Crop Insurance Updates for 2025

By: Melissa Webb, Vice President, Relation - Agro Crop Insurance Agency

It’s my duty and pleasure to keep the NVG members informed on important updates that could impact your bottom line. The federal crop insurance program is a key risk management tool we recommend you look into for your vineyard operation. These programs are designed to protect you from weather events and perils that could impact your yield through the growing season, at a subsidized cost to you.

Upcoming Policy Deadlines
Grapevine Insurance – November 1st
Now available in 35 counties, this new program offers vineyard growers protection against vine loss due to fire, flood, freeze, failure of irrigation water supply due to drought, and hail. This is a separate coverage from the grape crop insurance policy and is specifically for vine mortality. The deadline to insure your vineyard for 2025 is November 1st, 2024 and coverage begins December 1st, 2024.

Grape Insurance – January 31st
This program provides coverage for yield losses caused by all naturally occurring perils (adverse weather, fire and smoke, failure of irrigation due to natural peril, etc.) The policy utilizes your individual growing records to establish the coverage. The deadline to insure your grapes is January 31st and coverage begins February 1st.

• NEW for 2025 – Enhanced Coverage Option (ECO) - County based coverage option allowing you toinsure up to 95% of your crop value using county-based losses.
• NEW for 2025 – Fire Insurance Protection – Smoke Index (FIP-SI) – County based smoke exposurecoverage option allowing you to add additional smoke coverage to your underlying policy usingcounty-based NOAA air quality data to determine a loss.

Whole Farm Revenue Protection – February 28th
This highly subsidized federal policy offers you revenue protection for farm revenue declines including market price decline. Coverage is broken out by farming entity, not by specific crops, and covers you for losses in revenue due to naturally occurring events that impact your yield and/or market price for your commodities. This policy utilizes your individual tax records (Schedule F), yield data, and potential contract prices to establish the revenue to be insured. The deadline to insure your farming revenue is February 28th.

Please reach out to Melissa Webb if you have any questions.