Crop Insurance Today Fourth Quarter 2019 - 19

Without apples, his business would die. Critz
Farms, in Cazenovia, is an easy drive from Syracuse and attracts about 70,000 visitors a year. He
and his wife, Juanita, sell apples, blueberries, maple syrup and Christmas trees along with brewing beer and hard cider.
"If we don't have apples, people don't come,"
Critz said.
As expected, weather can either make or
break an operation like this, especially in New
York. Crop insurance saved Critz last year and allowed him to purchase enough apples to make up
for the shortfall caused by Mother Nature.
"Your worst risk is weather. And if you can
cushion that risk with crop insurance, you gotta
do it because farming is such a risky business."

Steve Durfee

During the Dust Bowl, Steve Durfee's grandparents, Edson and Harriet Durfee, fled the disaster in Nebraska and went back east to Chittenango to start again.
Back then, there was no farm safety net.
When the Nebraska prairie turned against them,
farmers like his grandparents lost it all and had to

Steve Durfee picks pumpkins to sell to his
neighbors in Chittenango, New York.

The next generation of milk cows on the
Tuscarora Dairy Farm.

rebuild on their own.
Today, the family's Tuscarora Dairy Farm is
going strong. He farms with his wife and three
sons and grow corn and wheat and have about
1,000 milk cows. But the farm isn't located in a
rural area.
"Our farm is not on the outskirts of town,"
said Durfee. "It's right in the heart of Chittenango
with about a thousand homes nearby."
Durfee said it's a great opportunity to continue to connect consumers with agriculture as
most people today don't have a good understanding of where their food comes from.
"We run a small vegetable stand to serve the

community," he said. "It doesn't make much money, but we do it because it makes our neighbors
happy and keeps them connected to farming."
Durfee says the large investment required for
each acre he plants and each cow he milks makes
crop insurance a must.
"Buying insurance helps take out some of the
risk," he says. "Last year just looking at what the
price of milk was and saying if it continues at this
level, it would certainly put a lot of stress on our
finances."
He bought a dairy revenue protection policy to help mitigate the risk of the volatile dairy
market. Fortunately, the price of milk rebounded,
and he didn't need to use the insurance.
Like all farmers, Durfee would rather sell his
products at a good price than make an insurance
claim.
"Crop insurance is just like all the other insurance you have," he says. "We end up spending
a lot of money on insurance, but you can sleep at
night knowing if something happens, you are going to be protected partially and you will be able
to rebound from it and continue on."
CROPINSURANCE TODAY®

19



Crop Insurance Today Fourth Quarter 2019

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https://www.nxtbook.com/allen/cint/54-1
https://www.nxtbook.com/allen/cint/53-4
https://www.nxtbook.com/allen/cint/53-03
https://www.nxtbook.com/allen/cint/53-02
https://www.nxtbook.com/allen/cint/53-01
https://www.nxtbook.com/allen/cint/52-04
https://www.nxtbook.com/allen/cint/52-03
https://www.nxtbook.com/allen/cint/52-02
https://www.nxtbook.com/allen/cint/52-01
http://www.brightcopy.net/allen/cint/51-04
http://www.brightcopy.net/allen/cint/51-03
http://www.brightcopy.net/allen/cint/51-02
http://www.brightcopy.net/allen/cint/51-01
http://www.brightcopy.net/allen/cint/50-04
http://www.brightcopy.net/allen/cint/50-3
http://www.brightcopy.net/allen/cint/50-2
http://www.brightcopy.net/allen/cint/50-1
http://www.brightcopy.net/allen/cint/49-4
http://www.brightcopy.net/allen/cint/49-3
http://www.brightcopy.net/allen/cint/may2016
http://www.brightcopy.net/allen/cint/february2016
http://www.brightcopy.net/allen/cint/november2015
http://www.brightcopy.net/allen/cint/september2015
https://www.nxtbook.com/allen/cint/may2015
https://www.nxtbook.com/allen/cint/february2015
https://www.nxtbook.com/allen/cint/november2014
https://www.nxtbook.com/allen/cint/september2014
https://www.nxtbook.com/allen/cint/may2014
https://www.nxtbook.com/allen/cint/february2014
https://www.nxtbook.com/allen/cint/november2013
https://www.nxtbook.com/allen/cint/august2013
https://www.nxtbook.com/allen/cint/may2013
https://www.nxtbook.com/allen/cint/february2013
https://www.nxtbook.com/allen/cint/november2012
https://www.nxtbook.com/allen/cint/august2012
https://www.nxtbook.com/allen/cint/may2012
https://www.nxtbook.com/allen/cint/february2012
https://www.nxtbook.com/allen/cint/44-4
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