Crop Insured

All almonds in the county can be insured if:

  • They are grown in an orchard where at least 90 percent of the trees have reached their sixth growing season after being set out;
  • You insure all your almonds in a county at the same coverage level; and
  • Orchards may be insured as a separate unit if located on non-contiguous land.
Counties Available
Almonds are insurable in Butte, Colusa, Fresno, Glenn, Kern, Kings, Madera, Merced, San Joaquin, Solano, Stanislaus, Sutter, Tehama, Tulare, Yolo, and Yuba counties. Almonds in other counties may be insurable by written agreement if specific criteria are met. Contact a crop insurance agent for more details.
Causes of Loss

You are protected against the following:

  • Adverse weather;
  • Earthquake;
  • Failure of irrigation water supply; if caused by insured peril during the insurance year;
  • Fire;
  • Insect damage and/or plant disease; unless you have insufficiently or improperly applied pest or disease control measures;
  • Volcanic eruption; or
  • Wildlife.
Insurance Period

Coverage begins on January 1 for the first insurance year and ends no later than November 30 of the same year or at the earliest occurrence of one of the following:

  • Total destruction of the crop;
  • Harvest of the crop;
  • Abandonment of the crop; or
  • Final adjustment of a loss.
Important Dates
Sales Closing/Cancellation…....December 31, 2016
Acreage Reporting………...……......March 15, 2017
Premium Billing……….....….....…...August 15, 2017
Termination………….......……...December 31, 2017
Coverage Levels and Premium Subsidies

The production guarantee of almond meats are measured in pounds. The weight of almonds sold in-shell are converted to meat pounds using sampleshelling percentages when available or USDA shell-out factors. Individual approved average yields are calculated from four to ten years of production records you give to your insurance agents.

Coverage levels range from 50 to 75 percent of your approved yield. Crop insurance premiums are subsidized as shown in the following table. For example, if you choose the 65 percent coverage level, your premium share would be 41 percent of the base premium.

Item Percent
Coverage Level
50 55 60 65 70 75
Premium Subsidy
67 64 64 59 59 55
Your Premium Share
33 36 36 41 41 45

Catastrophic Risk Protection (CAT) coverage is fixed at 50 percent of your approved yield and 55 percent of the price election. CAT is 100 percent subsidized with no premium cost to you. There is, however, an administrative fee of $300 per crop per county, regardless of the acreage.

Additional coverage is $30 per crop, per county. Waivers of administrative fees for all coverage levels (CAT and additional) are available for limited-resource farmers.

Price Election

The price used to calculate your premium and indemnity.

Almonds (conventional)…….….$2.90 per pound
Almonds (certified organic)…....$4.05 per pound

Loss Example

Assume 65 percent coverage, 100 percent price election of $2.90 per pound, an average yield of 2,400 pounds per acre, and 100 percent share.

2,400 Pounds per acre average yield
0.65 Coverage level percentage
1,560 Pounds per acre guarantee
400 Pounds per acre actually produced
1,160 Pounds per acre loss
$5.60 Price Election
$3,364 Gross indemnity per acre

Price used above is for example only. Contact a crop insurance agent for current information.

Where to Buy Crop Insurance
All multi-peril crop insurance, including CAT policies, are available from private insurance agents. A list of crop insurance agents is available at all USDA service centers and on the RMA website at Agent Locator.

  Regional Office Visit

  • Jeffrey Yasui, Director
    430 G Street, Suite 4168
    Davis, CA 95616-4168
  • Phone: 530-792-5870
  • Fax: 530-792-5893
  • Email:
This fact sheet gives only a general overview of the crop insurance program and is not a complete policy. For further information and an evaluation of your risk management needs, contact a crop insurance agent
The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or a part of an individual’s income is derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at 202-720-2600 (voice and TDD). To file a complaint of discrimination, complete, sign and mail a program discrimination complaint form, (available at any USDA office location or online at, to: United States Department of Agriculture; Office of the Assistant Secretary for Civil Rights; 1400 Independence Ave., SW; Washington, DC 20250-9410. Or call toll free at (866) 632- 9992 (voice) to obtain additional information, the appropriate office or to request documents. Individuals who are deaf, hard of hearing, or have speech disabilities may contact USDA through the Federal Relay service at (800) 877-8339 or (800) 845-6136.