Farmers facing a late harvest because of late planting in a wet spring are being delayed by a wet August.
And the first crop often brought in - winter wheat - is showing signs of severe disease problems.
In some cases, entire fields of winter wheat may be worthless because of Vomitoxin.
One crop insurance manager says those farmers have three options: feed, sell or destroy the grain.
Farm Credit Services Insurance Branch Manager Denise Krebsbach says she has had contact with farmers with VOM toxicity levels as high as 29.
She says if the Vomitoxin level is between 2.1 and ten -- insurance adjusters use a chart that will reduce the number of bushels by 24 to 45 percent.
Insurance adjusters have received reports of elevators purchasing VOM infected wheat at a discounted price, or if the VOM number is over ten, simply rejecting the grain.
If the farmer chooses to destroy the crop, Krebsbach says the farmer will be paid the full value on the loss, but that will hurt the farmer's long term insurance rates.
Krebsbach says the best case scenario would be to store the crop to see if the market opens up later.
(Denise Krebsbach, Insurance Branch Manager, Farm Credit Services) "I know the high numbers that we're hearing from the 20s to 30s, I don't know what the elevators are going to be able to do with that. They don't know what they're going to be able to do with that at this time. So for the farmer, sometimes it's just best if you can store it and see what happens comes January, February."
Krebsbach says that while North Dakota farmers have dealt with VOM in the past, levels seem to be higher this year.
Insurance agents encourage farmers to be in contact before making decisions and keep samples of the crop.