S. 3843 · Where this bill is now
In committee
Introduced in the Senate, Feb 11, 2026
What this bill does
In plain words · AI-written from the official summaryTemperature-based crop insurance for cold weather losses
This bill asks the federal crop insurance program to research and develop a new type of insurance policy for certain crops, including tomatoes, peppers, strawberries, citrus, and blueberries. The policy would protect farmers against losses from frost and cold weather events by using temperature as the trigger for automatic payments, rather than requiring farmers to file individual claims. The research would test how well this temperature-based approach works for rare but devastating weather disasters.
How it affects you
If you're a farmer growing temperature-sensitive crops, this could eventually give you access to a new insurance option that pays out automatically when temperatures drop to dangerous levels, without you having to prove your specific losses. For other people, this doesn't create direct changes, though it could affect fruit and vegetable prices and availability if the insurance helps stabilize supply.
Read the official summary (Introduced in Senate, Feb 11, 2026)
Temperature Event Mitigation Policy Act or the TEMP Act
This bill directs the federal crop insurance program to provide for research and development regarding a temperature-based index policy to insure crops (including tomatoes, peppers, sugarcane, strawberries, melons, citrus, peaches, and blueberries) on a nationally-available basis against losses due to a frost or cold weather event.
The research and development must (1) evaluate the effectiveness of risk management tools with respect to low frequency and catastrophic loss weather events, and (2) result in a policy that provides protection for production loss or revenue loss.
The term policy means an insurance policy, plan of insurance, provision of a policy or plan of insurance, and related materials. Under an index policy, claim payments are generally triggered based on a predetermined index that is entirely independent of the individual farm operation (e.g., temperature level). Under such a policy, the payments are automatically triggered when the index reaches a certain level rather than when an insured farmer files a claim.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
2nd SessionS. 3843
A BILL
TEMP Act
Sponsor: Sen. Ashley Moody (R-FL) · Introduced Feb 11, 2026 · Agriculture and Food · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Feb 11, 2026: “Read twice and referred to the Committee on Agriculture, Nutrition, and Forestry.”