IWMI · CGIAR · Rabi 2026–27 pilot

Crop insurance that
sees drought early.

AgRISE, Agricultural Remote Sensing-based Insurance for Security and Equity, turns IWMI's ENSO Outlook climate intelligence into risk scores and claim evidence for insurers, and sends advice to farmers through SukhaRakshak AI.

See how it works Get the SukhaRakshak app

1,247sub-districts scored
6states
2×weekly refresh

Farmer · LakshmiNo rain for three weeks. Will our paddy survive?

AgRISE field officerAgRISE flags your taluk at Moderate risk. A crop survey is already planned.

Farmer · RaviSukhaRakshak just told us to save water for flowering, when paddy needs it most.

AgRISE field officerAnd if yields still fall, the evidence pack is ready for a fair claim.

Farmer · LakshmiSo we act early, and the claim is settled fairly. Good.

SukhaRakshak AIDrought advisory · सूखा सलाह

Financial Protection Inclusive Insurance Food Security Reducing Risk Agricultural Resilience Improving Yield Fair & Faster Claims Climate-Smart Farming

How it works

From satellite to settlement, in one chain.

Two IWMI platforms already in use, joined by AgRISE so that insurers and farmers act on the same evidence.

1 · Data

ENSO Outlook

Seasonal outlooks, anticipatory-action triggers and satellite drought indicators through one API.

enso.iwmi.org

2 · Decide

AgRISE

Scores every insurance unit, ranks the portfolio, maps claim pathways and builds the evidence pack.

Insurers & field teams

3 · Advise

SukhaRakshak AI

Turns the same signals into drought advice farmers can act on, on their phone, in their language.

Farmers

Why the loop matters: the farmer who gets an early warning can protect the crop, and the insurer who sees the same warning can plan surveys and settle faster. Less loss, fewer disputes.

AgRISE

See risk early. Settle claims fairly.

Built for PMFBY insurers at state, district and taluk level. Every number shows its source and date, and nothing pretends to be a payout formula.

Crop sensor

A sub-district risk map that blends seasonal outlook, observed drought and crop exposure into one Crop Risk Score (0–100).

Risk map →

Portfolio analytics

Sum insured by state and crop, how much sits at Moderate risk or worse, and which districts are already in an anticipatory-action phase.

Portfolio outlook →

Crop health bulletin

A twice-weekly snapshot turned into a printable Rabi bulletin: key messages per state, main crop and the units to watch.

Bulletin →

Claims & evidence

Five PMFBY pathways with the signals that matter, plus an evidence pack per unit: every indicator, source, date and why it counts.

Claims pathways →

Parametric index lab

Design RWBCIS-style rainfall triggers and test them against 25 years of real CHIRPS hindcast before a rupee is committed.

Index lab →

Smart CCE sampling

Put crop-cutting experiments where loss is most likely, so field effort follows the risk, not a flat quota.

Coming next

Five risk levels

From steady rain to crop failure

Every insurance unit gets one level. A forecast alone can never push a unit past Moderate; observed stress on the ground has to confirm it.

Normalbelow 25
Rain on track, crop healthy
Mild25 to 44
Rain falling short, watch closely
Moderate45 to 59
Dry spell, crop showing stress
Severe60 to 79
Drought confirmed, losses likely
Extreme80 and above
Crop failure, act now

Where the data comes from

IWMI ENSO Outlook

ENSO Outlook tracks El Niño and La Niña and what they mean for rainfall, drought and floods. It runs an anticipatory-action engine that moves each district through Ready → Set → Go, and serves the satellite indicators behind it through an open API.

AgRISE calls that API twice a week: one call for the trigger state of all 594 Indian districts, then Earth Engine point calls for rainfall, vegetation and dry spells in every sub-district.

Visit enso.iwmi.org ↗

HoldReadySetGo

138portfolio districts tracked

14in Set or Go (30 Oct snapshot)

25years of rainfall hindcast

6,200API calls per refresh

Outlook IRI seasonal tercile probabilities
Observed SPI, rainfall percentile, VHI, NDVI anomaly
Exposure IFPRI SPAM 2020 crop area

To the farmer

SukhaRakshak AI: the drought guardian in a farmer's pocket

Sukha means drought; rakshak means protector. SukhaRakshak is IWMI's AI drought assistant. Farmers and field teams ask a question and get advice grounded in forecasts, satellite data and official drought manuals.

Drought predictionSADMS forecasts for the coming weeks

Monitoring & weatherSADMS monitoring + Open-Meteo forecasts

Satellite layersGoogle Earth Engine indicators

Drought knowledgeDrought manuals & district contingency plans, searched by meaning

Local languageAnswers translated for the farmer

Bulletins & reportsStored and shared from the cloud

SukhaRakshak AI

My paddy leaves are rolling and drying. What should I do?

Your area has had 21 dry days and crop stress is rising. Save water for flowering, when paddy needs it most, and keep the field weeded so the crop gets every drop.

Same signal, two jobs. Get the app.

When AgRISE flags a taluk, SukhaRakshak carries that warning to the farmers there as practical advice. The insurer gets time to plan; the farmer gets time to act.