Saturday, February 14, 2026
Home Blog Page 474

As storm season arrives, make sure you are not underinsured

0

As Severe Weather Preparedness Week draws to a close, many across Kansas have made
plans for the arrival of storm season. But while you should certainly prepare your home and family for the risk of severe weather, do not overlook your insurance policies in your preparation. If you have not checked in with you agent or reviewed your policies recently, you could be underinsured and not know it.

“If you are underinsured and a storm causes major damage to your property, you could have a nasty surprise when you are stuck paying thousands of dollars out-of-pocket,” said Kansas Insurance Commissioner Vicki Schmidt. “Take the time now to check with your agent to understand and address any coverage gaps you may have before storm season arrives.”

Underinsurance refers to when you have an insurance policy that does not provide enough coverage to pay for the full cost of a claim. Often homeowners can become underinsured if they have made changes to their property like renovations or additions, or they have not updated their coverage to keep up with construction costs.

Here are a few tips to make sure that your policies are up to date before severe weather season:
Check with your agent or insurance company. First and foremost, review your current coverages with your agent or insurer right away. It is always a good idea to do a yearly insurance review, but even more so if you have made major changes to your property.

Consider your auto coverage as well. Hail and wind can take their toll on your vehicle just as much as your home. If you have liability coverage only, you may want to weigh the benefits of getting comprehensive coverage. Liability alone won’t cover hail damage or if a tree branch falls on your car. Just like your home coverage, review and understand what your policy does and does not cover when it comes to your vehicle.

Shop around for better coverages and premiums. With inflation and rising costs, it can feel like you are spending more than you should for coverage. But there are options, and shopping around for coverage that better fits your needs can lead to savings that help offset rising premiums. Additionally, be sure to check ifnthere are discounts you may qualify for.

The Kansas Department of Insurance has several insurance shopping guides that you can find online at insurance.ks.gov/department/publications.php. This storm season, if you are If you or someone you know is having trouble with an insurance claim, please contact the Department’s Consumer Assistance Division toll-free at 1-800-432-2484, by email at [email protected] or online at insurance.kansas.gov for any claims-
related questions or concerns.

What does the Farmers’ Almanac predict for Kansas upcoming spring? Here’s what to expect.

0

As Kansas prepares for winter to end, many are crossing their fingers for warmer, mild weather.

However, if the Farmers’ Almanac has predicted correctly, Kansans should prepare for colder temperatures, as well as thunder and snowstorms, this spring.

The almanac, which has been predicting weather (with varying accuracy) since 1818, recently released its extended weather forecast for the upcoming spring, titled “Polar Coaster Spring.”

Here’s what the Farmers’ Almanac has predicted for the spring and how that could impact Kansans.

What is the Farmers’ Almanac predicting for Kansas’s upcoming spring weather forecast?

“Ski-lovers rejoice,” the almanac writes. “We’re heading for a ‘Polar Coaster Spring.’ Farmers’ Almanac long-range weather forecast calls for many days of cold temperatures.”

The almanac’s 200-year-old mathematical and astrological formula indicates the Great Plains will see plenty of cold temperatures and “occasional bouts of storminess,” bringing widespread rains and snows.

March will bring wild swings in the thermometer, the almanac writes, so Kansans should expect March to go out like a lion, with similar “cool and stormy” conditions predicted for the majority of the United States into the spring.

Over Easter weekend ― Thursday, March 28, through Sunday, March 31 ― Kansas and the north-central U.S. region should expect mixed clouds … at least according to the almanac, as well as the possibility of snow in April.

The almanac predicts cool temps and storms will continue into May.

Kansas should expect cool and drier weather.

How accurate is the Farmers’ Almanac forecast?

The Farmers’ Almanac has released extended weather forecasts every year since 1818, using the same forecast formula. The almanac states that its readers find its predictions to be accurate about 80% to 85% of the time. However, the Columbus Dispatch found that most analyses of the almanac’s predictions have indicated an accuracy rate of 50%. If that’s the case, you might as well flip a coin.

Last year, the almanac predicted a “cold and stormy” winter for Midwest states in its extended winter weather forecast for winter 2023-2024.

Topeka saw 3.1 inches of snow in early January. Snowfall totals were reported of 5.1 inches at McLouth, 5 inches at Ottawa, 4.5 inches at Abilene and 4 inches at Lawrence, said Matt Wolters, meteorologist for National Weather Service’s Topeka office.

Snow, followed by high winds, had the Evergy electrical utility scrambling to keep up with the number of power outages it was seeing in northeast Kansas. More than 2,100 homes and businesses in the Topeka area were affected with more than 22,000 affected in the greater Kansas City area, Evergy said on an online power outage map it maintains.

So, as we go through March, it’s safe to say that the almanac’s extended winter forecast has been relatively accurate so far.

Where can I find the Farmers’ Almanac spring weather forecast?

The Farmers’ Almanac “Polar Coaster Spring” spring 2024 extended weather forecast can be found online.

USDA Provides Emergency Conservation Funds to Help Texas Farmers Recover from Wildfires

0

The U.S. Department of Agriculture (USDA) is opening a special disaster sign-up for $6 million in additional funding through the Environmental Quality Incentives Program for producers in the Texas panhandle who have been impacted by recent wildfires. Producers must submit applications to USDA’s Natural Resources Conservation Service (NRCS) by April 8, 2024, to be considered for this funding opportunity.

“The Natural Resources Conservation Service in Texas is prepared to assist landowners with their efforts to address resource concerns caused by the recent wildfires,” said Kristy Oates, NRCS State Conservationist in Texas. “Loss of vegetation not only affects forages for livestock and wildlife habitat, but it can lead to increased soil loss due to erosion from wind and water. We know many of our Texas producers were hit hard by this disaster and we are here to help.” 

Assistance includes practices aimed at replacing damaged infrastructure such as fencing and water resources, as well as management and recovery of affected lands. Eligible practices for the wildfire disaster funding include:

  • Access Control
  • Prescribed Grazing
  • Obstruction Removal
  • Emergency Animal Mortality Management
  • Fence
  • Water Facilities
  • Pumping Plant
  • Livestock Pipeline
  • Range Planting
  • Cover Crop
  • Critical Area Planting
  • Conservation Cover
  • Grazing Land Mechanical Treatment
  • Heavy Use Area Protection
  • Mulching
  • Structure for Water Control
  • Pasture and Hay Planting
  • Upland Wildlife Habitat Management
  • Wildlife Habitat Planting
  • Woody Residue Treatment

For more information about applying for EQIP assistance or help with evaluating land to address concerns following the wildfire, landowners and managers should contact their local USDA Service Center.

NRCS Assistance for Communities

NRCS also administers the Emergency Watershed Protection (EWP) program, which provides assistance to local government sponsors with the cost of addressing watershed impairments or hazards such as debris removal and streambank stabilization.

The EWP Program is a recovery effort aimed at relieving imminent hazards to life and property caused by floods, fires, windstorms and other natural disasters. All projects must have an eligible project sponsor. NRCS may bear up to 75% of the eligible construction cost of emergency measures (90% within county-wide limited-resource areas as identified by the U.S. Census data). The remaining costs must come from local sources and can be in the form of cash or in-kind services.

EWP is designed for installation of recovery measures to safeguard life and property as a result of a natural disaster. Threats that the EWP Program addresses are termed watershed impairments. These include, but are not limited to:

  • Debris-clogged waterways
  • Unstable streambanks
  • Severe erosion jeopardizing public infrastructure
  • Wind-borne debris removal.

Eligible sponsors include cities, counties, towns or any federally recognized Native American tribe or tribal organizations. Sponsors must be able to provide the local construction share, obtain permits and site access and agree to perform operations and maintenance of the constructed projects. Willing sponsors must submit a formal request (by mail or email) to the state conservationist for assistance within 60 days of the natural disaster occurrence or 60 days from the date when access to the sites become available. For more information, potential sponsors should contact their local NRCS office.

In addition to EWP, Conservation Technical Assistance is another valuable service that NRCS can provide following a wildfire. NRCS technical assistance can help fire victims with planning cost-effective post fire restoration practices.

Spring Holidays are a Treat, Don’t Let Bacteria Ruin Your Feast

0

It’s a special time of year, where friends and family from coast to coast will gather for a rare occurrence: the three major holidays of Easter, Eid, and Passover all falling within the spring season. People who observe these faiths will gather with friends and family to enjoy traditional meals.

“The holiday season is a special time to gather with friends and family and enjoy traditional meals,” said USDA Under Secretary for Food Safety Dr. Emilio Esteban. “Whether you’re celebrating your Easter dinner with ham, Eid lunch with lamb, or Seder meal with brisket, remember to keep food safety at the forefront.”

These holiday meals often have cultural significance and may require foods to be prepared early, so that religious obligations are completed prior to gathering and enjoying the meals. This provides an extended opportunity for foodborne illness to ruin major holiday dishes. The U.S. Department of Agriculture’s (USDA) Food Safety and Inspection Service (FSIS) wants to keep your celebrations going with some tips on how not to be at risk for foodborne illness.

Here are six pieces of advice from the USDA to keep your holiday meals safe:

#1 Keep Hands Clean Before, During, and After Food Prep

Handwashing is the first step to avoiding foodborne illness. In a recent USDA study, 96% of handwashing attempts failed due to not including all the necessary steps. Wash your hands for at least 20 seconds with soap and water before and after handling food and when switching between ingredients.

#2 Prevent Cross-Contamination of Surfaces and Foods

Cross-contamination is the spread of bacteria from raw meat and poultry onto ready-to-eat food, surfaces, and utensils. Avoid this by using separate cutting boards — one for raw meat and poultry, and another for ready-to-eat foods such as fruits and vegetables. Clean and sanitize any areas where meat and poultry have touched before and after cooking. Cleaning with soap and water physically removes the germs, and sanitizing kills any that may remain. Many different sanitizers can be used: an easy homemade version is to make a solution of 1 tablespoon of liquid chlorine bleach per gallon of water, or you can use a commercial sanitizer or sanitizing wipe.

#3 Thaw Meat and Poultry Safely

Leaving any frozen package of meat or poultry for more than two hours on the counter at room temperature is dangerous. Even though the center of the package may still be frozen, the outer layer of the food is in the “Danger Zone” between 40 and 140 F — a temperature where foodborne bacteria multiply rapidly and cause foodborne illness. Plan for refrigerator, cold water, or microwave thawing instead.

#4 Cook to a Safe Internal Temperature

Color is never a reliable indicator of safety and doneness. Use a food thermometer to ensure the following safe internal temperatures:

  • Cook fish to 145 F.
  • Cook beef, pork, lamb and veal steaks, chops and roasts to 145 F. For safety and quality, allow meat to rest for at least three minutes before carving or consuming.
  • Ham, fresh or smoked (uncooked): 145 F
  • Cook ground meats, including beef, pork, lamb and veal to 160 F.
  • Cook egg dishes to 160 F.
  • Cook poultry (whole or ground) to 165 F.

When reheating already cooked meat, poultry or egg items that have cooled, they should be reheated to at least 165 °F. USDA recommends reheating cooked meat, poultry or egg products on the stove top, in the oven, or in a microwave.

#5 Keep Hot Foods Hot, and Cold Foods Cold

Food should not be left in the Danger Zone for more than two hours (called the two-hour rule). After two hours, bacteria can reach dangerous levels that can cause foodborne illness. Perishable foods, such as kebabs or brisket, should be discarded if left out for longer than two hours.

To prevent food waste, refrigerate or freeze perishable items within two hours, or keep hot foods hot and cold foods cold. Keep cold foods at a temperature of 40 F or below by keeping food nestled in ice or refrigerated until ready to serve. Keep hot foods at a temperature of 140 F or above by placing food in a preheated oven, warming trays, chafing dishes or slow cookers.

#6 Use or Freeze Leftovers within Four Days

Leftovers (including appetizers, side dishes and main courses) should be stored within two hours of cooking. Divide leftovers into smaller portions and refrigerate or freeze them in shallow containers, which helps leftovers cool quicker than storing them in large quantities. Place leftovers into airtight containers to help keep bacteria out and retain moisture.

Leftovers can be kept in the refrigerator for three to four days or frozen for three to four months. Although safe indefinitely, frozen leftovers can lose moisture and flavor when stored for longer times in the freezer.

If you have food safety questions, call the USDA Meat and Poultry Hotline at 1-888-MPHotline (1-888-674-6854), email [email protected] or chat live at www.ask.usda.gov from 10 a.m. to 6 p.m. Eastern Time, Monday through Friday.

It’s time to embrace the power of flowers this spring

0

There’s no time like the present — especially when it comes to plants for a spring garden. Much of the state has experienced early spring weather, which means the sooner you can get to certain garden tasks, the better off your yard will be.

For everyone who has “embraced the ugly” and practiced pruning restraint, now is the time to start making your garden beautiful for spring, said Larry Stein, Ph.D., Texas A&M AgriLife Extension Service horticulture specialist at Uvalde and professor in the Texas A&M College of Agriculture and Life Sciences Department of Horticultural Sciences.

“If you’ve got new growth, simply cut the old shoots back to the new ones,” Stein said. “The old shoots will then offer the new shoots a bit of protection from the wind for now.”

But Mother Nature can be fickle, so gardeners should also be prepared to cover delicate plants should a spring frost occur. Plants already blooming or showing significant growth may also be better off being pruned later.

Top Garden Tips for March

Stein offered the following tips for gardeners this month:

1. Early March is the time for pruning evergreens and summer-flowering trees and shrubs. However, you may want to take a wait-and-see-approach this year with your spring-flowering trees and shrubs and postpone a prune until they finish blooming.

2. Reference Aggie Horticulture for your area’s average last killing freeze date. Remember that killing freezes can occur after this date. Plant warm-season vegetables from seed, according to the planting guide on Aggie Horticulture.

3. Waiting to prune fruit trees due to the early spring is also fine if you plan to wait and see what kind of fruit crop is set and then prune to thin the crop.

4. Prepare beds for planting flowers and vegetables if you haven’t done so yet. Consider using a garden tiller to speed up the process; however, a garden fork and some muscle will still do an excellent job. For every 100 square feet of bed area, work in a several-inch layer of either compost, pine bark or sphagnum peat moss, plus 5 pounds of balanced fertilizer.

5. Tomato and pepper plants started outdoors from seed can grow so quickly that they will catch up with commercial plants within a few weeks. For many gardeners, this is the only way to obtain rare or heirloom varieties. Because this has been a winter with erratic weather patterns, keep an eye on young tomato transplants so they may be covered if the threat of a late frost occurs. Don’t be in a hurry to set out young pepper plants; wait until the temperatures seem to be settled.

6. Beware of close-out sales on bare-root trees and shrubs. The chance of survival is rather low on bare-root plants this late in the season. Your best bet at this time of year is to depend on container-grown plants for landscape use.

Increase your flower power

Stein said there are practices gardeners can implement for landscape flowers and wildflowers for the upcoming season.

“Enjoy spring blooming wildflowers and do not mow until they have set and realized their seed,” he said. “Also, remember wildflowers will respond to fertilizer just as other plants do.”

March is also a time to thin larkspur and other wildflower seedlings. Plants will bloom much better if thinned to about 4 inches apart. Transplant or share the extras with gardening friends.

Stein said spring flowers and wildflowers may also need some water if conditions have been dry.

“If you have not had a 1-inch rain or so recently, go ahead and give them at least half an inch of water,” he said.

Baskets of petunias and other annuals can be hung for another dimension in landscape color. Plant dahlia tubers in fertile, well-drained soil. Select and order caladium tubers as well as geranium and coleus plants for late April and early May planting, but do not plant caladiums until the soil temperature reaches 70 degrees.

“Blue plumbago can be planted now for season-long low-maintenance color,” Stein said. “It is usually cold hardy to Zone 8 and in sheltered places elsewhere.”

Although tolerant of sunny conditions, blue plumbago prefers a little protection from the hot afternoon sun. It is quite drought tolerant and blooms from spring till frost.

Stein said if you have one attractive begonia plant you love, you can make the most of it and multiply it by carefully rooting stem cuttings.

Summer and fall flowering perennials also need attention now. Before they initiate their spring growth, dig and divide them. March is also an ideal time to repot overgrown container plants as well as plant containers of tropical plants for a stunning display of summer color.

As camellia and azalea plants finish blooming, fertilize them with an azalea-camellia fertilizer. Use the product label as the guide to the amount. Check mulch on azalea and camellia beds and add where needed. Also make sure to fertilize roses every four to six weeks until September.

Stein said in North Texas, there is still time to plant seeds of favorite annuals in flats to be transplanted outdoors when all danger of frost is past.