<h1>Crop insurance coverage for wild animal attacks and paddy inundation expanded under PMFBY, triggering state notifications and claim procedures.</h1> Crop losses from wild animal attacks will be recognised as the fifth Add-on Cover under the Localised Risk category of the Pradhan Mantri Fasal Bima Yojana and will be implemented from Kharif 2026. States must notify the list of responsible wild animals and vulnerable districts or insurance units based on historical data. Farmers are required to report losses within 72 hours through the Crop Insurance App with geotagged photographs. Paddy inundation due to heavy rains and floods will also be covered, with modalities prepared under PMFBY operational guidelines for technology-based, timely claim settlement.