Tropical Tree - Banana


Crop Insured

Banana trees are insurable if:

  • A premium rate is provided by the actuarial documents in which you have a share;
  • Grown to produce a crop intended to be sold for human consumption;
  • Insurance company inspects and approves the orchard; and
  • You provide evidence of at least four consecutive crop years of experience growing the crop, excluding year set out.

Tree age will be determined on December 31 according to the following table:

Year Month After Set Out
1 <>
2 13-24
3 25-36
4 37+
Counties Available
Tropical fruits are insurable in Hawaii, Kauai, Honolulu, and Maui counties.
Causes of Loss

You are protected against the following:

  • Adverse weather conditions;
  • Destruction of trees, if authorized by the insurance provider to contain the spread of disease;
  • Disease, but not damage due to insufficient or improper application of control measures;
  • Earthquake;
  • Fire, unless weeds and undergrowth are not controlled;
  • Insects or plant disease, but not damage due to insufficient or improper application of control measures;
  • Tsunami;
  • Volcanic eruption; or
  • Wildlife, unless recommended wildlife control measures have not been taken.
Insurance Period

Insurance begins January 1 for carry-over policies and 30 days after we receive your application for new policies, but no earlier than January 1. The insurance period ends with the earliest occurrence of one of the following:

  • December 31; or
  • When we determine the total destruction of the insured trees on the unit.
Important Dates
Sales Closing/Cancellation…...December 31, 2016
Acreage Reporting…….….……..February 15, 2017
Premium Billing………........…...….August 15, 2017
Termination……….......…..…...December 31, 2017
Coverage Levels and Premium Subsidies
Coverage levels range from 50 to 75 percent of your approved yield. Crop insurance premiums are subsidized as shown in the following table. For example, if you choose the 65 percent coverage level, your premium share would be 41 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
Catastrophic Risk Protection (CAT) coverage is fixed at 50 percent of your approved yield and 55 percent of the price election. CAT is 100 percent subsidized with no premium cost to you. There is, however, an administrative fee of $300 per crop per county, regardless of the acreage.

Loss Example

Assume 500 banana trees, 75 percent coverage, a reference price of $21.61 per tree for growth stage year two, and 300 trees dead after a hurricane.

500 Total insured trees
$21.61 Tree reference price at stage two
$10,805 Value of insured trees
 300 Total dead trees
$21.61 Tree reference price at stage two
$6,483 Value of dead trees
$6,483 Value of dead trees
10,805 Value of insured trees
60 Percent damage
0.75 Coverage level
25 Percent deductible
60 Percent of established price
25 Percent deductible
Percent loss
Value of insured trees
35 Percent loss
$3,782 Indemnity


Price used above is for example only. Contact a crop insurance agent for current information.

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 at Agent Locator.

  Regional Office Visit

  • Jeffrey Yasui, Director
    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
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.