PMFBY covers a wide range of risks, including:
Prevented sowing, planting, and germination: If adverse weather conditions prevent farmers from sowing or planting their crops.
Loss of standing crops: If crops are damaged due to natural calamities, pests, diseases, or localized disasters.
Post-harvest loss: If produce is damaged after harvesting due to unseasonal rains or other factors.
However, some risks like war, nuclear incidents, and intentional damage are not covered.