Crop insurance model to consolidate academia-industry cooperation: a case study over Assam, India
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Agriculture is one of the deciding factors of Indian economy, contributing almost 17% of the total GDP. Every year, crops are lost due to natural disasters. This academic research may provide a solution for a long-standing problem in the industry. Crop insurance is one of the most effective ways to not only compensate loss, but also to increase poor farmers’ resilience. Remote sensing has huge potential in the crop insurance market; it can be exploited for vulnerability mapping, damage assessment, risk mapping, and various other aspects. The purpose of this study was to present a method for evaluating crop vulnerability over an area using remote sensing and Geographic Information System (GIS), followed by an assessment of crops damaged due to flood. For application purposes, a crop risk map was prepared from a GIS model for the determination of crop insurance parameters. The study area selected (i.e., the Morigaon and Nagaon districts of Assam) is very much flood-prone. The districts have almost 50% agricultural land of the total land cover, thus making the crops very vulnerable to recurrent flooding. For this study, assessment of damage to crops due to flood was performed for a full year, followed by crop risk map generation from the GIS model. The results revealed that 345 km2 of land was inundated by flood in August 2016. Due to the flooding, 1435.08 km2 of agricultural land bearing crops was damaged at different levels. The crop risk map depicts 103.33 km2 of cropland at high risk due to flood.
KeywordsCrop damage Crop insurance Crop vulnerability Flood inundation Remote sensing and GIS in agriculture
Compliance with ethical standards
Conflict of interest
On behalf of all authors, the corresponding author states that there is no conflict of interest.
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