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United States
Department of Agriculture

Risk Management Agency Fact Sheet

2018 Crop Year

Spokane Regional Office — Spokane,WA

September 2017

Apple

Idaho,  Oregon,  Washington

Crop Insured

All varieties of apples are insurable if:

  • They are adapted to the area;
  • The actuarial table provides a premium rate; and
  • They produced a minimum of 10 bins (250 boxes) per acre in at least 1 of the previous 4 years.
Counties Available

Idaho

 Canyon, Gem, Owyhee, Payette, and Washington counties.

Oregon

 Clackamas, Douglas, Grant, Hood River, Jackson, Josephine, Lane, Linn, Malheur, Marion, Morrow, Polk, Umatilla, Wasco, Washington, and Yamhill counties.

Washington

Adams, Benton, Chelan, Columbia, Douglas, Franklin, Grant, Kittitas, Klickitat, Okanogan, Spokane, Stevens, Walla Walla, and Yakima counties.

Causes of Loss

You are protected against the following:

  • Adverse weather conditions;
  • Earthquake;
  • Failure of the irrigation water supply, if caused by an insured peril that occurs during the insurance period;
  • Fire, unless weeds and other forms of undergrowth have not been controlled or unmulched pruning debris has not been removed from the orchard;
  • Insects, but not damage due to insufficient or improper application of control measures;
  • Plant disease, but not damage due to insufficient or improper application of control measures;
  • Volcanic eruption;
  • Wildlife; or
  • All other natural losses that cannot be prevented.

Inability to market the apples for any reason other than actual physical damage from an insurable cause listed above is not insurable (an indemnity will not be paid if you are unable to market due to quarantine, boycott, or refusal of any person to accept production).

Important Dates
  • Sales Closing………… November 20, 2017
  • Production Reporting ………… January 15, 2018
  • Acreage Report Date………… January 15, 2018
Insurance Period

Coverage begins the later of:

  • 20 days after the insurance provider accepts your application; or
  • November 21.

For each crop year, after the first year, the policy remains continuously in force and insurance coverage begins on the day immediately following the end of the insurance period for the last crop year. Insurance ends on:

  • November 5, for all apple varieties except Fuji; or
  • November 10, for the Fuji variety only.
Reporting Requirements
Acreage Report - You must report to your crop insurance agent all acreage (insurable and non-insurable) by type of apples in the county in which you have a share.
Administrative Fees

Catastrophic Risk Protection (CAT) Coverage - $300 per crop per county.

Additional Coverage - $30 per crop per county.

Production Guarantees
Yields are based on actual production records reported to your crop insurance agent and/or company. Contact your crop insurance agent for more details.
Coverage Levels and Price Elections
You can choose coverage levels of 50 to 75 percent of your approved average yield (in 5 percent increments). You may select only one coverage level for all fresh apple acreage and only one coverage level for all processing apple acreage. The price election is the price of compensation paid, per box, in the event of a loss. CAT coverage is available at the 50 percent coverage level and 55 percent of the maximum price election. For current prices, please contact your crop insurance agent.
Optional Coverage for Quality Adjustment
This option provides quality adjustment for fresh apple production-to-count that, due to insurable damage, does not grade 80 percent U.S. Fancy or better. Available on acreage designated as grown for fresh apples. Washington Fancy and Idaho Fancy grades apply in the respective states above instead of U.S. Fancy. This coverage is not available with CAT coverage.
Loss Example

Assume proven actual production history of 1,000 boxes per acre, 20 acres, and a 70 percent coverage level.
1,000 Boxes per acre
0.70 Coverage level
700 Boxes per acre guarantee
20 Acres
14,000 Box unit guarantee
$6.90 Dollars per box
$96,600 Dollar coverage
8,000 Boxes harvested - grading at least US no.1 processing
6,000 Production shortfall
$6.90 Dollars per box
$41,400 Indemnity due policyholder
Where to Buy Crop Insurance
All crop insurance policies, including CAT policies, are available from private crop insurance agents. A list of crop insurance agents is available at any USDA service center or on the RMA website.

  Regional Office Visit

  • 11707 E Sprague Ave
    Suite 304
    Spokane, WA 99206-6125
  • Phone: 509-228-6320
  • Fax: 509-228-6320
  • Email: rsowa@rma.usda.gov
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.