S. 3843Senate119th Congress (2025-2027)In Committee

TEMP Act

AI-Generated Summary

Updated February 26, 2026 at 7:45 AM UTC

The TEMP Act amends the Federal Crop Insurance Act to require the Federal Crop Insurance Corporation (FCIC) to research and develop an index‑based insurance product that protects crops from frost or cold‑weather damage. The goal is to create a nationally available policy that can cover production or revenue losses for a wide range of crops, such as tomatoes, strawberries, citrus, and others. The FCIC must report its findings and recommendations to the House and Senate agriculture committees within one year.

Key Provisions

Adds a new “Frost or cold weather insurance” category to the Federal Crop Insurance Act.
Directs the FCIC to conduct or contract for research and development of an index‑based policy covering crops against frost or cold‑weather events.
Requires the research to evaluate the effectiveness of risk‑management tools for low‑frequency, catastrophic weather events and to produce a policy that protects either production loss or revenue loss.
Mandates that the FCIC submit a report on the research results and any recommendations to the relevant House and Senate agriculture committees no later than one year after enactment.

Legislative Activity

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1 earlier action

SenateIntro Referral Latest Action

Read twice and referred to the Committee on Agriculture, Nutrition, and Forestry.

Agriculture, Nutrition, and Forestry Committee

February 11, 2026

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SenateIntro Referral

Introduced in Senate

February 11, 2026

SenateIntro Referral

Read twice and referred to the Committee on Agriculture, Nutrition, and Forestry.

Agriculture, Nutrition, and Forestry Committee

February 11, 2026

Bill Text

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Introduced in SenateIssued February 11, 2026

119th CONGRESS

2d Session

S. 3843

IN THE SENATE OF THE UNITED STATES

February 11, 2026

Mrs. Moody introduced the following bill; which was read twice and referred to the Committee on Agriculture, Nutrition, and Forestry

A BILL

To amend the Federal Crop Insurance Act to direct the Federal Crop Insurance Corporation to conduct research and development on frost or cold weather insurance, and for other purposes.

Short title

This Act may be cited as the Temperature Event Mitigation Policy Act or the TEMP Act.

Research and development on frost or cold weather insurance

Section 522(c) of the Federal Crop Insurance Act (7 U.S.C. 1522(c)) is amended by adding at the end the following:

(20)

Frost or cold weather insurance

(A)

In general

The Corporation shall carry out research and development, or offer to enter into 1 or more contracts with 1 or more qualified persons to carry out research and development, regarding an index-based policy to insure crops (including tomatoes, peppers, sugarcane, strawberries, melons, citrus, peaches, blueberries, and any other crop) on a nationally available basis against losses due to a frost or cold weather event.

(B)

Research and development

Research and development under subparagraph (A) shall—

(i)

evaluate the effectiveness of risk management tools, such as the use of an index, with respect to low frequency and catastrophic loss weather events; and

(ii)

result in a policy that provides protection for at least 1 of the following:

(I)

Production loss.

(II)

Revenue loss.

(C)

Report

Not later than 1 year after the date of enactment of this paragraph, the Corporation shall submit to the Committee on Agriculture of the House of Representatives and the Committee on Agriculture, Nutrition, and Forestry of the Senate a report that describes—

(i)

the results of the research and development carried out under this paragraph; and

(ii)

any recommendations with respect to those results.