Final answer:
Wind damage option (4) can often be added to crop-hail insurance as an additional peril. While other perils like flooding, drought, and pest infestations are significant risks to crops, they are not typically covered under crop-hail insurance. Plants can be engineered to resist such stresses.
Step-by-step explanation:
The question revolves around crop-hail insurance and which additional perils can be covered. Option 4, wind damage, is typically an additional peril that can be added to a crop-hail insurance policy.
While flooding, drought, and pest infestations certainly pose significant risks to crops, they are not as commonly covered by crop-hail insurance as wind damage due to the complex and diverse nature of these perils. It's essential to note that insurance providers may offer separate or supplemental coverage for such events.
Crops can be engineered or bred to have certain traits that may help them withstand extreme conditions, such as drought resistance or pest resistance. For instance, increasing the salinity tolerance of plants can help utilize land affected by increasing salts in the soil, and introducing resistance to pests can protect crops from devastating infestations.
Farmers and scientists constantly explore ways to enhance crop durability against various perils to ensure food security.