What counts as a localized calamity under PMFBY and what does not?

Under PMFBY the localized calamity head covers losses to individual insured fields from specific named perils, mainly hailstorm, landslide, inundation, cloudburst and natural fire due to lightning. The key idea is that these hit scattered or individual plots rather than the whole notified area. So your hail-flattened field is exactly the kind of case the localized cover is meant for, and it is assessed on your individual field, not by the area average. What does not count here are widespread perils that affect the whole notified unit, like a general drought or a season-long deficit, because those are handled through the wider yield-based assessment for the area. Two other things to remember. You must report a localized loss quickly, generally within 72 hours, through the insurer toll-free number, the bank, the agriculture office or the crop insurance app. And the loss must be from one of the notified localized perils, not from pests or routine causes. Confirm the exact notified perils for your state on the PMFBY portal as the list can vary.