the claims are worked out on the basis of area approach, no
specific reason for the loss such as flood, drought, high temperature, climate change etc. is
recorded by the concerned State Government and claim calculation formula envisaged in
the Operational Guidelines of the scheme. This scheme is voluntary for States and
farmers as well.
Under the scheme, actuarial/bidded premium is charged by the insurance companies
but farmer has to pay lower premium of maximum 2% of sum insured for Kharif season and
1.5% of sum insured for Rabi season for food and oilseed crops and 5% of sum insured for
commercial/horticultural crops. The remaining of actuarial/bidded premium is shared
equally by the Central and State Governments except North Eastern States, where it is
shared in the ratio of 90 : 10 between Centre and State and provided to the insurance
companies directly by the Government through fund routing agency i.e. Agriculture
Insurance Company of India Ltd. The claims are paid only to the insured farmers under the
scheme. There is no provision to allocate the state wise fund. The Govt. of Bihar is not
implementing this scheme.
The losses due to localized risks of hailstorm, landslide, inundation, cloud burst &
natural fire and post-harvest losses due to cyclone, cyclonic/unseasonal rains & hailstorms
are calculated on individual insured farm basis. Farmers required to intimate the loss to the
concerned insurance company, State Government, financial institutions/banks, online on
National Crop Insurance Portal (NCIP) or PMFBY app etc.Annexure-I
Details of damages as reported by State/UTs due to hydro-meteorological disasters during
the year 2025-26 (as on 27.11.2025)
S. State Human Cattle Lost Houses/huts Cropped Area
No. Lives lost (No.) damaged affected (in lakh
(No.) (No.) ha.)
1 2 3 4 5 6
1 Andhra Pradesh 554 994 3760 1.506
2 Arunachal Pr. 14 383 784 0.072
3 Assam 35 14269 39841 0.41
4 Bihar 115 0 273 0
5 Chhattisgarh 63 395 2890 0.0068
6 Goa 0 0 173 0
7 Gujarat 101 3352 13999 0
8 Haryana 06 26 2745 4.32
9 Himachal Pr. 190 3892 10389 0.32
10 Jharkhand 06 16 159 0.0017
11 Karnataka 93 1391 17951 14.81
12 Kerala 78 0 6225 0
13 Madhya Pr. 501 1906 6042 0
14 Maharashtra 163 599 3598 75.42
15 Manipur 09 880 21377 0.039
16 Meghalaya 20 39 1720 0.065
17 Mizoram 07 03 04 0
18 Nagaland 03 250 2684 0.0058
19 Odisha 03 517 2678 0.29
20 Punjab 40 7167 14065 1.93
21 Rajasthan 74 71 52 0
22 Sikkim 18 08 2022 8.11
23 Tamil Nadu 72 985 1423 0.29
24 Telangana 0 0 0 0
25 Tripura 43 07 8352 0
26 Uttar Pradesh 78 0 1211 2.22
27 Uttarakhand 177 864 7212 0.0073
28 West Bengal 0 0 0 0
Andaman & 0 0 0
29 11
Nicobar
30 Chandigarh 0 0 0 0
Dadar & Nagar 0 0 0
31 01
Haveli
32 Delhi 0 0 0 0
33 J & K 181 11693 8404 0.78
34 Puducherry 0 0 13 0.001
Total 2647 49711 180063 116.6046
*As received from Ministry of Home Affairs.
*****