The Impact of Climate Change Perception on Agricultural Insurance Adoption Among Food Legumes Farmers:A Case Study from Baicheng City in Jilin Province of China

Like other agricultural products, food legumes production faces uncertainty risks stemming from climate change, which may affect yields and consequently impact farmers' livelihoods. Agricultural insurance serves as one of the climate change adaptation measures available to farmers, helping mitigate the impacts of climate change on agricultural production and livelihoods. Based on a survey of 460 food legumes farmers in Baicheng City, Jilin Province of China, this study employs a binary probit regression model to analyze how perceptions of climate change influence farmers' adoption of agricultural insurance as an adaptation measure. Robustness tests are conducted by using a replacement econometric model and altering the climate change perception variable. Results indicate that food legumes farmers' perceptions of climate change significantly influence their agricultural insurance purchasing behavior. Farmers who perceive lower temperatures and more severe frosts are more inclined to purchase agricultural insurance. Participation in food legumes production cooperatives and prior experience with yield reductions exert significant positive effects on insurance purchase decisions. Therefore, enhancing climate change awareness campaigns, establishing meteorological risk defense mechanisms, and leveraging the driving role of cooperative organizations hold positive implications for reducing farmers' exposure to climate change risks.