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Manage flood risk with proper crop insurance plan

Ag News Wire
By Gary Hachfeld, University of Minnesota Extension

ST. PAUL, Minn. (3/28/2011) —Farmers who are prevented from planting their crops due to spring flooding can manage this risk if they have purchased federal crop insurance. Federal crop insurance includes prevented-planting coverage for flooding.

Yield protection, Revenue Protection and Revenue Protection with Harvest Price Exclusion policies all include prevented-planting coverage. There is no prevented-planting coverage with Group Risk Plan or Group Risk Income Protection insurance.

By federal definition, prevented planting is failure to plant the insured crop with the proper equipment by the final planting date designated in the insurance policy. Final planting dates vary by crop and by area. For example, the final planting dates are generally May 31 for corn, June 10 for soybeans, and May 15 to June 5 for wheat, depending on location. Farmers should check with their insurance agent if they have questions on the final planting date.

Farmers who have had an insurance policy in the past are eligible for prevented-planting coverage. New policyholders are also eligible if their loss occurred after the sales closing date and all other prevented-planting requirements are met.

If a farmer is prevented from planting a crop by the final planting date, there are several choices. Those choices include:


  1. Plant the crop during the late planting period, which is generally 25 days after the final planting date. There is a reduction per day in coverage using this choice.

  2. Plant the crop after the late planting period with no reduction in the insurance coverage.

  3. Leave the acreage unplanted and receive a full prevented-planting payment.

  4. Plant a cover crop and receive a full prevented-planting payment and graze or hay the crop after November 1.

  5. Plant another crop (not the insured crop) after the late planting period or after the final planting date if no late planting period applies. Hay or graze a cover crop, but not before November 1, and receive 35 percent of the prevented-planting guarantee.

There are many provisions included in the prevented-planting provision of federal crop insurance. Keep good records and documentation. When in doubt, read your crop insurance policy or contact your crop insurance agent. Any small infraction of any of the provisions can result in no indemnity payment and loss of the crop insurance protection you purchased.

Citizens can access the most up-to-date information on flood preparation and recovery by visiting University of Minnesota Extension's website at www.extension.umn.edu/flood. Find more information from Extension's agricultural business management program at www.extension.umn.edu/AgBusinessManagement.



Any use of this article must include the byline or following credit line:
Gary Hachfeld is an agricultural business management educator with University of Minnesota Extension.

Media Contact: Catherine Dehdashti, U of M Extension, (612) 625-0237, ced@umn.edu

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