Illinois,  Indiana,  Michigan,  Ohio

Crop Insured

You can insure oats if:

  • They are grown on insurable acreage;
  • Premium rates are provided;
  • You have a share; and
  • They are planted for harvest as grain.
Counties Available

Illinois - Adams, Bureau, Carroll, Champaign, DeKalb, Douglas, Ford, Hancock, Henry, Iroquois, JoDaviess, Kane, Kankakee, LaSalle, Lake, Lee, Livingston, Logan, Mason, McHenry, McLean, Mercer, Ogle, Peoria, Stephenson, Will, Winnebago, and Woodford counties.

Indiana - Jay and Randolph counties.

Michigan - All counties, except: Baraga, Benzie, Berrien, Branch, Cass, Cheboygan, Crawford, Gogebic, Houghton, Keweenaw, Lake, Lenawee, Oakland, Oscoda, Roscommon, St. Joseph, and Wayne counties.

Ohio - Ashland, Ashtabula, Auglaize, Carroll, Clinton, Columbiana, Coshocton, Darke, Geauga, Guernsey, Hancock, Holmes, Huron, Jefferson, Knox, Lake, Licking, Logan, Mahoning, Marion, Medina, Mercer, Monroe, Morrow, Muskingum, Ottawa, Perry, Portage, Sandusky, Seneca, Shelby, Stark, Trumbull, Tuscarawas, Union, Wayne, and Wood counties.

Causes of Loss

You are protected against the following:

  • Adverse weather;
  • Earthquake;
  • Failure of irrigation water supply;
  • Fire;
  • Insect damage and/or plant disease, unless you have insufficiently or improperly applied pest or disease control measures;
  • Volcanic eruption; or
  • Wildlife.
Insurance Period

Coverage begins on the later of:

  • The date we accept your application; or
  • The date you plant the oats.

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
  • October 31, 2018.
Important Dates
  • Sales Closing ………… March 15, 2018
  • Cancellation Date ………… March 15, 2018
  • Final Planting…………Varies by County
  • End of Late Planting…………Varies by County
  • Acreage Report………… July 15, 2018
Reporting Requirements
You must report all of your oat acreage, production, and any losses, when evident, to your insurance agent.
Coverage Levels and Premium Subsidies

Crop insurance premiums are subsidized as shown in the following table. Subsidy levels shown are the lowest available. Levels will vary based on individual policy selections. 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 80 85
Premium Subsidy
67 64 64 59 59 55 48 38
Your Premium Share
33 36 36 41 41 45 52 62
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.
Coverage Options

Actual Production History (APH) - You choose the amount of your average yield you wish to insure and the percent of the RMA established price. If your production falls below the yield insured, you are paid a loss.

Catastrophic Risk Protection Coverage (CAT) - Pays 50 percent of your average yield and 55 percent of the projected price. CAT has no premium but does have a $300 administrative fee per crop per county.

Replanting and Prevented Planting

You may receive a replant payment if:

  • It is practical to replant;
  • The appraisal does not exceed 90 percent of your guarantee; and
  • You replant at least 20 acres or 20 percent of the unit.

Replant payments are not available on CAT coverage.

Late Planting Period - If you choose to plant after the final planting date, the insurance guarantee is reduced by one percent for each day after the final planting date. After 25 days, the guarantee is 60 percent.

Prevented Planting - You may receive a prevented planting payment if you are unable to plant on or before the final planting date because of an insurable cause.

Loss Example

A loss occurs when actual crop production falls below the guaranteed bushel amount. This example assumes a 75 percent coverage level, a price election of $2.35, and an average yield of 60 bushels per acre with 0.667 share.

60 Bushels APH yield
0.75 Coverage level
45 Bushels per acre guarantee
10 Acres
450 Bushels unit guarantee
200 Bushels produced
250 Bushels loss
$2.35 Price election
$588 Loss payment
0.667 Share
$392 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 web site 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: rsoil@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.