In this episode of Farm4Profit, we’re joined by Ken Ripley, AVP of Regional Sales for FMH’s Northwest region and a farmer himself in southern Minnesota. Ken brings decades of experience from both John Deere and crop insurance, helping producers understand how to build smarter protection strategies.

We break down:

The current financial environment farmers are facing

How crop insurance, FSA programs, and disaster relief work together

What’s changed under the new USDA and RMA leadership

Key updates to ARC/PLC, base acres, reference prices, and SCO flexibility

New and expanded area coverage options like ECO, SCO, and MCO

Enhancements to the Beginning Farmer/Rancher program

Disaster programs like SDRP Phase 2 and the new Farmer Bridge Assistance (FBA) program

Why precision data is becoming critical for reporting, claims, and audits

Ken also shares practical advice for navigating these decisions without getting overwhelmed — including why working closely with a trusted crop insurance agent can help producers avoid missed opportunities.

With so many changes heading into 2026, this episode helps farmers step back, understand the big picture, and make intentional decisions that protect profitability.

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