[Excerpt] The U.S. Department of Agriculture (USDA) has at its disposal several programs designed to help farmers and ranchers recover from the financial effects of natural disasters. These are (1) federal crop insurance, (2) the Noninsured Crop Disaster Assistance Program (NAP), (3) livestock and fruit tree disaster programs, and (4) emergency disaster loans for both crop and livestock producers. All have permanent authorization, and the emergency loan program is the only one requiring a federal disaster designation. Most programs receive funding amounts of “such sums as necessary” and are not subject to annual discretionary appropriations.