Illinois,  Michigan

Crop Insured

You can insure peaches if they are:

  • Grown on trees that have reached at least the fourth growing season after set out;
  • Varieties adapted to the area;
  • Varieties that were commercially available when the trees were set out;
  • Grown for fresh or processing peach production; and
  • Grown in an orchard that is considered acceptable.
Counties Available

Illinois - Calhoun, Jackson, St. Clair , and Union counties.

Michigan - Allegan, Berrien, Kent, Manistee, Mason, Muskegon, Oceana, Ottawa, and Van Buren counties.

Causes of Loss

You are protected against the following:

  • Adverse weather;
  • Earthquake;
  • Failure of irrigation water supply;
  • Fire, unless you have not controlled weeds and other undergrowth or if you have not removed pruning debris from the orchard;
  • Insect damage and/or plant disease, unless you have insufficiently or improperly applied pest or disease control measures;
  • Insufficient number of chilling hours to break dormancy;
  • Volcanic eruption; or
  • Wildlife.
Insurance Period

For the first crop year, coverage begins the later of:

  • Ten days after your application is received; or
  • November 21, 2017.

For carryover policies, coverage begins:

  • The day immediately following the end of the insurance period for the prior crop year.

Coverage ends at the earliest of:

  • Total destruction of the crop;
  • Harvest of the crop;
  • Final adjustment of a loss;
  • Abandonment of the crop; or
  • September 30, 2018.
Important Dates
  • Sales Closing / Cancellation…………November 20, 2017
  • Acreage Report………… January 15, 2018
  • Production Report………… January 15, 2018
Reporting Requirements
You must report all of your peach acreage, production and any losses, when evident, to your insurance agent.

Fresh Peach Production - Peaches that:

  • Are, or could be, sold for human consumption without being changed by peeling, juicing, crushing, etc.;
  • Have a 2 1/4 inch minimum diameter and grade at least a US Extra No. 1;
  • Are from acreage designated as fresh peaches on your acreage report;
  • Follow the cultural practices in use for fresh peaches in a manner that agricultural experts recommend for the area;
  • Are from acreage that you certify and have records to support that at least 50 percent of the production was sold as fresh peaches in 1 of the 4 most recent crop years; and
  • Are sold for a price that is at least equal to the fresh peach price election for the crop year.

Processing Peach Production - Peaches that:

  • Are, or could be, sold for the purpose of changing the structure by peeling, juicing, crushing, etc.; or
  • Are from acreage designated as processing peaches on your acreage report.
Coverage Levels and Premium Subsidies

Crop insurance premiums are subsidized as shown in the following table. For example, if you select the 75 percent coverage level, the premium subsidy is 55 percent and your premium share is 45 percent of the base premium.

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


You may choose a separate coverage level for all fresh peach acreage and all processing peach acreage.

Price Elections
A price election is the price you are paid per bushel if you have a loss. This is based on the percentage of the established price you chose.
Production Guarantees
Your Production Guarantee is the approved yield per acre multiplied by the coverage level percentage you chose. Yields are based on actual production history (APH) records reported to your insurance agent.
Coverage Options
Catastrophic Coverage (CAT) - Pays 50 percent of your average yield and 55 percent of the projected price.
Loss Example

Assume 65 percent coverage level, a Michigan 100 percent price election of $14.00 (fresh, non-irrigated), and an average APH yield of 100 bushels per acre with 0.667 share.

100 Bushels per acre Approved Yield
0.65 Coverage Level
65 Bushels per acre Guarantee
Bushels Guarantee
65,00 Guarantee
1,200 Actual Production
5,400 Bushels Loss
$14.00 Price Election
$74,200 Loss
0.667 Share
$49,491 Final Payment
Where to Buy Crop Insurance
You can buy a crop insurance policy from approved participating insurance agents. A list of crop insurance agents is available at all USDA service centers and on the RMA website at Agent Locator

  Regional Office Visit

  • Brian Frieden, Director
    3500 Wabash Ave.
    Springfield, IL 62711-8287
  • Phone: 217-241-6600
  • Fax: 217-241-6618
  • 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
The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or a part of an individual’s income is derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at 202-720-2600 (voice and TDD). To file a complaint of discrimination, complete, sign and mail a program discrimination complaint form, (available at any USDA office location or online at, to: United States Department of Agriculture; Office of the Assistant Secretary for Civil Rights; 1400 Independence Ave., SW; Washington, DC 20250-9410. Or call toll free at (866) 632- 9992 (voice) to obtain additional information, the appropriate office or to request documents. Individuals who are deaf, hard of hearing, or have speech disabilities may contact USDA through the Federal Relay service at (800) 877-8339 or (800) 845-6136.