Small Grains: Buckwheat, Flax, Oats, and Rye

Sales Closing Dates*

Small Grains - APH Flax and Buckwheat Map

Small Grains - APH Oats Map

Small Grains - Rye Map

*Program may not be available in all counties.              Sales Closing Dates text (PDF)

Crop Insured

Small Grains are insurable if:

  • You have a share;
  • Premium rates are provided by the actuarial documents;
  • It is grown on insurable acreage;
  • It is planted for harvest as grain; and
  • Buckwheat is grown under and in accordance with a processor contract.

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 when the crop is 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;
  • July 31 in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee;
  • August 31 for winter types in Virginia;
  • September 25 in Alaska; or
  • October 31 for all other states and spring types in Virginia.

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. Acreage reporting dates vary by crop and county. Consult your crop insurance agent for more information and specific reporting requirements.

Acreage reporting dates:

  • Spring Oats.........…...…….5/15, 6/15, or 7/15
  • Buckwheat, Flax............….7/15 or 8/15
  • Rye.......................………..11/15 or 1/15
  • No Type Specified Oats,
    Winter Oats.........…......….12/15, 1/15, 3/15, or 5/15
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.

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

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.

Insurance Units

Basic, optional, enterprise, and whole farm unit structures are available in select counties for small grains. Premium discounts apply for basic and enterprise units. You may only elect whole farm units if you select a Revenue Protection plan of insurance.

Coverage Options

For buckwheat and flax, you may buy crop insurance coverage under one of the insurance plans offered: Catastrophic Risk Protection or Actual Production History.

For oats and rye, you may buy crop insurance coverage under one of the insurance plans offered: Catastrophic Risk Protection, Revenue Protection, Revenue Protection with Harvest Price Exclusion, or Yield Protection, where available.

Additional options are Contract Pricing, Coverage Level by Irrigated Practice, Hail & Fire Exclusion, Personal T-Yield Option, Prevented Planting +5% Option, Quality Loss Option, Supplemental Coverage Option, Enhanced Coverage Option, Trend Adjusted Yield Option, Yield Adjustment Option, Yield Cup Option, 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 website 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.
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