Korea Farm Disaster Household Damage Rate and Policy Loan Relief Calculator
Weight each parcel’s damaged area and confirmed rate over all land cultivated at the time to find the Korean household damage rate, the 30% and 50% loan deferral bands, the 10-day reporting deadline and how your policy loan schedule and cash flow change.
The crop household damage rate is Σ(damaged area × damage rate) divided by all land cultivated at the time, including leased land, not only damaged parcels. At 50% or more, eligible policy loans are reviewed for 2 years of deferral and interest relief; at 30% to under 50%, for 1 year, within the loan limit.
File the natural disaster damage report with the municipality or local office within 10 days after the disaster ends. Final rates come from the official survey and eligible loans from the cooperative; this is not an approval or a grant calculation.
1. Disaster end, reporting deadline and basic checks
The disaster ends when the weather warning is lifted or the damage period from that warning ends. Add a date if an unavoidable reason (such as long travel) applied or the municipality announced an extension.
2. Damage table by parcel and crop
Use one row per crop when a parcel grows more than one. Enter the rate from the local survey register; mark it as your own estimate if the survey has not happened yet. Young orchard trees are left out of the damaged area unless washed away or buried.
3. Livestock and facility damage (optional) and basis
Livestock and silkworms use dead ÷ total head, and barns or greenhouses use damaged ÷ total facility area. They are calculated separately and never added to crops. Confirm with the municipality which item decides the band.
4. Policy loan ledger and cash plan
Enter the balance, yearly principal and contract rate from the loan agreement or cooperative records. Only funds on the 54-item notice annex that the cooperative confirms are moved. Supported principal is the amount within the loan limit the cooperative confirms; leave it blank to assume the full balance.
Review results
More inputs are needed to calculate the damage rate
Basis damage rate · Crops (damaged area × damage rate by parcel)
Unconfirmed
The band appears once inputs are complete.
Damage report deadline
Enter the disaster end date
Enforcement Rule Article 6 requires reporting “without delay”, so report as soon as you find damage.
Rate by item (never added together)
| Item | Rate | Band |
|---|---|---|
| ★ Crops (damaged area × damage rate by parcel) | — | No input |
| Livestock and silkworms (dead ÷ total head) | — | No input |
| Barns, greenhouses and other facilities (damaged ÷ total area) | — | No input |
Converted loss and restoration review by parcel
| Parcel / crop | Restoration review | Cultivated m² | Damaged m² | Rate | Converted m² |
|---|---|---|---|---|---|
| Parcel 1 | Input needed | Unconfirmed | Unconfirmed | Unconfirmed | Unconfirmed |
Policy loan schedule (outside the band · no change)
| Fund | Status | Eligible principal | Deferred principal | Interest relief | Year 1 before→after | Year 2 before→after | Year 3 before→after |
|---|---|---|---|---|---|---|---|
| Agricultural and livestock operating fund | Balance, principal and rate needed | Unconfirmed | 0 | 0 | — | — | — |
Yearly payments and cash margin (same available cash and spending each year)
Funds missing a balance, yearly principal or rate are left out of the payments. The cash margin appears once every fund is complete.
| Year | Payments before | Payments after | Cash margin before | Cash margin after |
|---|---|---|---|---|
| Year 1 | 0 | 0 | — | — |
| Year 2 | 0 | 0 | — | — |
| Year 3 | 0 | 0 | — | — |
Totals: deferred principal 0 KRW · interest relief 0 KRW
Deferred principal is not forgiven; it resumes when the deferral ends. If a year shows larger payments after relief, prepare for that cash gap early.
Checks
- Is this a farm household that farms directly for its living (or a farming association or agricultural company)?Unconfirmed
- Has this event been designated as a national or local farm-disaster support event?Unconfirmed
- Are there no exclusions such as river-permit farming, ignored evacuation orders or deliberate neglect?Unconfirmed
- Every damaged parcel rate is confirmed by an official or joint surveyUnconfirmed
- Enter the disaster end date to see the reporting deadlineUnconfirmed
- 1 fund(s) need cooperative confirmation, supported principal or inputsUnconfirmed
Records to prepare
- Natural disaster damage report (Regulation Form 1) and photos
- Cultivated area by parcel, lease contracts and farm business registration
- Parcel and crop rates from the local survey register
- Cooperative loan statement and repayment schedule
- Crop insurance loss assessment if insured (same-type insurance payouts reduce grants)
Korean farm disaster relief depends on the household damage rate, not a single parcel
This calculator is based on Korean rules in force in 2026: the Agricultural and Fishery Disaster Countermeasures Act, the Ministry of Agriculture (MAFRA) Farm Disaster Damage Survey Guideline No. 74 and MAFRA Notice 2022-120.
When typhoons, heavy rain, hail or cold snaps damage crops, a Korean farm household files for disaster aid and reviews deferral and interest relief on its agricultural policy loans.
The deciding figure is not the rate of the worst parcel but the household damage rate across all land the household was cultivating when the disaster struck.
The calculator weights each parcel’s damaged area and confirmed rate over the total cultivated area, then shows the 30% and 50% relief bands, the reporting deadline and how the policy loan schedule changes.
The most common mistake is averaging only the damaged parcels.
Leaving undamaged fields and leased land out of the denominator makes the rate look higher, so a household may plan around a 2-year deferral and then be confirmed in the 1-year band, or give up near the 30% line.
Disaster grants also require a damage report within 10 days after the disaster ends, so check the deadline before waiting for the rate.
The next step this calculator supports
Save the parcel damage table and policy loan ledger as CSV and compare them with what you will submit when reporting to the local (eup, myeon or dong) office.
Then ask your local agricultural cooperative (Nonghyup, including commodity cooperatives) whether each loan is an eligible fund and how much can be deferred within the loan limit.
Results are not an official rate decision or loan approval, and the calculator does not compute disaster grants or restoration amounts.
Household damage rate formula (Guideline No. 74, Article 10)
Article 10(2) of MAFRA Guideline No. 74 on farm disaster damage surveys (effective January 1, 2026) calculates the household damage rate for management stabilization support, high-school tuition exemption and policy loan deferral with interest relief.
For crops, officials survey the damaged area and damage rate by parcel and crop, then take the share of unharvestable converted area over the crop area cultivated at the time of damage, including leased land.
Crop household damage rate
Household damage rate = Σ(damaged area × damage rate by parcel and crop) ÷ total cultivated area at the time of damage (incl. leased land)
The numerator converts damage into unharvestable area, and the denominator includes undamaged parcels and leased land.
If part of the crop was already harvested, the rate reflects the harvested share for each parcel and crop.
Young orchard trees are excluded
Young fruit trees are not counted in the damaged area.
They are counted only when washed away or buried.
Ticking the young-orchard box removes the row from the numerator while keeping its area in the denominator.
Livestock and facilities are separate
Livestock and silkworms use dead head ÷ total head kept, and barns or greenhouses use damaged facility area ÷ total facility area.
The guideline gives no rule for adding items, so the calculator never adds crops, livestock and facilities and lets you choose the item used for the band.
Crops without a rate standard use a similar crop’s standard, and the flooding-day and growth-stage tables sit in the guideline annex on crop damage rates.
Because field judgment is required, the calculator does not diagnose rates; it asks for rates confirmed by an official or joint survey.
Relief bands at a glance
One household rate decides several kinds of support.
The table lists thresholds from the 2026 notice, guideline and cost-sharing regulation; amounts are fixed separately by other notices and restoration plans.
| Measure | Damage rate | Support reviewed | Basis |
|---|---|---|---|
| Household | 30% to under 50% | 1-year policy loan deferral and interest relief | Notice 2022-120 Article 3, Guideline Article 10 |
| Household | 50% or more | 2-year policy loan deferral and interest relief | Notice 2022-120 Article 3, Guideline Article 10 |
| Household | 50% or more | Management stabilization support, high-school tuition exemption | Regulation Annex 1, notes 1–2 |
| Parcel and crop | 70% or more | Replanting cost review | Guideline Article 8-2, item 1 |
| Parcel and crop | 20% to under 70% | Pesticide cost review | Guideline Article 8-2, item 2 |
Recheck anything within 1 pp of a line
Households at 29.6% or 49.8% can move bands after a resurvey or rounding.
The calculator warns within 1 pp of 30% or 50% and shows the converted area in m² still needed for the next threshold.
Replanting and pesticide costs also need a cause
Replanting support applies when washing away, burial, flooding, drought, cold or heat requires replanting; pesticide support applies to flooding, submergence, wind lodging or fruit drop, drought, cold or heat that requires spraying.
Under Regulation Annex 1, replanting is 50% grant, 30% loan and 20% own share, and pesticide cost is a 100% grant.
Reporting deadline: 10 days after the disaster ends
Under Article 9(2) of the Regulation on Natural Disaster Relief and Recovery Cost Sharing and Article 7(1) of the guideline, anyone seeking disaster grants or disaster loans must file the natural disaster damage report with the mayor, county head, district head or local office of the damage site or home address within 10 days after the disaster ends.
Article 6(1) of the Administrative Basic Act applies Civil Act period rules, so the end day itself is not counted and counting starts the next day.
For a disaster ending on July 20, the deadline is July 30.
- The disaster ends when the weather warning is lifted or the damage period caused by that warning ends (Guideline Article 2, item 5).
- With an unavoidable reason such as long travel, you may report within 10 days after that reason ends (Regulation Article 9(6)).
- The municipality can extend the window for large disasters or transport and communication problems; enter the announced date if there is one (Regulation Article 9(7)).
- Enforcement Rule Article 6 requires reporting damage to the local office without delay, so report as soon as you find damage.
- If the deadline falls on a weekend, Civil Act rules may carry it to the next weekday, but the calculator treats the original date as the deadline and shows the next weekday only for reference.
If you missed the deadline
Regulation Article 8(3)3 requires local governments to support recovery costs even when a household could not report within the window and therefore missed disaster grants.
Do not give up: tell the local office about the damage right away and ask about local support.
When the national government supports
Under Enforcement Rule Article 2, national support applies when crop damage in a city, county or district reaches 50 ha (30 ha for frost, hail or heavy snow, 10 ha for harmful wildlife) or facility, farmland and livestock damage reaches KRW 300 million.
Smaller events are supported by local governments under Article 4 of the same rule.
When support is excluded
Facilities under construction, farming on river-occupancy permits (with exceptions such as heavy snow, earthquakes, drought and strong wind), ignored evacuation orders, intent or gross negligence and minor damage under a disaster index of 300 are excluded from national support (Regulation Article 6, Guideline Article 4).
Refusing a damage survey or deliberately neglecting recovery can also limit support (Act Article 10).
Policy funds eligible for deferral and interest relief
Article 4(2)9(c) of the Agricultural and Fishery Disaster Countermeasures Act provides deferral of repayment and interest relief on operating funds and other agricultural policy funds designated by MAFRA to stabilize the livelihood and operations of damaged farm households.
The annex to MAFRA Notice 2022-120 on policy funds for indirect support lists 54 funds, and a fund still counts if its program name changed or the program ended while repayment continues.
Operating funds
Disaster countermeasure loans, agricultural and livestock operating funds, comprehensive agricultural funds, emergency management stabilization funds, farm management rehabilitation funds and feed purchase funds.
Startup, successor and housing
Young successor farmer funds, return-to-farm startup and housing funds and rural housing improvement funds.
Facilities and farmland
Greenhouse horticulture modernization, new smart farm greenhouses, livestock barn modernization, orchard quality facilities and farmland purchase.
Cooperative confirmation and the loan limit
Guideline Article 10(2)2(d) fixes the loans of eligible households only after confirmation by the agricultural cooperative, including commodity cooperatives.
Notice Article 3 limits support to within the loan limit, so you can enter the supported principal the cooperative confirms.
Leaving it blank assumes the full balance and keeps the item unconfirmed.
Funds outside the list or still unconfirmed are not moved; the calculator shows only what could move once confirmed.
Neither the notice nor the guideline sets the interest relief percentage.
The calculator therefore takes an assumed relief rate (100% by default) and labels the result as a reference amount of interest relief.
If a special disaster area is declared, Article 70 of the Enforcement Decree of the Framework Act on Disaster and Safety Management can add priority loans and repayment grace, so check the separate announcement.
Worked example: a four-parcel household at 36%
This fictional example matches the calculator’s fictional example button.
All rates are assumed to be confirmed in the local survey register, and the other undamaged cultivated area, including leased land, is 6,000 m².
| Parcel / crop | Cultivated m² | Damaged m² | Rate | Converted m² | Restoration review |
|---|---|---|---|---|---|
| A rice paddy | 6,000 | 6,000 | 80% | 4,800 | Replanting review |
| B chili pepper | 3,000 | 2,000 | 60% | 1,200 | Pesticide review |
| C apple | 4,000 | 4,000 | 30% | 1,200 | Pesticide review |
| D young apple trees | 1,000 | 1,000 | 50% | 0 | Young orchard excluded |
| Other undamaged land | 6,000 | 0 | — | 0 | — |
7,200 m² converted loss ÷ 20,000 m² total = 36.00%
4,800 + 1,200 + 1,200 = 7,200 m² of unharvestable converted area, and the denominator is the four parcels’ 14,000 m² plus the other 6,000 m², or 20,000 m².
The household damage rate is 36.00%, inside the 1-year deferral and interest relief band.
It sits 1,200 m² (6.00 pp) above the 30% line and is 2,800 m² (14.00 pp) short of 50%.
It is below the 50% line for management stabilization support and tuition exemption.
Dividing by damaged parcels only shows 51.43%
Dividing the same 7,200 m² by only the damaged parcels’ 14,000 m² gives 51.43%, which looks like the 2-year band.
The guideline uses all land cultivated at the time, so the real figure is 36.00%; planning around a 2-year deferral would bunch principal into year 2.
Policy loan schedule and cash flow example
Assume the same household holds three policy loans.
Rates and balances are fictional and may differ from real contracts.
Interest relief is assumed at 100%.
| Fund | Balance | Yearly principal · rate | Status | Deferred principal | Interest relief |
|---|---|---|---|---|---|
| Agricultural and livestock operating fund | 20,000,000 | 20,000,000 · 1.5% | Confirmed · moved | 20,000,000 | 300,000 |
| Young successor farmer fund (supported principal 100,000,000) | 150,000,000 | 15,000,000 · 1.5% | Confirmed · two-thirds eligible | 10,000,000 | 1,500,000 |
| Local interest-subsidy loan (outside the list) | 10,000,000 | 5,000,000 · 4.0% | Unconfirmed · not moved | 0 | 0 |
| Year | Payments before | Payments after | Cash margin before | Cash margin after |
|---|---|---|---|---|
| Year 1 | 42,950,000 | 11,150,000 | -30,950,000 | 850,000 |
| Year 2 | 22,225,000 | 42,675,000 | -10,225,000 | -30,675,000 |
| Year 3 | 16,800,000 | 16,950,000 | -4,800,000 | -4,950,000 |
Year 1 falls by KRW 31,800,000
Deferral pushes KRW 30,000,000 of principal back and removes KRW 1,800,000 of relieved interest, cutting year-1 payments from 42,950,000 to 11,150,000.
The KRW 12,000,000 left from 40,000,000 of insurance and sales after 28,000,000 of living and replanting costs now covers year 1.
The year-2 principal cliff
Deferred principal is not forgiven; repayment resumes the next year.
Year-2 payments therefore rise to 42,675,000 instead of 22,225,000, and the cash margin becomes -30,675,000.
In the 1-year band, prepare the year-2 cash plan and talk to the cooperative about extra loans or new terms early.
The model uses simple yearly interest on the opening balance and a fixed yearly principal.
Real loans use daily or monthly interest and different payment dates, so confirm with the cooperative’s repayment schedule.
Step-by-step use
- Enter the disaster end date to see the reporting deadline and days left first.
Add dates for an unavoidable reason or a municipal extension if they apply. - Confirm the farm household requirement, the support designation and that no exclusion applies.
Leave unknown items unconfirmed. - For each parcel and crop, enter the cultivated area, damaged area and rate, and mark whether the rate comes from the survey register or your own estimate.
- Put undamaged parcels and leased land under other cultivated area to complete the denominator.
- If livestock or facilities were damaged, enter head counts and areas and choose the basis item.
- Enter each policy loan’s fund, balance, yearly principal, rate and cooperative confirmation, then cash available and essential spending.
- Read the basis rate and band, the misleading-rate comparison, the moved schedule and the 3-year cash flow, then save the CSV.
A conditional result appears only when every check is met; anything unconfirmed keeps the status at further confirmation needed.
Blank values are never turned into zero; they stay unconfirmed.
When to use it
Right after heavy rain or a typhoon
When damage is widespread, build the parcel table first.
The deadline and days left sit next to it so reporting does not slip.
Households with much leased land
Leased land belongs in both the denominator and the damaged area.
Entering only owned land changes the rate, so compare lease contracts with registered parcels.
Households near 30% or 50%
If little converted area is missing to the next threshold, check the survey register for omitted parcels or damage found after harvest.
Inflating damage, however, is a reason for exclusion and clawback.
Households with several policy loans
Mixing eligible and ineligible funds means payments fall less than expected.
Use each fund’s status and the year-2 resumption to plan the order of cooperative consultations.
Cautions and limits
- The final rate comes from the local detailed survey and municipal review (Guideline Article 10-2: 100 parcels or 10% of area checked), so results are not an administrative decision.
- Disaster grants and restoration costs depend on the disaster index and grade, item unit costs and national or local cost shares, so they are not calculated.
- Same-type insurance or support received under other laws is deducted, but if actual crop insurance payouts are lower than support under this Act, the difference can be paid (Act Article 4(1)).
- Crop, livestock and facility rates are never added together; ask the municipality which item decides the band.
- Enter the interest relief rate, yearly principal and contract rate you confirmed, not market rates.
- Special disaster area support, national tax deadline extensions, health insurance and electricity reductions and national pension grace are linked through agency data sharing under Guideline Article 12(4), so request them when you report.
Frequently asked questions
One parcel is 100% damaged; will the household rate be high?
The household rate divides by all cultivated land.
Undamaged fields and leased land are in the denominator, so one parcel at 100% can still leave the household under 30%.
Do I include land I lease?
Yes.
The guideline includes leased land in the area cultivated at the time.
Enter damage on leased land as damaged area and add undamaged leased land to other cultivated area.
Can I enter my own estimated rates?
You can plan with estimates before the survey, but the final decision uses rates confirmed by an official or joint survey.
The calculator flags further confirmation when estimates are mixed in.
Are all loans deferred automatically at 30%?
No.
A loan must be one of the 54 policy funds in the notice annex, and support runs within the loan limit after the cooperative confirms the loan.
Ordinary credit loans and unlisted loans need separate consultation.
When is deferred principal repaid?
Deferred principal is not waived; repayment resumes after the deferral.
The calculator shifts the original schedule by the deferral years and shows payments in the resumption year.
If I miss the deadline, is all support lost?
Under Regulation Article 8(3)3, local governments can still support households that missed disaster grants because they could not report in time.
With an unavoidable reason, you may report within 10 days after it ends.
Does submitting the CSV count as a report?
The CSV organizes the parcel damage table and loan ledger for consultation.
The actual report uses the natural disaster damage report form (Regulation Form 1) filed with the municipality or local office.
Official sources and check date
The basis is Korean law, guidelines and notices in force in 2026, checked on 2026-10-25.
Through the Korean National Law Information OPEN API we checked the Act MST273323 (effective 2026-08-15), Enforcement Rule MST288751 (effective 2026-08-15), the cost-sharing Regulation MST279945 (effective 2025-11-28) and Article 70 of the disaster framework decree MST288259.
The household rate and deadline come from administrative rule ID2100000270696, Guideline No. 74 (effective 2026-01-01), and eligible funds and periods from administrative rule ID2100000216643, Notice 2022-120.
- Agricultural and Fishery Disaster Countermeasures Act, Articles 2, 4(2)9(c) and 10
- Enforcement Rule, Articles 2, 6 and 7 (eligible events, reporting, inspection)
- Farm Disaster Damage Survey Guideline No. 74, Articles 7, 8-2 and 10
- Notice 2022-120 on eligible policy funds, Article 3 and Annex
- Regulation on Natural Disaster Relief and Recovery Cost Sharing, Articles 8, 9 and Annex 1
- Framework Act on Disaster and Safety Management Enforcement Decree, Article 70 (special disaster areas)
The guideline stays in force until December 31, 2028; recheck the rules when it is amended or when a special disaster area or event-specific support is announced.
When sources differ, rely on the latest original text and confirmation from the municipality and cooperative.
Start with the damage table and loan ledger
Keep damage photos, the parcel list and loan agreements at hand and enter what you can confirm first.
Knowing the deadline, the household rate and the year-2 principal resumption lets you prepare the report and cooperative visit together.
Use the saved CSV for the local damage report and the cooperative consultation.
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