Crop insurance

The idea of crop insurance is that way farmers don't have to suffer such loss of income if they lose their crop to drought, flood, hail, etc.  But what about the human race? What if we lose our crop due to climate change? Getting money from crop insurance is only useful as long as somebody else has still been able to grow food that you can buy with that money.  Money will be of no use if we can't grow enough food.