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Growers in the nation's southernmost commercial apple-producing region are fighting a change in crop insurance law, which they claim could wipe out a 200-year-old industry.

Henderson County, N.C. -- a stretch of Southern Appalachia where the first apple trees were planted by a Loyalist on the run from the Revolutionary Army -- today generates about $24 million in annual apple revenue, representing 85 percent of the state's apple crop. But the region's 150-plus growers have been hard hit in recent years by calamities including frost, wind and hail.

"You name it, it's happened," sighs Agricultural Extension agent Marvin Owings.

Owings credits the Federal Crop Insurance Program, which reimburses growers for lost apples at a rate of $9.25 a bushel, with keeping area orchards solvent. He's worried a new proposal to significantly lower disaster payouts for lesser-grade apples could prove devastating.