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Crop Insured

All apples in a county are insurable if:

  • A premium rate is provided by the actuarial documents;
  • You have a share;
  • They are grown on tree varieties that are adapted to the area;
  • Acreage has produced at least 150 bushels per acre in 1 of the past 4 years; and
  • They are grown for fresh apple production or processing apple production.
Counties Available

See your state’s actuarial documents at Actuarial Information Browser for insurable counties. Apples may be insurable in other counties by written agreement if specific criteria are met. Contact a crop insurance agent for more details.

Causes of Loss

You are protected against the following:

  • Adverse weather conditions, including hail, frost, freeze, wind, drought, excess precipitation, and excess sun causing sunburn;
  • Failure of irrigation water supply, if caused by an insured peril during the insurance period;
  • Fire caused by an insured peril in the insured period;
  • Insect damage and plant disease except for insufficient or improper application of control measures; or
  • Wildlife.
Insurance Period

Coverage begins on November 21 and ends with the earliest occurrence of one of the following:

  • Total destruction of the crop;
  • Harvest of the crop;
  • Final adjustment of a claim;
  • Abandonment of the crop; or
  • November 5.
Important Dates

Sales Closing Date………… November 20, 2017

Production Reporting Date………… January 15, 2018

Acreage Reporting Date………… January 15, 2018

Premium Billing Date………… August 15, 2018

Duties in the Event of Damage or Loss

Notice of Loss - If a loss occurs notify your crop insurance agent:

  • Within 72 hours of initial discovery of damage;
  • If you previously gave notice of crop damage, you must also provide notice at least 15 days before the beginning of harvest to claim an indemnity; or
  • At least 3 days before the date harvest should have started if the crop will not be harvested.
Coverage Levels and Premium Subsidies

Coverage levels range from 50 to 75 percent of your average yield and are subsidized as shown below. For example, an average actual production history (APH) yield of 600 bushels per acre would result in a guarantee of 300 bushels per acre at the 50-percent coverage level. You may choose different coverage levels for fresh and processing apples.

Item Percent
Coverage Level
50 55 60 65 70 75
Premium Subsidy
67 64 64 59 59 55
Your Premium Share
33 36 36 41 41 45

Catastrophic Risk Protection (CAT) coverage is fixed at 50 percent of your average yield and 55 percent of the price election. The cost for CAT coverage is an administrative fee of $300.

Price Elections

An established price used to calculate your premium and indemnity. Contract pricing options are available for certified organic crops grown under guaranteed contracts. For price elections see your state’s actuarial documents at Actuarial Information Browser.

Insurance Units

Basic Unit - A basic insurance unit includes all your insurable apple acreage in the county in which you have 100-percent share or which is owned by one person and operated by another person on shares.

Optional Units - Optional units may be established if you can provide separate records for each unit, and the acreage is not insured under a CAT policy. Optional units may be established by:

  • Non-contiguous land;
  • Farm Service Agency Farm Serial Numbers;
  • Irrigated or non-irrigated practice; or
  • By type: Fresh, Processing, Varietal Group A,Varietal Group B, or Varietal Group C

Varietal Groups Are Defined As:

  • Varietal Group A - Honeycrisp and Pazazz;
  • Varietal Group B - Cortland, Empire, Fuji,Gala, Jonagold, Macoun, McIntosh, OzarkGold, Paula Red, Cripps Pink (Pink Lady), RedRome, and Zestar; and
  • Varietal Group C - All other apple varietiesnot specified in Varietal Group A or VarietalGroup B.
Additional Coverage Options

Optional Coverage for Quality Adjustment - Additional protection for loss of quality when apples do not grade U.S. Fancy or better:

  • Any block of apple acreage grown andmaintained for processing is not eligible foroptional coverage under this option;
  • You must certify and provide records tosupport at least 50 percent of the acreagereported as fresh apples was sold as freshapples in 1 or more of the 4 most recent cropyears; and
  • This option is not available with a CAT policy.

Supplemental Coverage Option (SCO) - SCO is available for apples in some counties. If elected, SCO provides additional coverage for a portion of your underlying crop insurance policy deductible. A map of SCO availability can be accessed through the Map Viewer tool on the RMA website at the Map Viewer Tool.

Yield Exclusion (YE) - APH Yield Exclusion is available in some counties. YE allows you to exclude yields in exceptionally bad years from your production history when calculating yields used to establish your crop insurance coverage.

Loss Example

Assume fresh apples with an approved yield of 600 bushels per acre, 65-percent coverage level, non-irrigated, 100-percent share and a one-acre basic unit.

600  Approved yield per acre
0.65 Coverage level
390 Acre guarantee
100 Production-to-count
290 Loss per acre
$15.60 Price election (fresh)
$4,524 Indemnity/acre

Where to Buy Crop Insurance

All multi-peril crop insurance, including CAT policies, are available from private crop insurance agents. A list of crop insurance agents is available at all USDA service centers and on the RMA website.

  Regional Office Visit

  • 430 G Street
    Suite 4168
    Davis, CA 95616-4168
  • Phone: 530-792-5870
  • Fax: 530-792-5893
  • Email:
This fact sheet gives only a general overview of the crop insurance program and is not a complete policy. For further information and an evaluation of your risk management needs, contact a crop insurance agent
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