Federal crop insurance protects against yield and revenue losses, but has limitations—it doesn't fully cover localized hail and wind damage.
Private crop hail and wind insurance pays when hail or windstorm damages your crops, regardless of whether your overall yield triggers a federal insurance claim.
For hail-prone regions or high-value crops, this coverage ensures immediate protection from sudden storms.
Private, non-federal insurance covering physical damage from hail and windstorms.
Key Characteristics:
Named peril coverage – Only covers hail and wind (or named storms)
Per-acre protection – Select dollar amounts per acre
Immediate claims – Adjusted and paid shortly after damage
No production history required – Coverage isn’t based on APH
Multi-carrier options – Offered by multiple insurance companies
| Feature | Federal | Hail & Wind |
|---|---|---|
| Coverage | All-risk yield/revenue | Hail & wind only |
| Payment timing | After harvest | Immediately after damage |
| Government subsidy | 40-65% of premium | No subsidy |
| Deductible | Often yes | Usually no |
| Required for FSA programs | Yes | No |
Choose your coverage amount per acre. Example: $1,000/acre for corn.
Report the loss immediately after a storm.
Adjuster inspects the field within days.
Damage is assessed as a percentage of the insured amount (e.g., 40% damage = $400/acre payout).
Payment is based on damage at inspection, not final harvest.
Basic Hail Coverage – Pays based on percentage of physical damage at loss
Revenue Hail Coverage – Protects revenue per acre, accounts for price changes
Replant Coverage – Covers costs if replanting is needed
Late-Season Value Adjustment – Increases coverage as crop value grows
Prevented Planting Coverage – Optional coverage if planting prevented by weather
$800-1,000/acre
$400-600/acre
$1,000-1,500/acre
$2,000-5,000+/acre
Hail insurance and federal insurance can be used together.
Report losses to both policies.
Hail pays first, federal pays at harvest for remaining shortfalls.
No double payment – Federal reduces payout by hail insurance received.
Benefit: Immediate cash flow and comprehensive coverage from all causes.
No premium subsidy; 100% of premium is paid by the farmer.
Report immediately (within 72 hours)
Do not destroy evidence before inspection
Adjuster inspects field within 1–2 days
Claim settlement issued within 1–3 weeks
Coverage continues on undamaged acres; file additional claims if needed
High-Risk Years Only – Buy coverage in high-value or forward-sold years
Core Protection – Insure vulnerable fields every year
Percentage of Acres – Insure 50-70% of acres for partial protection
Late-Season Coverage – Buy mid-season to reduce premiums while still protecting late-season value
Yes. Many hail policies can be purchased anytime before harvest, though late-season premiums may be higher.
Some policies include replant coverage; check policy details.
Hail insurance pays based on physical damage, not final yield.
Yes. Coverage can be customized per field based on value, risk, or budget.
Federal insurance payments are reduced by hail insurance received to prevent double payment.
Depends on policy. Some include wind with hail, others require separate wind coverage.
We analyze regional hail patterns and help you assess whether coverage makes financial sense.
We shop all major hail carriers to find the best coverage at the best price.
We ensure hail insurance integrates properly with federal coverage for maximum protection.
We expedite inspections, claims, and payments when storms strike.
Hail can destroy crops in minutes. You need coverage that responds immediately, not one that waits until harvest.
Take Action:
Assess hail risk by location and crop type
Determine appropriate per-acre coverage amounts
Get quotes from multiple carriers through The Assure Group
Purchase before the next storm