They have insurance for it... but that means your best year is only mediocre- the insurance can be very expensive. Wife is a beneficiary to a trust that owns a number of farms in Nebraska... they buy the insurance- and some years the insurance payment is more than what they profit on the farm (in other words, over half the profit went to insurance).. I think i'd be less risk adverse when the cost is so high. Some years, the only yield on some farms is the payout from the insurance.