Whole-Farm Revenue Protection (WFRP)
Most crop insurance covers one crop at a time. WFRP can cover your entire operation's revenue under a single policy — every crop, every livestock sale, every agricultural product. If you run a diversified farm, this might be the most important insurance product you've never heard of.
Who This Is For
Diversified farms growing multiple crops. Specialty crop operations where individual policies are unavailable. Direct-market farms selling at farmers' markets or through CSAs. Organic operations — WFRP covers organic price premiums. Value-added operations (jams, cheeses, dried herbs).
Not a good fit for: Single-commodity operations. If you grow one or two standard crops, individual Revenue Protection or PRF is usually better.
How It Works
WFRP insures your whole farm's expected revenue based on your tax records (Schedule F). If actual revenue falls below the insured level — for any reason — the policy pays. Weather, market collapse, pest damage, equipment failure, losing a buyer.
Coverage levels: 50% to 85% of expected revenue
Maximum insured: $17 million
Premium subsidy: 55% at 75% coverage
Diversification discount: More commodities = lower premium rate
What You Need to Apply
1. 5 years of Schedule F tax records
2. Farm plan with projected revenue by commodity
3. Verifiable records of all farm income sources
4. An agent who writes WFRP (not all do — ask specifically)
Sales closing: typically January 31 or March 15. Start early — WFRP applications take longer than standard policies.
The Organic Advantage
Standard crop insurance insures at conventional prices. WFRP insures your actual revenue from tax records — so organic premiums are automatically built in.
What to Say When You Talk to Your Agent
“I run a diversified operation with [describe]. I'd like to explore WFRP. I have five years of Schedule F records. Can you show me what coverage at 75% or 80% would cost?”
Top WFRP-eligible counties, by state
Counties with the most diversified farms in each state where WFRP fits the operation profile.
Alabama
De Kalb, Cullman, Marshall, Jackson, Lawrence, Lauderdale, Morgan, Limestone, Blount, Madison, Baldwin, Covington, Franklin, Etowah, Geneva, Coffee, Mobile, Houston, Marion, Randolph, Calhoun, Barbour
Arizona
Apache, Navajo, Coconino, Maricopa, Cochise, Yavapai, Pinal, Pima, Yuma, Graham, Mohave, Gila, Santa Cruz, Lapaz, Greenlee
Arkansas
Washington, Benton, White, Faulkner, Boone, Madison, Logan, Carroll, Independence, Pope, Crawford, Yell, Fulton, Franklin, Conway, Randolph, Lonoke, Sebastian, Hempstead, Polk, Izard, Van Buren
California
Fresno, San Diego, Tulare, Stanislaus, San Joaquin, Sonoma, Riverside, San Luis Obispo, Merced, Ventura, Napa, Kern, Butte, Santa Barbara, Madera, El Dorado, Tehama, Shasta, Sacramento, Placer, Glenn, Monterey
Colorado
Weld, Mesa, Elbert, Larimer, Delta, El Paso, La Plata, Douglas, Montrose, Montezuma, Routt, Logan, Adams, Boulder, Yuma, Pueblo, Washington, Baca, Fremont, Morgan, Arapahoe, Garfield
Florida
Marion, Miami-Dade, Polk, Hillsborough, Alachua, Lake, Volusia, Palm Beach, Pasco, Suwannee, Sumter, Levy, Jackson, Hardee, Columbia, Highlands, Lee, Hernando, Santa Rosa, Walton, Manatee, De Soto
Georgia
Carroll, Madison, Laurens, Franklin, Jackson, Gordon, Hall, Walker, Hart, Coffee, Morgan, Tattnall, Appling, Bulloch, Floyd, Bartow, Banks, Oglethorpe, Colquitt, Elbert, Grady, Walton
Idaho
Canyon, Twin Falls, Ada, Bingham, Bannock, Latah, Kootenai, Bonneville, Bonner, Franklin, Gem, Idaho, Jefferson, Payette, Cassia, Fremont, Gooding, Washington, Owyhee, Minidoka, Jerome, Oneida
Illinois
La Salle, Iroquois, Mclean, Livingston, Champaign, Adams, Henry, Macoupin, Effingham, Shelby, Fulton, Bureau, Fayette, Hancock, Pike, Vermilion, Whiteside, Stephenson, Woodford, Sangamon, Peoria, Knox
Indiana
Lagrange, Elkhart, Allen, Adams, Daviess, Kosciusko, Noble, Harrison, Ripley, De Kalb, Jay, Greene, Washington, Marshall, Dubois, Putnam, Wayne, Tippecanoe, Lawrence, Franklin, Madison, La Porte
Iowa
Sioux, Clayton, Dubuque, Delaware, Winneshiek, Linn, Warren, Fayette, Kossuth, Plymouth, Johnson, Pottawattamie, Washington, Jasper, Clinton, Madison, Jackson, Buchanan, Benton, Carroll, Story, Butler
Kansas
Reno, Butler, Sedgwick, Miami, Mcpherson, Leavenworth, Sumner, Douglas, Montgomery, Cowley, Marion, Osage, Jefferson, Labette, Franklin, Nemaha, Lyon, Pottawatomie, Dickinson, Shawnee, Jackson, Crawford
Kentucky
Barren, Pulaski, Warren, Shelby, Grayson, Hart, Hardin, Breckinridge, Nelson, Madison, Graves, Christian, Adair, Harrison, Logan, Washington, Lincoln, Mercer, Casey, Daviess, Marion, Allen
Louisiana
Vermilion, Avoyelles, Tangipahoa, Washington, Calcasieu, Beauregard, Acadia, Rapides, Franklin, De Soto, Jefferson Davis, Caddo, Evangeline, Richland, West Carroll, Lafayette, Pointe Coupee, Natchitoches, Bossier, East Feliciana, East Baton Rouge, Vernon
Maine
Aroostook, York, Cumberland, Kennebec, Penobscot, Somerset, Waldo, Oxford, Hancock, Androscoggin, Washington, Franklin, Lincoln, Knox, Sagadahoc, Piscataquis
Maryland
Frederick, Carroll, Washington, Baltimore, Garrett, Harford, Montgomery, Cecil, Caroline, Queen Annes, Anne Arundel, Kent, Wicomico, Prince Georges, Charles, Dorchester, Worcester, Talbot, Howard, Calvert, Allegany, Somerset
Massachusetts
Worcester, Plymouth, Franklin, Hampshire, Middlesex, Bristol, Hampden, Berkshire, Essex, Barnstable, Norfolk, Dukes, Suffolk, Nantucket
Michigan
Sanilac, Hillsdale, Saginaw, Washtenaw, Tuscola, Huron, Lenawee, Monroe, Allegan, Clinton, St Clair, Lapeer, Kent, Ottawa, Shiawassee, Eaton, Ionia, Calhoun, Barry, Jackson, Ingham, Van Buren
Minnesota
Stearns, Otter Tail, Morrison, Todd, Fillmore, Goodhue, Redwood, Wright, Kandiyohi, Polk, Rice, Olmsted, Marshall, Blue Earth, Mower, Winona, Meeker, Douglas, Brown, Becker, Nobles, Renville
Mississippi
Hinds, Jones, Pearl River, Pontotoc, Lincoln, Scott, Rankin, Panola, Calhoun, Union, Neshoba, Monroe, Yazoo, Madison, Tate, Newton, Marshall, Smith, Walthall, Holmes, Leake, Pike
Missouri
Greene, Franklin, Webster, Lawrence, Johnson, Newton, Howell, Polk, Cass, Texas, Barry, Callaway, Macon, Vernon, Laclede, Jasper, Christian, Wright, Boone, Osage, Lafayette, Pettis
Montana
Ravalli, Yellowstone, Lake, Flathead, Gallatin, Cascade, Fergus, Hill, Chouteau, Carbon, Teton, Missoula, Lewis And Clark, Madison, Valley, Park, Stillwater, Richland, Sheridan, Pondera, Dawson, Sanders
Nebraska
Lancaster, Holt, Gage, Saunders, Custer, Buffalo, Lincoln, Seward, Knox, Platte, Otoe, Cedar, Cuming, Scotts Bluff, Butler, Richardson, Dodge, Washington, Saline, Madison, Dawson, Antelope
Nevada
Churchill, Elko, Washoe, Lyon, Humboldt, Douglas, Nye, Clark, White Pine, Pershing, Lincoln, Eureka, Lander, Mineral, Carson City, Esmeralda, Storey
New Hampshire
Hillsborough, Merrimack, Rockingham, Grafton, Cheshire, Strafford, Coos, Belknap, Sullivan, Carroll
New Jersey
Hunterdon, Sussex, Monmouth, Burlington, Warren, Salem, Gloucester, Cumberland, Atlantic, Morris, Somerset, Mercer, Ocean, Middlesex, Cape May, Camden, Passaic, Bergen, Essex, Union, Hudson
New Mexico
San Juan, Mckinley, Rio Arriba, Valencia, Bernalillo, San Miguel, Sandoval, Curry, Roosevelt, Taos, Quay, Santa Fe, Torrance, Cibola, Mora, Chaves, Otero, Socorro, Lea, Lincoln, Eddy, Union
New York
Steuben, Chautauqua, St Lawrence, Erie, Wayne, Yates, Oneida, Cattaraugus, Ontario, Otsego, Washington, Jefferson, Cayuga, Allegany, Madison, Chenango, Wyoming, Niagara, Dutchess, Orange, Livingston, Saratoga
North Carolina
Randolph, Chatham, Buncombe, Johnston, Duplin, Surry, Iredell, Sampson, Union, Cleveland, Wilkes, Davidson, Moore, Rowan, Guilford, Rockingham, Ashe, Yadkin, Robeson, Stokes, Alamance, Orange
North Dakota
Grand Forks, Richland, Walsh, Stutsman, Cass, Mclean, Barnes, Bottineau, Burleigh, Morton, Mchenry, Ward, Stark, Mckenzie, La Moure, Williams, Cavalier, Mountrail, Ramsey, Emmons, Ransom, Dunn
Ohio
Wayne, Darke, Holmes, Licking, Putnam, Stark, Knox, Muskingum, Mercer, Coshocton, Highland, Miami, Tuscarawas, Wood, Geauga, Columbiana, Ross, Brown, Adams, Washington, Fairfield, Seneca
Oklahoma
Lincoln, Creek, Rogers, Leflore, Grady, Pottawatomie, Muskogee, Pittsburg, Garvin, Payne, Mayes, Bryan, Caddo, Osage, Delaware, Canadian, Okmulgee, Mccurtain, Logan, Pontotoc, Carter, Mcclain
Oregon
Clackamas, Marion, Jackson, Lane, Linn, Yamhill, Douglas, Washington, Umatilla, Deschutes, Polk, Benton, Malheur, Klamath, Union, Columbia, Multnomah, Baker, Crook, Josephine, Coos, Hood River
Pennsylvania
Lancaster, York, Berks, Washington, Chester, Franklin, Bradford, Adams, Cumberland, Bedford, Erie, Mercer, Crawford, Somerset, Tioga, Lebanon, Westmoreland, Indiana, Lycoming, Butler, Centre, Bucks
South Carolina
Anderson, Spartanburg, Aiken, York, Greenville, Lexington, Oconee, Orangeburg, Laurens, Pickens, Abbeville, Horry, Saluda, Colleton, Kershaw, Chester, Newberry, Williamsburg, Chesterfield, Lancaster, Greenwood, Sumter
South Dakota
Brown, Minnehaha, Brookings, Meade, Hutchinson, Roberts, Lincoln, Charles Mix, Beadle, Pennington, Turner, Mccook, Spink, Day, Butte, Yankton, Grant, Tripp, Clark, Marshall, Codington, Deuel
Tennessee
Greene, Giles, Lincoln, Wilson, Maury, Bedford, Washington, Hawkins, Rutherford, Sumner, Lawrence, Williamson, Robertson, Dickson, Sullivan, Marshall, Warren, Mcminn, Blount, Overton, Putnam, Claiborne
Texas
Parker, Wise, Hunt, Van Zandt, Mclennan, Denton, Fayette, Grayson, Johnson, Lavaca, Ellis, Brazoria, Wilson, Smith, Kaufman, Erath, Guadalupe, Williamson, Bell, Collin, Navarro, Medina
Utah
Utah, Cache, Box Elder, Weber, Uintah, Sanpete, Duchesne, San Juan, Summit, Sevier, Tooele, Washington, Iron, Wasatch, Millard, Emery, Salt Lake, Davis, Morgan, Carbon, Garfield, Juab
Vermont
Addison, Franklin, Windsor, Rutland, Chittenden, Orleans, Orange, Caledonia, Washington, Windham, Lamoille, Bennington, Grand Isle, Essex
Virginia
Rockingham, Augusta, Washington, Loudoun, Bedford, Scott, Pittsylvania, Fauquier, Franklin, Albemarle, Shenandoah, Russell, Halifax, Carroll, Wythe, Frederick, Floyd, Campbell, Rockbridge, Lee, Grayson, Culpeper
Washington
Yakima, Spokane, Clark, King, Whatcom, Lewis, Snohomish, Pierce, Benton, Grant, Thurston, Okanogan, Stevens, Whitman, Walla Walla, Skagit, Franklin, Kittitas, Lincoln, Chelan, Klickitat, Douglas
West Virginia
Preston, Jackson, Hampshire, Monroe, Berkeley, Wood, Harrison, Mason, Greenbrier, Putnam, Marshall, Marion, Pendleton, Barbour, Mineral, Jefferson, Hardy, Ritchie, Monongalia, Pocahontas, Grant, Roane
Source: 2022 Census of Agriculture. Updated 2026-05-01.
Last updated: March 2026. Verify current WFRP details with your crop insurance agent or at rma.usda.gov.