Crop Insured

All the citrus crops (listed below) are insurable if:

  • The trees have reached at least the sixth growing season after being set out or the fifth growing season after topwork or grafting to be insurable without a written agreement; and
  • You insure all of your acreage of each citrus fruit group you elect to insure.

Since each crop is a separate insurance unit, you can choose to insure one type and not another. For example, you could insure all of your lemon acreage and none of your grapefruit. However, not all citrus crops are insurable in all counties.

Grapefruit  All Grapefruit (Includes Hybrids and Pummelos)
Lemons All Lemons
Oranges Navel, Valencia, Sweet (Includes Blood)
Mandarins/Tangerines Clementine, W. Murcott, All Others
Tangelos Minneola, Orlando
Counties Available

Citrus is insurable in Fresno, Glenn, Imperial, Kern, Madera, Monterey, Orange, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, Stanislaus, Tulare, Ventura, and Riverside counties. Not all citrus is insurable in all counties. Citrus 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 conditions;
  • Earthquake;
  • Failure of irrigation water supply, if caused by an insured peril during the insurance year;
  • Fire;
  • Insects or plant disease, but not damage due to insufficient or improper application of control measures;
  • Volcanic eruption; or
  • Wildlife.
Insurance Period

To insure the crop, you must apply for coverage with a crop insurance agent by November 20. The citrus crop will then be insured from bloom until the end of harvest in two years.

Important Dates

Sales Closing/Cancellation…………November 20, 2017

Acreage Reporting…………January 15, 2018

Premium Billing…………August 15, 2018

Termination…………November 20, 2018

Coverage Levels and Premium Subsidies

The guarantee is based on an individual’s production history. Citrus production is measured in the number of cartons packed for fresh-market sales. You will be asked to provide four to ten years of production records from which your insurance agent calculates your average yield. 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.

Price Election
The price used to calculate your premium and indemnity. For citrus, price elections vary by crop and are re-calculated each year. Please talk to a crop insurance agent for current price election.
Loss Example

Assume an APH yield of 600 cartons per acre, 50 percent coverage level on 100 acres of citrus fruit, selected price of $6.20 per carton, and 100 percent share.

600  Cartons per acre average yield (APH)
0.50 Coverage level percentage
300 Cartons per acre guarantee
200 Cartons per acre actually produced
100 Cartons per acre loss
$6.20 Price election
$620 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 at RMA 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.