Frost-affected farmers in the Riverina are poised to make the best of a bad situation after emerging from recovery talks across the region.

Out-of-season frosts combined with a dry September month caused significant damage to mainly wheat and canola crops, with losses varying property-to-property.

The NSW Government moved to ease concerns with informal meetings designed to connect property owners with financial and emotional support services.

However, the government earlier made clear that there would be no cash handouts to farmers under natural disaster assistance schemes.

Farmer Garry Moncrieff attended the Marrar recovery meeting last Friday after most of his 875 hectares of canola harvest was affected by frost.

He said the meeting was a chance to rub shoulders with other affected farmers in the region who have also suffered financial loss.

"The meetings were good; you realised you weren't the only one affected," Mr Moncrieff said.

"But I didn't expect much out of the meeting because there isn't much more anyone can do there isn't much money available."

"You have to try and make the best of a bad job and try and move on and plug the gaps as best you can.

"It doesn't happen every year."

Crop and farm insurance rarely offers protection against frost despite covering for fire and hail damage.

"Frost coverage is not available," Mr Moncrieff said.

"This might have to be looked at in the future.

"You should be able to insure your property against frost."

Another farmer, Rob Writer, said his paddocks only yielded a quarter of what they usually do.

"We're in enough debt as it is and that topped it," he said.

"We won't have the finances that we should to offer for the next season.

"It's the way things are at this stage."

Mr Writer said he would be taking advantage of low-interest loans on offer by the NSW government for frost-affected farmers.

"They can only do what they can do," he said.

"There is no money there to be given."

Ralph Billing, who owns a property at Winchendon Vale in a high-lying area escaping the frost zone, said the mood in the community is "cautious" as farmers refocus their energies to next season's crop.

"The frost was very unexpected it caught a lot of people by surprise we got it quite late," he said.

"But we're determined to put this year behind us and concentrate on next year.

"We'll put this one down to experience."

Source - http://www.dailyadvertiser.com.au/