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Crop Insurance Basics
Many farmers use crop insurance and explain why in this video.
USDA Natural Resource Conservation Service (NRCS) has issued a bulletin that describes the use of cover crops with insured crops. Please see the September 2014 Version 3 revision of this 4-page document | Pdf.
Types of Risk Management including Crop Insurance
There is crop insurance available for twenty-five different crops in New York State. Crop insurance is made available on a county basis. This chart lists each crop and each county where crop insurance is available. Crop insurance protects the policy holder against either yield or revenue losses that are the result of specific weather-related or other natural events. There is also a new Whole Farm Revenue insurance program
for diversified growers of multiple crops. Crop insurance is administered by the USDA Risk Management Agency (RMA), and the federal government subsidizes most premiums.
For crops where there is no crop insurance, the Non-insured Assistance Program (NAP) can provide 50-65% coverage for each crop grown. This program is administered by the USDA Farm Service Agency, with offices in many counties across the state.
See farmer video interviews
See farmer interviews on all types of crop insurance and one-page written farmer interviews about crop insurance they use in the "Insurance by Crop" section.
Finding an Agent
Perhaps most important is locating a good crop insurance agent that you are comfortable with. You can find a list of crop insurance agents registered to sell crop insurance on the USDA Risk Management Agency’s webpage at: www.rma.usda.gov/tools/agent.html
The sales closing date and reporting deadlines vary by crop and type of coverage. This table summarizes those deadlines. It is recommended that you meet with a crop insurance agent well in advance of the deadline, to ensure time to gather documentation.
Please be aware of these upcoming deadlines:
- Spring-Planted Field Crops – Corn, Oats, Soybeans: March 15
- Vegetables (except onions) – March 15
- Onions – Feb 1
- Whole Farm Revenue Protection – March 15
- Forage Seeding – Spring-planted/March 15; Fall-planted: July 31
- Fall-planted Barley and Wheat: The deadline to enroll is September 30
- Apples, Grapes, Peaches, Tart Cherry Pilot – November 20
- Nursery and Greenhouse: Monthly enrollment for new applicants, 5/1 Renewal
- Hay - Pasture, Rangeland and Forage (PRF) insurance for pasture and hay is available in all New York Counties! Deadline to enroll or make policy changes for the next calendar year is November 15.
- Apiculture – Deadline to enroll or make policy changes for the next calendar year is November 15.
- Dairy – Livestock Gross Margin (LGM): Last business Friday/Saturday of each month.