Federal crop insurance is the single most important risk management tool in American agriculture. Backed by the USDA and subsidized to keep premiums affordable, these programs protect over 380 million acres nationwide.
But federal crop insurance isn't a single product—it's a suite of programs designed for different risks, crops, and farming operations. The Assure Group specializes in helping you select federal coverage that actually fits your farm.
Federal crop insurance is a public-private partnership between the U.S. government and approved insurance providers. The USDA Risk Management Agency (RMA) sets the rules, approves products, and subsidizes a significant portion of your premium—typically 40% to 80% depending on coverage level.
Policies are purchased through approved agents like The Assure Group. Claims are paid by the insurance carrier, while the federal government reinsures the program—ensuring long-term stability and reliable protection year after year.
Subsidized premiums make comprehensive coverage affordable
Government backing ensures claims are paid
Proven protection for American agriculture since 1938
Required for many FSA loans and disaster assistance programs
Federal crop insurance programs are designed to protect against yield loss, price decline, or profit margin erosion. Each program addresses risk differently.
Most Popular Federal Program | Protects Against Yield Loss and Price Decline
Revenue Protection insures your expected revenue per acre. If harvested revenue falls below your insured level—due to lower yields, falling prices, or both—you receive an indemnity payment.
A corn farmer with 180 bu/acre APH at 85% coverage and 100% price election expects $900/acre. Actual revenue at harvest is $650/acre due to yield loss and price decline. Revenue Protection pays the $250/acre difference.
Protects Against Yield Loss Only | Best When Price Risk Is Managed Separately
Yield Protection insures against production losses regardless of market price movement. Guarantees are based on your APH and projected price.
Protects Profit Margin | Goes Beyond Revenue Insurance
Margin Protection insures your actual profit margin by accounting for expected input costs rather than just revenue.
In years with rapidly rising input costs, traditional revenue protection may show a paper profit even when real margins are negative. Margin Protection reflects real-world economics.
County-Based Coverage | Lower Premiums, Different Triggers
Area plans insure against county-wide losses rather than individual farm production. Payments are triggered when county averages fall below the selected coverage level.
Federal crop insurance allows coverage levels from 50% to 85% of expected yield or revenue. Higher coverage levels increase both protection and premium—but also increase subsidy support.
Catastrophic protection with minimal premium
Balanced protection for moderate-risk operations
Maximum protection with the highest premium subsidies (60–65%)
The USDA subsidizes 40–65% of premiums, making comprehensive coverage affordable for most farms.
APH is your farm's certified average yield history and forms the foundation of federal crop insurance guarantees.
Calculated using 4–10 years of production data
Higher APH increases guarantees and premiums
New farmers start with county averages
Accurate records directly improve protection
Notify your agent as soon as a loss is suspected
Field appraisal by a licensed adjuster
Submit production documentation
Claim calculation based on guarantee vs. actuals
Payment issued within 30 days of finalization
You must provide notice before destroying a crop. Destroying evidence of loss can void your claim.
Federal crop insurance protects against unexpected losses. One bad year can wipe out several good years of profit.
Yes. Prevented planting coverage provides payments when crops cannot be planted due to insurable causes like excess moisture or drought.
Poor management, neglect, and certain perils like fire are excluded. Hail typically requires separate coverage.
No. Coverage is locked after the sales closing date for the year.
Federal crop insurance or NAP coverage is required for many FSA disaster and commodity programs.
We model how different coverage levels would have performed on your farm over the past 10+ years using real weather and price data.
We help build and protect your APH through accurate records, yield certification, and strategic planning.
We shop all major carriers to find the best pricing, service, and coverage fit.
Federal crop insurance requires ongoing management. We support you year-round—not just at enrollment.
Federal crop insurance is the foundation—but most farms benefit from supplemental and private coverage to fully manage risk.