Farmers in Dakshina Kannada and Udupi districts face significant risks due to the delayed and inconsistent monsoon. The lack of rainfall could lead to widespread crop failures, affecting livelihoods and food security. The insurance scheme aims to mitigate these risks by providing compensation for losses caused by natural calamities, including landslides, hailstorms, and untimely rains. However, low enrollment in the scheme could leave many farmers vulnerable to financial distress. The current sowing progress is far below the target, indicating potential challenges in meeting agricultural goals for the season.