{"id":10657,"date":"2024-07-28T18:58:39","date_gmt":"2024-07-28T16:58:39","guid":{"rendered":"https:\/\/geopard.tech\/?p=10657"},"modified":"2024-07-28T18:58:39","modified_gmt":"2024-07-28T16:58:39","slug":"vyzvy-ktorym-my-polnohospodari-celime-v-suvislosti-s-poistenim-plodin-a-klimatickymi-zmenami","status":"publish","type":"post","link":"https:\/\/geopard.tech\/sk\/blog\/challenges-us-farmers-face-with-crop-insurance-and-climate-change\/","title":{"rendered":"V\u00fdzvy, ktor\u00fdm \u010delia americk\u00ed farm\u00e1ri v oblasti poistenia plod\u00edn a klimatick\u00fdch zmien"},"content":{"rendered":"<p>Bloomberg: V Kansase dlh\u00e9 sucho zni\u010dilo \u00farodu a po\u0161kodilo p\u00f4du, ale farma Gail Fullerovej vynik\u00e1. Jeho ovce, kravy a sliepky sa vo\u013ene pohybuj\u00fa a k\u0155mia sa plodinami a rastlinami v bujnom a \u017eivom prostred\u00ed.<\/p>\n<p>Ak by v\u0161ak Fullerovu farmu zasiahlo torn\u00e1do, povode\u0148 alebo siln\u00e9 sucho, musel by si v\u0161etky n\u00e1klady hradi\u0165 s\u00e1m. Je to preto, lebo jeho po\u013enohospod\u00e1rske met\u00f3dy nie s\u00fa kryt\u00e9 feder\u00e1lnym poisten\u00edm plod\u00edn, \u010do je star\u00e1 z\u00e1chrann\u00e1 sie\u0165, ktor\u00e1 nedr\u017e\u00ed krok so zmenou kl\u00edmy.<\/p>\n<p>Fuller je jedn\u00fdm z mnoh\u00fdch farm\u00e1rov, ktor\u00ed nemaj\u00fa dostato\u010dn\u00e9 poistenie, preto\u017ee odvetvie nepodporuje prechod z tradi\u010dn\u00e9ho po\u013enohospod\u00e1rstva na regenerat\u00edvne po\u013enohospod\u00e1rstvo. Regenerat\u00edvne po\u013enohospod\u00e1rstvo m\u00f4\u017ee pom\u00f4c\u0165 zachyti\u0165 dostatok uhl\u00edka na zn\u00ed\u017eenie po\u013enohospod\u00e1rskych emisi\u00ed na polovicu do roku 2030.<\/p>\n<p>T\u00e1to zmena je d\u00f4le\u017eit\u00e1 pre spomalenie klimatick\u00fdch zmien a ochranu po\u013enohospod\u00e1rov pred ich \u00fa\u010dinkami, ale pois\u0165ovn\u00edctvo s t\u00fdm nedr\u017e\u00ed krok.<\/p>\n<p>V USA po\u013enohospod\u00e1rstvo sp\u00f4sobuje pribli\u017ene 111 TP3T v\u0161etk\u00fdch emisi\u00ed sklen\u00edkov\u00fdch plynov. Ve\u013ek\u00e1 \u010das\u0165 z toho poch\u00e1dza z obr\u00e1bania p\u00f4dy, ktor\u00e9 uvo\u013e\u0148uje oxid uhli\u010dit\u00fd, a z pou\u017e\u00edvania pr\u00edli\u0161 ve\u013ek\u00e9ho mno\u017estva hnoj\u00edv, ktor\u00e9 uvo\u013e\u0148uj\u00fa oxid dusn\u00fd.<\/p>\n<p>Oxid dusn\u00fd je sklen\u00edkov\u00fd plyn, ktor\u00fd je viac ako 270-kr\u00e1t silnej\u0161\u00ed ako CO2. Regenerat\u00edvne po\u013enohospod\u00e1rstvo pom\u00e1ha zni\u017eova\u0165 tieto emisie absorpciou oxidu uhli\u010dit\u00e9ho prostredn\u00edctvom fotosynt\u00e9zy, ukladan\u00edm uhl\u00edka v p\u00f4de a zachyt\u00e1van\u00edm dus\u00edka, ktor\u00fd by inak odtiekol do okolit\u00fdch potokov.<\/p>\n<p>Extr\u00e9mne po\u010dasie sa v s\u00fa\u010dasnosti vyskytuje \u010doraz \u010dastej\u0161ie a ohrozuje \u00farodu a dod\u00e1vate\u013esk\u00e9 re\u0165azce. Pod\u013ea US Drought Monitor \u010del\u00ed dvadsa\u0165\u0161tyri \u0161t\u00e1tov vr\u00e1tane Kansasu siln\u00fdm a\u017e v\u00fdnimo\u010dn\u00fdm such\u00e1m. Je to probl\u00e9m, rovnako ako siln\u00e9 da\u017ede, ktor\u00e9 m\u00f4\u017eu zaplavi\u0165 \u00farodu a padaj\u00fa \u010doraz silnej\u0161ie.<\/p>\n<p>V\u00fdskumn\u00edci na Stanfordskej univerzite zistili, \u017ee takmer 201 TP3 bili\u00f3nov z 1 TP4 140 mili\u00e1rd vyplaten\u00fdch na poistenie plod\u00edn v rokoch 1991 a\u017e 2017 bolo sp\u00f4soben\u00fdch rast\u00facimi teplotami. Myslia si, \u017ee toto percento bude na\u010falej r\u00e1s\u0165, ke\u010f\u017ee extr\u00e9mne po\u010dasie sa v d\u00f4sledku klimatick\u00fdch zmien st\u00e1va be\u017enej\u0161\u00edm.<\/p>\n<p>Napriek t\u00fdmto rizik\u00e1m a v\u00fdhod\u00e1m, ktor\u00e9 regenerat\u00edvne po\u013enohospod\u00e1rstvo pon\u00faka v boji proti zmene kl\u00edmy, silnej\u0161ie stimuly udr\u017eali s\u00fa\u010dasn\u00fd syst\u00e9m v platnosti, hovor\u00ed Anne Schechingerov\u00e1, riadite\u013eka neziskovej organiz\u00e1cie Environmental Working Group (EWG) pre Stredoz\u00e1pad.<\/p>\n<p>Poistn\u00e9 zmluvy na plodiny sa v\u00e4\u010d\u0161inou vz\u0165ahuj\u00fa na be\u017en\u00e9 plodiny, ako je kukurica, s\u00f3ja, bavlna a p\u0161enica. Po\u013enohospod\u00e1ri pestuj\u00faci tieto plodiny si zvy\u010dajne uzatv\u00e1raj\u00fa viacn\u00e1sobn\u00e9 poistenie, ktor\u00e9 ich chr\u00e1ni pred zlou \u00farodou sp\u00f4sobenou chorobami, povod\u0148ami, suchom a in\u00fdm nepriazniv\u00fdm po\u010das\u00edm.<\/p>\n<p>Rovnako ako v pr\u00edpade zdravotn\u00e9ho, automobilov\u00e9ho alebo majetkov\u00e9ho poistenia, aj pos\u00fadenie str\u00e1t alebo \u0161k\u00f4d pri poisten\u00ed plod\u00edn z\u00e1vis\u00ed od noriem naz\u00fdvan\u00fdch Spr\u00e1vne po\u013enohospod\u00e1rske postupy. Tieto normy zabezpe\u010duj\u00fa, aby n\u00edzke v\u00fdnosy neboli sp\u00f4soben\u00e9 zl\u00fdm hospod\u00e1ren\u00edm.<\/p>\n<p>Tieto pravidl\u00e1 v\u0161ak nem\u00f4\u017eu zah\u0155\u0148a\u0165 postupy, ktor\u00e9 by mohli zn\u00ed\u017ei\u0165 v\u00fdnos plodiny, tak\u017ee sa zvy\u010dajne riadia tradi\u010dn\u00fdmi priemyseln\u00fdmi monokult\u00farnymi met\u00f3dami. Napr\u00edklad farm\u00e1r, ktor\u00fd pestuje r\u00f4zne plodiny medzi riadkami alebo pr\u00edli\u0161 neskoro ukon\u010d\u00ed pestovanie kryc\u00edch plod\u00edn, m\u00f4\u017ee ma\u0165 zamietnut\u00e9 n\u00e1roky na poistn\u00e9 plnenie.<\/p>\n<p>Regenerat\u00edvne po\u013enohospod\u00e1rstvo \u010dasto znamen\u00e1 pestovanie r\u00f4znych plod\u00edn spolo\u010dne na tom istom poli a pou\u017e\u00edvanie menej v\u00fdnosn\u00fdch trvaliek, \u010do m\u00f4\u017ee pois\u0165ovate\u013eom sp\u00f4sobi\u0165 probl\u00e9my. Pod\u013ea profesorky Silvie Secchi z University of Iowa v\u0161ak v\u00fdplaty poistenia plod\u00edn v\u00e4\u010d\u0161inou nez\u00e1visia od toho, \u010di postupy farm\u00e1ra zvy\u0161uj\u00fa alebo zni\u017euj\u00fa klimatick\u00e9 rizik\u00e1.<\/p>\n<p>Fuller, farm\u00e1r z rodiny s tromi gener\u00e1ciami po\u013enohospod\u00e1rstva, za\u010dal v polovici 90. rokov 20. storo\u010dia sk\u00fa\u0161a\u0165 met\u00f3dy regenerat\u00edvneho po\u013enohospod\u00e1rstva. Veril, \u017ee tieto met\u00f3dy \u010dasom prines\u00fa lep\u0161ie v\u00fdnosy a silnej\u0161ie plodiny.<\/p>\n<p>Krycie plodiny pestoval mimo sez\u00f3ny, \u010do je be\u017en\u00e1 regenera\u010dn\u00e1 prax. Ide o neobchodn\u00e9 plodiny, ktor\u00e9 zlep\u0161uj\u00fa zdravie p\u00f4dy. Po\u010das tohto obdobia mal Fuller st\u00e1le poistenie plod\u00edn a dodr\u017eiaval jeho pravidl\u00e1, pri\u010dom svoje krycie plodiny ni\u010dil herbic\u00eddom pred v\u00fdsadbou trhov\u00fdch plod\u00edn.<\/p>\n<p>V auguste 2012 nastalo siln\u00e9 sucho a Fullerova pois\u0165ov\u0148a skontrolovala jeho pozemok. Rozhodli, \u017ee zost\u00e1vaj\u00face krycie plodiny s\u00fa burinou a zamietli v\u0161etky jeho n\u00e1roky. Z tohto d\u00f4vodu mu jeho verite\u013esk\u00e1 in\u0161tit\u00facia odobrala prev\u00e1dzkov\u00fd \u00faver.<\/p>\n<p>Fuller za\u017eal svoju pois\u0165ov\u0148u na s\u00fade a vyhral. Ale o dva roky nesk\u00f4r, ke\u010f od nich potreboval pokry\u0165 straty na dvoch s\u00f3jov\u00fdch poliach, jeho n\u00e1roky op\u00e4\u0165 zamietli. Tieto finan\u010dn\u00e9 probl\u00e9my ho prin\u00fatili zmen\u0161i\u0165 rozlohu svojej farmy z 1800 akrov na 400 akrov a nakoniec sa rozhodol presta\u0165 pou\u017e\u00edva\u0165 poistenie plod\u00edn.<\/p>\n<p>\u201cKe\u010f raz ako farm\u00e1r zbankrotujete, je dos\u0165 \u0165a\u017ek\u00e9 sa dosta\u0165 sp\u00e4\u0165,\u201d povedal Fuller. \u201cNechcel som by\u0165 s\u00fa\u010das\u0165ou tohto syst\u00e9mu. Mus\u00edme n\u00e1js\u0165 lep\u0161\u00ed sp\u00f4sob, ako farm\u00e1r\u010di\u0165.\u201d<\/p>\n<p>Po\u010das posledn\u00e9ho desa\u0165ro\u010dia Ministerstvo po\u013enohospod\u00e1rstva USA zaviedlo zmeny v programe poistenia plod\u00edn s cie\u013eom rie\u0161i\u0165 klimatick\u00e9 rizik\u00e1. Medzi tieto zmeny patr\u00ed pridanie krytia pre nov\u00e9 plodiny a ponuka stimulu $5 na aker na pestovanie kryc\u00edch plod\u00edn po\u010das mimosez\u00f3ny.<\/p>\n<p>Agent\u00fara pre riadenie riz\u00edk, ktor\u00e1 dohliada na feder\u00e1lne poistenie plod\u00edn, zv\u00fd\u0161ila svoje krytie pre ur\u010dit\u00e9 postupy \u0161etrn\u00e9 k kl\u00edme, ako je zni\u017eovanie spotreby vody, pestovanie kryc\u00edch plod\u00edn a vstrekovanie dus\u00edka do p\u00f4dy namiesto jeho rozpty\u013eovania navrch.<\/p>\n<p>Po\u013enohospod\u00e1ri v\u0161ak musia dodr\u017eiava\u0165 \u0161pecifick\u00e9 pravidl\u00e1, ako napr\u00edklad skor\u00e9 ukon\u010denie pestovania kryc\u00edch plod\u00edn, \u010do pod\u013ea niektor\u00fdch vedcov obmedzuje schopnos\u0165 t\u00fdchto postupov zni\u017eova\u0165 emisie.<\/p>\n<p>Syst\u00e9m poistenia plod\u00edn u\u017e teraz \u010del\u00ed v\u00fdzvam s\u00favisiacim so zmenou kl\u00edmy. Mus\u00ed sa prisp\u00f4sobi\u0165, aby podporoval postupy vhodn\u00e9 pre r\u00f4zne regi\u00f3ny a pokr\u00fdval r\u00f4zne rizik\u00e1, uviedol hovorca USDA. Program mus\u00ed tie\u017e zosta\u0165 finan\u010dne stabiln\u00fd, \u010do znamen\u00e1, \u017ee mus\u00ed \u00fa\u010dtova\u0165 poistn\u00e9, ktor\u00e9 je dostato\u010dne vysok\u00e9 na pokrytie o\u010dak\u00e1van\u00fdch str\u00e1t.<\/p>\n<p>\u201cAj v malom rozsahu m\u00f4\u017ee siln\u00e1 b\u00farka po\u0161kodi\u0165 jeden druh plodiny a z\u00e1rove\u0148 poskytn\u00fa\u0165 ve\u013emi potrebn\u00fd d\u00e1\u017e\u010f pre in\u00fd,\u201d povedal hovorca USDA agent\u00fare Bloomberg Green.<\/p>\n<p>\u201cPoistenie plod\u00edn je dobrovo\u013en\u00e9,\u201d povedal RJ Layher, riadite\u013e pre vl\u00e1dne z\u00e1le\u017eitosti v Americkej feder\u00e1cii po\u013enohospod\u00e1rskych \u00faradov. Farm\u00e1ri pou\u017e\u00edvaj\u00faci regenera\u010dn\u00e9 techniky, ktor\u00e9 nie s\u00fa zahrnut\u00e9 v osved\u010den\u00fdch po\u013enohospod\u00e1rskych postupoch, m\u00f4\u017eu h\u013eada\u0165 in\u00e9 mo\u017enosti, dodal, napr\u00edklad preuk\u00e1za\u0165 Agent\u00fare pre riadenie riz\u00edk, \u017ee ich postupy s\u00fa finan\u010dne stabiln\u00e9.<\/p>\n<p>Pre ktor\u00e9hoko\u013evek farm\u00e1ra je \u0165a\u017ek\u00e9 zhroma\u017edi\u0165 dostatok \u00fadajov, aby preuk\u00e1zal, \u017ee postupy \u0161etrn\u00e9 ku kl\u00edme, ako je diverzifik\u00e1cia plod\u00edn, neovplyvnia v\u00fdnosy.<\/p>\n<p>V roku 2014 spustilo Ministerstvo po\u013enohospod\u00e1rstva USA program ochrany pr\u00edjmov cel\u00e9ho po\u013enohospod\u00e1rskeho podniku. Tento program pois\u0165uje cel\u00fd pr\u00edjem farmy, a nie len jednotliv\u00fdch plod\u00edn. Pon\u00faka z\u00e1chrann\u00fa sie\u0165 pre po\u013enohospod\u00e1rov, ktor\u00ed na svojich poliach pestuj\u00fa doplnkov\u00e9 plodiny alebo chovaj\u00fa zvierat\u00e1.<\/p>\n<p>Nie ve\u013ea farm\u00e1rov je v\u0161ak zapojen\u00fdch do Programu ochrany pr\u00edjmov cel\u00e9ho po\u013enohospod\u00e1rskeho podniku. Pod\u013ea Schechingera z EWG sa v roku 2023 predalo iba pribli\u017ene 1 800 poistiek. To je menej ako 11 TP3T poistenia plod\u00edn. Program m\u00e1 ve\u013ea administrat\u00edvnej z\u00e1\u0165a\u017ee a strop pr\u00edjmov, ktor\u00fd nie v\u017edy pokr\u00fdva pr\u00edjmy cel\u00e9ho po\u013enohospod\u00e1rskeho podniku, \u010do pod\u013ea Layhera s\u0165a\u017euje pois\u0165ovac\u00edm agentom predaj a farm\u00e1rom n\u00e1kup.<\/p>\n<p>Layher tie\u017e uviedol, \u017ee Farm\u00e1rsky \u00farad podporuje zjednodu\u0161enie Programu ochrany pr\u00edjmov cel\u00e9ho po\u013enohospod\u00e1rskeho podniku pre po\u013enohospod\u00e1rov a zjednodu\u0161enie predaja pre pois\u0165ovac\u00edch agentov. Tieto vylep\u0161enia s\u00fa navrhnut\u00e9 v po\u013enohospod\u00e1rskom z\u00e1kone, ktor\u00e9ho prerokovanie v Snemovni reprezentantov je odlo\u017een\u00e9 minim\u00e1lne do septembra.<\/p>\n<p>Hnutie regenerat\u00edvneho po\u013enohospod\u00e1rstva je st\u00e1le mal\u00e9, ale v posledn\u00fdch rokoch sa rozr\u00e1stlo v\u010faka feder\u00e1lnej podpore a z\u00e1ujmu agropodnikov. Spolo\u010dnosti ako CoverCress Inc., preva\u017ene vlastnen\u00e9 spolo\u010dnos\u0165ou Bayer AG, povzbudzuj\u00fa po\u013enohospod\u00e1rov k pestovaniu kryc\u00edch plod\u00edn pre udr\u017eate\u013en\u00e9 leteck\u00e9 palivo. Spolo\u010dnos\u0165 General Mills Inc. m\u00e1 pilotn\u00e9 programy na pomoc 24 pestovate\u013eom p\u0161enice vo Wichite v Kansase pri za\u010dat\u00ed ich regenera\u010dn\u00fdch postupov.<\/p>\n<p>V s\u00fa\u010dasnosti z\u00e1vis\u00ed tlak na zmenu pravidiel poistenia najm\u00e4 od farm\u00e1rov ako Fuller a Rick Clarkovi. Clark je farm\u00e1r tretej gener\u00e1cie zo z\u00e1padnej centr\u00e1lnej Indiany, ktor\u00fd je \u0161es\u0165 rokov nepoisten\u00fd, preto\u017ee sa venuje regenerat\u00edvnemu po\u013enohospod\u00e1rstvu.<\/p>\n<p>Ke\u010f Clark nepracuje na svojej farme, ktor\u00e1 pou\u017e\u00edva krycie plodiny na v\u0161etk\u00fdch 7 000 akroch, u\u010d\u00ed ostatn\u00fdch farm\u00e1rov, ako presta\u0165 pou\u017e\u00edva\u0165 chemick\u00e9 hnojiv\u00e1 a namiesto toho pou\u017e\u00edva\u0165 krycie plodiny.<\/p>\n<p>\u201cMus\u00edme zabezpe\u010di\u0165, aby cesta k zmene bola jednoduch\u00e1,\u201d povedal Clark. Jedn\u00fdm z najv\u00e4\u010d\u0161\u00edch probl\u00e9mov pre nepoisten\u00fdch farm\u00e1rov je, \u017ee ich veritelia \u010dasto vy\u017eaduj\u00fa, aby mali poistenie, aby mohli na\u010falej dost\u00e1va\u0165 p\u00f4\u017ei\u010dky.<\/p>\n<p>Clark sa koncom roka 2022 vyjadril v Kongrese v mene skupiny Regenerate America, ktor\u00e1 presadzuje po\u013enohospod\u00e1rsku reformu. Po\u017eiadal o zmeny, ktor\u00e9 s\u00fa pod\u013ea Schechingera potrebn\u00e9. De\u0148 po Clarkovom prejave Kongres schv\u00e1lil z\u00e1kon o zni\u017eovan\u00ed infl\u00e1cie, rozsiahly z\u00e1kon prezidenta Joea Bidena o kl\u00edme, ktor\u00fd zah\u0155\u0148a 19,5 miliardy rupi\u00ed na programy ochrany pr\u00edrody USDA. Clark mal pocit, \u017ee na tom m\u00e1 mal\u00fa \u00falohu.<\/p>\n<p>\u201cNiekedy, ke\u010f hovor\u00edte, sa p\u00fdtate, \u010di v\u00e1s niekto po\u010d\u00fava,\u201d povedal Clark. Ale potom \u201cm\u00e1te pocit, \u017ee va\u0161e slov\u00e1 mo\u017eno nepadn\u00fa na hluch\u00e9 u\u0161i a mo\u017eno niektor\u00ed \u013eudia naozaj venuj\u00fa pozornos\u0165.\u201d<\/p>\n<p><strong>Zdroj<\/strong>Bloomberg Businessweek (Bloomberg LP)<\/p>","protected":false},"excerpt":{"rendered":"<p>Bloomberg: V Kansase dlh\u00e9 sucho zni\u010dilo \u00farodu a po\u0161kodilo p\u00f4du, ale farma Gaila Fullera vynik\u00e1. Jeho ovce, kravy a sliepky sa t\u00falaj\u00fa\u2026<\/p>","protected":false},"author":210157960,"featured_media":10658,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_eb_attr":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[1365],"tags":[],"class_list":["post-10657","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Challenges US Farmers Face with Crop Insurance and Climate Change - GeoPard Agriculture<\/title>\n<meta name=\"description\" content=\"In Kansas, a long drought has ruined crops and damaged the soil, but Gail Fuller\u2019s farm stands out. 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