There are some programs.
Last year, when we had a bit of a drought year and we didn't have a great crop, I still didn't quite qualify to get paid out on crop insurance. The crop insurance program is something I've paid into every year. With some of our drought fields this year, it looks as though I will get paid out.
It seems as though the levels where some of these claims can be made are too wide, or it needs to be more in favour of the producers than it is to the insurance companies. It doesn't matter how you try to insure your crop; you could still be losing money on all the inputs you put in.
As Megz said, inputs are expensive, and you still won't get an insurance payout, so you're wondering why you're paying into this insurance program when you can't even break even when you have a poor year.