Dry Beans

Crop Insured

Dry Beans are insurable if:

  • You have a share in the crop;
  • Premium rates are provided by the actuarial documents;
  • Planted for harvest as dry beans or for harvest as contract seed beans, when applicable, if the seed bean processor contract is executed on or before the acreage reporting date; and
  • They are not interplanted with another crop or planted into an established grass or legume, unless allowed by the Special Provisions of Insurance or by written agreement.  

For crops, types or practices not insurable in a county, consult a crop insurance agent about the availability of coverage through a written agreement. 

Insurance Period

Coverage begins at the later of when we accept your application or the date the dry beans are planted, and ends with the earliest occurrence of one of the following:

  • Total destruction of the crop;
  • Harvest of the unit;
  • Final adjustment of loss;
  • Abandonment of the crop;
  • October 15 in Oklahoma, New Mexico, and Texas;
  • November 15 in California; and
  • October 31 in all other states.

See crop provisions for additional information. 

Acreage Reporting Requirements

You must file a report of planted acreage with your crop insurance agent by the acreage reporting date. Consult your crop insurance agent for more information and specific reporting requirements.

Acreage reporting dates:

New Mexico and Texas…………………..… 8/15

All Other States……………………………….7/15

Sales Closing Dates*

Dry Beans SCD Map

*Program may not be available in all counties.

Causes of Loss

You are protected against the following:

  • Adverse weather conditions, including natural perils such as hail, frost, freeze, wind, drought, and excess precipitation;
  • Earthquake;
  • Failure of the irrigation water supply, if caused by an insured peril during the insurance period;
  • Fire;
  • Insects and plant disease, except for insufficient or improper application of pest or disease control measures;
  • Wildlife; or
  • Volcanic eruption.
Duties in the Event of Damage or Loss

If a loss occurs you must:

  • Protect the crop from further damage by providing sufficient care;
  • Notify your crop insurance agent within 72 hours of your initial discovery of damage, but not later than 15 days after the end of the insurance
    period; and
  • Leave representative samples for each field of the damaged unit. 
Coverage Levels and Premium Subsidies

The premium subsidy percentages and available coverage levels, if electing basic units, are shown below. Your share of the premium will be 100 percent minus the subsidy amount.

Catastrophic Risk Protection (CAT) coverage is fixed at 50 percent of your average yield and 55 percent of the price election. The cost for CAT coverage is an administrative fee of $655, per crop per county.


 Coverage Level

50 55 60  65  70  75 80 85 
 Premium Subsidy 67 64 64 59 59 55 48  38
 Your Premium Share 33 36 36 41 41 45 52  62
Insurance Units
Basic, optional, and enterprise units are available for dry beans. In addition, or instead of, establishing optional units as provided in section 34(c) in the Common Crop Insurance Policy – Basic Provisions, a separate optional unit may be established for each bean type shown in the actuarial documents and including any type insured by written agreement. For example, if you have Great Northern and Pinto types, you may elect one enterprise unit for the Great Northern type or one enterprise unit for the Pinto type, or separate enterprise units for both types. Premium discounts apply for basic and enterprise units. Additional subsidy is available for enterprise units.
Coverage Options

You may buy crop insurance coverage under one of the insurance plans offered: Catastrophic Risk Protection or Actual Production History. Additional endorsements offering Yield Protection, Revenue Protection, or Revenue Protection with Harvest Price Exclusion are available in Colorado, Michigan, Minnesota, Nebraska, North Dakota, and Wyoming.

Additional Options are Contract Pricing, Coverage Level by Irrigation Practice, Hail & Fire Exclusion, Prevented Planting +5% Option, Supplemental Coverage Option (SCO), Enhanced Coverage Option (ECO); Yield Adjustment Option, Yield Cup and Yield Exclusion, where available.

Contact a Crop Insurance Agent for More Information

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

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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 www.ascr.usda.gov), 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.