Congress orders new crop insurance product—but doesn't fund it
H.R. 5633 — Agriculture Infrastructure Stability Act of 2025 · Filed by Ronny Jackson (R-TX) · 3 cosponsors · Introduced Sep 30, 2025 · Referred to committee
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What it does
This bill directs the Federal Crop Insurance Corporation to research and develop a new type of crop insurance policy that rewards farmers for harvesting at optimal times (a 'harvest incentive policy'). If the research succeeds and meets regulatory requirements, the Corporation must make such a policy available to farmers within two years. The bill requires a progress report to Congress within one year.
Why we flagged it
The bill's operative mechanism is a mandate for research and product development within the existing federal crop insurance system. It expands the menu of available policies rather than restructuring the system or creating new subsidies.
What the text implies
- The bill does not appropriate funds for R&D or specify who bears the cost of policy development and administration; implementation depends on discretionary budget authority or reallocation within the Crop Insurance Corporation.
- The two-year timeline for policy availability is a hard deadline; if R&D fails or the policy cannot meet section 508(h) requirements, the Corporation faces a statutory obligation it may not be able to fulfill.
The full analysis lists 3 implications of this text.
Who stands to gain
farmers and agricultural producers (via expanded insurance options); crop insurance companies (if they underwrite or administer the new policy)