68 NEBRASKA CATTLEMAN March 2025 ® ® BY CONNOR AGRISCIENCE SILAGE BARRIER FILMS PEERS FLOOD PROTECTION FOR CATTLE PRODUCERS JOE ROBERTS | FNIC CHIEF MARKET OFFICER NCIG Last year, northwest Iowa faced devastating floods, impacting numerous lives and communities. Among those affected were clients of FNIC, the insurance agency member of NCIG, which has offices in the region. These recent events brought back memories of another catastrophic flood – the bomb cyclone of March 2019, which wreaked havoc on the Spencer Dam along the Niobrara River in Nebraska. Flooding presents a significant risk for cattle producers, with the potential to cause extensive damage to property, equipment and livestock. As we continue to see an increase in the frequency and severity of extreme weather events, it remains important for cattle producers to review how their current insurance policies would respond in the event of a flood. At NCIG, we are dedicated to helping you review your current policies and review your options for uncovered risks. When we reflect on the things that are important to us and the devastating effects a flood can have, we come up with a list of things we want to protect: our homes and their contents, additional buildings and structures on our property, vehicles, farm equipment, livestock and crops. Each of these represents a vital piece of your livelihood, and losing any one of them can lead to financial hardship. FLOOD INSURANCE FROM NFIP Flood Insurance is offered through the National Flood Insurance Program (NFIP) managed by FEMA. NFIP policies provide coverage for buildings and CONTINUED ON PAGE 70 THE HOME AGENCY JOINS FNIC Effective Jan. 1, The Home Agency has joined First Insurance Group, LLC, dba FNIC. This partnership enhances the capabilities and products available to their clients and reinforces their commitment to delivering exceptional service to businesses, families and individuals throughout the Midwest. By joining forces, both organizations aim to leverage their combined experience to address the evolving needs of their clients and strengthen their presence in the region. The Home Agency is a highly respected and successful crop insurance provider headquartered in Elwood with satellite offices in Gothenburg and Cozad. The agency was founded in the late 1980s by Jim and Sharri Baldonado and has grown into one of the largest crop insurance agencies in the United States. To learn more about FNIC and its offerings, clients can visit their website at fnicgroup.com.
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