Crop Insurance Coverage Explorer

Crop insurance works a lot like insuring your truck, with one important difference. A high coverage level (85%) is like a low deductible: more protection, bigger premium. A low coverage level (70%) is a higher deductible: cheaper, but the loss has to be bigger before it kicks in.

What makes it different from truck insurance: the federal government picks up a chunk of the premium at every level. At 50% coverage it’s about 67%. At 85% coverage it’s about 38%. The higher your coverage, the smaller the subsidy percentage — but the bigger the dollar protection.

There’s no universally right answer. A farm with strong cash reserves and diversified revenue may run leaner. A farm with heavy operating debt or a single-crop footprint may want more protection. The tool below puts the numbers in front of you so the trade-off is visible.

RP (Revenue Protection): The most common policy. Pays when your revenue per acre (price × yield) falls below the guarantee.

Coverage level: The percentage of your guarantee you want protected — 50% to 85% on most crops. Higher coverage = higher premium.

Projected price: RMA’s benchmark price, averaged from futures market trading in a defined window each year. Your guarantee is based on this price times your APH.

SCO (Supplemental Coverage Option): A top-up layer from your base coverage level up to 86%, triggered by county-level results. You only pay for the added band.

ECO (Enhanced Coverage Option): A further top-up from 90% to 95%, also county-triggered. Under OBBB, federal subsidy on ECO jumped from 65% to 80% — it’s meaningfully cheaper than it used to be.