Flood is a regular feature that affects crops, livestock and fisheries almost every year. Severity of flood varies from mild to very severe. When affected area and loss from flood has remained less than 25% then its termed as “mild” which is denoted in the table below as “M”; when the loss remained in between 25-50% then its termed as “severe” and is denoted in the table as “S” and when the loss occurred more than 50% then it is termed “very severe” and is denoted below in table as “VS”. Flood generally occurs during May to October and total affected area varies from year to year. Draught normally prevails during winter period, which results in increase of cultivation cost of oilseeds and rabi vegetable crops. However, exceptionally draught occurred during kharif season in 2006, which resulted low coverage of kharif rice.
Table  10 : Information on occurrence of flood and draught

Name of the blocks	Occurrence Of flood/ draught	year	Severity M/S/VS	Area affected (%)	Animal death in Nos.	Farmers affected (%)	Fishery
							Area in  ha	%
MSTD (Jonai)	Draught	2001	M	4.43	25	11	2	5
	Flood	2002	M	6.10	94	16	3	10
	Flood	2003	S	12.01	275	30	6	20
	Flood	2004	VS	21.64	75	58	7	52
	Flood	2005	M	2.38	Nil	5	2	5
Sissiborgaon	Draught	2001	M	2.68	Nil	9	3	5
	Flood	2002	VS	19.64	20	55	8	40
	Flood	2003	S	11.94	95	27	6	30
	Flood	2004	S	17.27	118	50	7	45
	Flood	2005	M	1.10	Nil	2	2	20
Dhemaji	Draught	2001	M	4.99	Nil	10	2	20
	Flood	2002	VS	42.59	Nil	58	7	40
	Flood	2003	S	25.89	Nil	32	5	27
	Flood	2004	S	37.39	Nil	45	6	30
	Flood	2005	M	2.39	Nil	2	2	20
Machkhowa	Draught	2001	M	8.86	15	20	4	29
	Flood	2002	VS	76.70	25	78	8	58
	Flood	2003	S	46.63	32	44	6	45
	Flood	2004	VS	67.39	Nil	52	7	47
	Flood	2005	M	4.32	Nil	8	2	10
Bordoloni	Draught	2001	M	2.41	6	4	3	22
	Flood	2002	M	3.31	5	20	4	29
	Flood	2003	M	2.01	Nil	18	2	15
	Flood	2004	M	2.89	Nil	10	2	15
	Flood	2005	M	0.02	Nil	2	1	5

            Availability of credit institutions a good network of credit supportive infrastructures, such as Cooperative Banks, RRB and Nationalized Banks are operating in three blocks of the district. Farmers of Dhemaji, Machkhowa and MSTD Jonai (Morkongselek) blocks are benefited through sort term and medium term loans from the branches of these banks. A total of 456 farmers have received loan of an amount of Rs.81.65 lacs from nine branches of Cooperative Apex Bank, Allahabad bank, State Bank of India and Assam Garmin Bikash Bank of various blocks of the district during 2004-05. So far not a single branch of any bank is in operation in two blocks viz. Sissiborgaon and Bordoloni.
Table  11: Information on credit supportive infrastructure and disbursed loans (2004-05)

Name of the block	Type of credit organization and amount distributed (in lakh)
	Cooperative Bank						Nationalized bank
	Branches	No. of borrowers				Amount	Branches	No. of borrowers				Amount
		ST	MT	LT				ST	MT		LT
Dhemaji	Assam Cooperative	10.0	16.0	-		1.51	Allahabad Bank	45	-		-	3.25
	Apex Bank	-	-	-		13.72	-	-	-		-	-
MSTD Jonai							SBI (Rukshin)	87				4.35
							Allahabad Bank (Simen Sapori)	18				2.10
							Allahabad Bank (Laimekuri)	49				10.02
Total		10.0	16.0			15.23		199	-		-	19.72
Name of Blocks	Type of credit organization and amount distributed (in lakh)
	Regional Rural Banks						Total of all Banks
	Branches	Borrowers			Amount		Branches	Borrowers		Amount
Dhemaji	AGVB (Morodhol Ghat)	21			1.80		9	456		81.65
	AGVB (Dhemaji)	82			19.37		-	-		-
	AGVB (Butikur)	19			1.26
Machkhowa	AGVB (Machkhowa)	109			24.27
Total		231			46.70		9	456		81.65