Fire Insurance Protection – Smoke Index (FIP-SI)

The Fire Insurance Protection-Smoke Index (FIP-SI) Endorsement covers a portion of the deductible of the Grape Crop Provisions when the insured county experiences a minimum number of Smoke Events as determined by the Federal Crop Insurance Corporation (FCIC) in accordance with the Smoke Data Provisions (SDP) and identified in the actuarial documents. The coverage provided by this Endorsement may be combined with the Supplemental Coverage Option (SCO) Endorsement or the Catastrophic Risk Protection Endorsement (CAT).

For the 2025 crop year, the FIP-SI Endorsement is only available for grapes grown in California, insured under the Grape Crop Provisions, and in those counties listed in the Grape actuarial documents. The deadline to purchase FIP-SI coverage for the 2025 crop year and beyond will be the same sales closing date as for the underlying policy.

An administrative fee and premium for the crop covered by each FIP-SI Endorsement will be due in addition to any administrative fee and/or premium for the underlying policy. However, the FIP-SI administrative fee may be waived if the producer qualifies as a limited resource farmer, a Beginning Farmer Rancher (BFR) or a Veteran Farmer Rancher (VFR).

FIP-SI provides protection against widespread loss in a county. Individual vineyard yields and revenues are not considered under FIP-SI, and it is possible that an insured may experience reduced yield and not receive an indemnity under FIP-SI. Likewise, producers may receive an indemnity under FIP-SI but not their grape policy. Triggered counties will be determined after the end of the insurance period. An insured is not required to file a notice of loss. The counties where payments occur will be identified in the actuarial documents.