Department of Agriculture
Risk Management Agency Fact Sheet
Washington National Office — Washington,DC
Revised September 2019
Tobacco: Burley, Cigar Binder, Cigar Filler, Cigar Wrapper, Dark Air Cured, Fire Cured, Flue Cured, and Maryland
- Sales Closing Dates*
*Program may not be available in all counties.
- Crop Insured
Tobacco is insurable if:
- You have a share in the crop;
- Premium rates are provided by the actuarial documents; and
- All rotation requirements in the Special Provisions of Insurance are met.
For crops, types or practices not insurable in a county, consult a crop insurance agent about the availability of coverage through a written agreement.
- Insurance Period
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 tobacco on the unit;
- Removal of the tobacco from the unit where grown, except for curing, grading, and packing;
- Final loss adjustment of the loss on the unit;
- Abandonment of the crop on the unit;
- November 30 for Flue Cured in most North Carolina counties and Virginia;
- October 31, for Flue Cured in Florida, Georgia, South Carolina and some counties in southern North Carolina;
- February 28 for Burley in all states;
- March 15 for Dark Air Cured in Kentucky, Tennessee, and Virginia;
- April 15 for Fire Cured in Kentucky, Tennessee, and Virginia;
- April 30 for Cigar Binder, Cigar Filler, and Cigar Wrapper in Connecticut, Massachusetts, Pennsylvania, and Wisconsin; and
- May 15 for Maryland type in Maryland and Pennsylvania.
- 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.
Acreage reporting dates:
- Flue Cured (Florida and Georgia)………...5/15
- Burley, Cigar Binder, Cigar Filler, Cigar Wrapper, Dark Air Cured , Fire Cured, Flue Cured (except Florida and Georgia), and Maryland………………………………….…7/15
- Causes of Loss
You are protected against the following:
- Adverse weather conditions, including natural perils such as hail, 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;
- Wildlife; or
- Volcanic eruption.
- 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;
- Maintain representative samples or each unharvested tobacco crop (type) at least five feet wide and extending the entire length of each field in the unit. The samples must not be harvested or destroyed until after our inspection; and
- Leave all tobacco stalks and stubble in the unit intact for our inspection, if you have filed a claim. The stalks and stubble must not be destroyed until we give you written consent to do so or until 30 days after the end of the insurance period, whichever is earlier.
- 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.
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, and enterprise unit structures are available in select tobacco counties. Premium discounts apply for basic and enterprise units. Additional subsidy is available for enterprise and whole farm units.
- Coverage Options
You may buy crop insurance coverage under one of the insurance plans offered: Catastrophic Risk Protection or Actual Production History.
Additional options are the Supplemental Coverage Option (SCO), Yield Cup Option and Actual Production History Yield Exclusion, where available.
- Contact a Crop Insurance Agent for 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 Agent Locator.
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.