Multi-Peril Crop Insurance
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Multiple Peril Crop Insurance (MPCI) provides coverage against a wide range of natural risks, including drought, hail, excessive moisture, frost, disease, and insect damage. There are many types of MPCI policies and plans available, ensuring you can find the right coverage for your operation.
Though administered by private insurance companies, MPCI policies are reinsured by the Federal Crop Insurance Corporation (FCIC), a branch of the USDA. This federal backing allows the policy to remain widely available and cost-shared, making it more affordable for producers across the country.
What does Multiple Peril Crop Insurance (MPCI) cover?
MPCI protects your planted acres from weather events like drought, flood, hail, heat, frost, and disease. Depending on the plan, it can cover both yield loss and price drops—so you’re not left empty-handed when harvest falls short or the market drops.
How is my Multiple Peril Crop Insurance (MPCI) coverage calculated?
Your coverage is based on your proven APH (Actual Production History)—a multi-year yield average—and the level of protection you choose. You can select up to 85% of your APH. If your harvest falls below that guarantee, you may get an indemnity payment.
What’s the difference between Yield Protection and Revenue Protection?
Yield Protection covers you if you lose bushels due to drought, hail, etc.
Revenue Protection includes that, but also protects against price drops. So even if yields are strong, a weak market could still trigger a check.
Do I need to file a claim for Multiple Peril Crop Insurance (MPCI)?
Yes. Unlike PRF Insurance, you must report a notice of loss if your crop suffers. An adjuster will verify the damage before any indemnity is issued.
What crops are eligible for Multiple Peril Crop Insurance (MPCI)?
MPCI covers most row crops—corn, wheat, barley, sorghum, soybeans, and more. Availability depends on crop and county. We’ll help confirm what’s covered in your area.
How much does Multiple Peril Crop Insurance (MPCI) cost?
Premiums vary by crop, county, and coverage level—but they’re subsidized by the USDA, just like PRF. That makes solid protection affordable, especially in high-risk areas.
When should I sign up for Multiple Peril Crop Insurance (MPCI)?
Deadlines depend on the crop and county; we’ll walk you through what’s needed and when.
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