Maryland,  New Jersey,  New York,  North Carolina,  Pennsylvania

Crop Insured

All peaches (including nectarines) in a county are insurable if:

  • A premium rate is provided by the actuarial document;
  • They are any variety grown for the production of fresh or processing peaches;
  • They are from tree varieties that have a chilling hour requirement appropriate for the area;
  • They are from a rootstock adapted to the area;
  • They are in an orchard that is considered acceptable; and
  • They are on trees that have reached at least the fourth growing season after being set out.
Counties Available

See your state’s actuarial documents at Actuarial Information Browser for insurable counties. Peaches 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, and excess precipitation;
  • Failure of irrigation water supply, if caused by an insured peril during the insurance period;
  • Fire caused by an insured peril in the insurance period;
  • Insect damage and plant disease, except for insufficient or improper application of control measures;
  • Insufficient chilling hour to break dormancy; 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
  • September 30.
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.

Fresh Peach Production - You must certify and provide records to support at least 50 percent of the acreage reported as fresh peaches was sold as fresh peaches in 1 or more of the 4 most recent crop years and sold for a price that is not less than the applicable price election. If the fresh peach production is sold, or could have been sold for a price less than the fresh peach price election, you must provide verifiable records to show that the price received was at least the amount paid for fresh peaches in the area.

Fresh Peaches - At least U.S. Extr a No. 1 or better and a minimum of 2¼ inches in diameter.

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 300 bushels per acre would result in a guarantee of 150 bushels per acre at the 50 percent coverage level. You may choose different coverage levels for fresh and processing peaches.

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 Crop Information Browser.

Insurance Units

Basic Unit - A basic insurance unit includes all your insurable peach 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; or
  • By type; fresh or processing.
Additional Coverage Options

Supplemental Coverage Option (SCO) - SCO is available for peaches 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 page.

Yield Exclusion (YE) - APH Yield Exclusion is available in some peach 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 peaches with an approved yield of 300 bushels per acre, 65 percent coverage level, 100 percent share and a one-acre basic unit.

300  Approved yield per acre
0.65 Coverage level
195 Acre guarantee
95 Production-to-count
100 Loss per acre
$22.75 Price election (fresh)
$2,275 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 Agent Locator Page.

  Regional Office Visit

  • 4405 Bland Road
    Suite 160
    Raleigh, NC 27609-6293
  • Phone: 919-875-4880
  • Fax: 919-875-4915
  • 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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