Department of Agriculture
Risk Management Agency Fact Sheet
Washington National Office — Washington,DC
Revised June 2021
Small Grains: Barley and Wheat
- Sales Closing Dates*
*Program may not be available in all counties. Dates may vary for Margin Protection.
- Crop Insured
Small Grains are insurable if:
- You have a share;
- Premium rates are provided by the actuarial documents;
- Grown on insurable acreage; and
- Planted for harvest as grain.
- Insurance Period
For crops, types, or practices not insurable in a county, consult a crop insurance agent about the availability of coverage through a written agreement.
Coverage begins at the later of when we accept your application or the date when the crop is planted, and ends with the earliest occurrence of one of the following:
- Total destruction of the crop;
- Harvest of the unit;
- Final adjustment of loss;
- Abandonment of the crop;
- July 31 in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee;
- August 31 in Virginia;
- September 25 in Alaska; or
- October 31 for all other states.
See crop provisions for additional information.
- Acreage Reporting Requirements
You must file a report of planted acreage with your crop insurance agent by the acreage reporting date. Acreage reporting dates vary by crop and county, consult your crop insurance agent for more information and specific reporting requirements.
- Causes of Loss
You are protected against the following:
- Adverse weather conditions, including natural perils such as hail, frost, freeze, wind, drought, and excess precipitation;
- Failure of the irrigation water supply, if caused by an insured peril during the insurance period;
- Insects and plant disease, except for insufficient or improper application of pest or disease control measures;
- Volcanic eruption; or
- For revenue protection only, a change in the harvest price from the projected price, unless the Federal Crop Insurance Corporation can prove the price change was the direct result of an uninsured cause of loss.
- Duties in the Event of Damage or Loss
If a loss occurs you must:
- Protect the crop from further damage by providing sufficient care;
- Notify your crop insurance agent within 72 hours of your initial discovery of damage, but not later than 15 days after the end of the insurance period; and
- Leave representative samples for each field of the damaged unit.
- Coverage Levels and Premium Subsidies
The premium subsidy percentages and available coverage levels, if electing basic units, are shown below. Your share of the premium will be 100 percent minus the subsidy amount.
Percent Coverage Level 50 55 60 65 70 75 80 85 Premium Subsidy 67 64 64 59 59 55 48 38 Your Premium Share 33 36 36 41 41 45 52 62
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 $655, per crop per county.
- Insurance Units
Basic, optional, enterprise, and whole farm unit structures are available in select counties for small grains. Enterprise units may be further divided by irrigation practice for barley and wheat, if the actuarial documents list both irrigated and non-irrigated practices. For wheat only, enterprise units are available by type if allowed in the actuarial documents. Premium discounts apply for basic and enterprise units. You may only elect whole farm units if you select a Revenue Protection plan of insurance.
- Coverage Options
You may buy barley and wheat crop insurance coverage under one of the insurance plans offered: Catastrophic Risk Protection, Revenue Protection, Revenue Protection with Harvest Price Exclusion, or Yield Protection, where available.
Additionally, you may buy wheat crop insurance coverage under one of the insurance plans offered: Area Revenue Protection, Area Revenue Protection with Harvest Price Exclusion, Area Yield Protection, Margin Protection, Margin Protection with Harvest Price Option.
Additional Options available are Contract Pricing, Coverage Level by Irrigated Practice, Hail & Fire Exclusion, Prevented Planting +5%, High Risk Land Exclusion, Malting Barley Endorsement, Supplemental Coverage Option (SCO), Winter Coverage Endorsement, Yield Cup Option and Yield Exclusion where available.
- More Information
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 www.rma.usda.gov/informationtools/agentlocator.
- Useful Links
Actuarial Information Browser
RMA Map Viewer
USDA/Risk Management Agency Homepage
Regional Office State Directory
Print to PDF
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 www.ascr.usda.gov), 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.