{"id":6468,"date":"2016-02-11T10:06:09","date_gmt":"2016-02-11T15:06:09","guid":{"rendered":"https:\/\/extension.umaine.edu\/agriculture\/?page_id=6468"},"modified":"2025-01-08T12:49:59","modified_gmt":"2025-01-08T17:49:59","slug":"risk-management","status":"publish","type":"page","link":"https:\/\/extension.umaine.edu\/agriculture\/crop-insurance\/risk-management\/","title":{"rendered":"Risk Management"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-6514\" style=\"border: 0px\" src=\"https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2016\/02\/risk-management.jpg\" alt=\"aerial view of apple farm\" width=\"200\" height=\"200\" srcset=\"https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2016\/02\/risk-management.jpg 200w, https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2016\/02\/risk-management-150x150.jpg 150w, https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2016\/02\/risk-management-105x105.jpg 105w\" sizes=\"auto, (max-width: 320px) 85vw, (max-width: 768px) 67vw, (max-width: 1024px) 62vw,200px\" \/>Farmers can choose from various\u00a0risk management policies\u00a0to protect their operation from financial loss.<\/p>\n<h3>Crop Insurance and Whole Farm Revenue Protection<\/h3>\n<p>The USDA Risk Management Agency (RMA) offers a federally subsidized crop insurance program through <a href=\"https:\/\/public-rma.fpac.usda.gov\/AipListing\/InsuranceProviders\" target=\"_blank\" rel=\"noopener noreferrer\">private insurance companies<\/a>. Crop insurance provides coverage against production losses due to drought, hail, frost, hurricanes, excessive moisture, fire, insects, plant disease and wildlife damage. It provides protection for up to 75% (85% for some crops) of the farmers\u00a0actual yield history or against revenue loss. Individual crop insurance policies exist for <a href=\"https:\/\/extension.umaine.edu\/agriculture\/crop-insurance\/crop-policies\/\">annual, perennial, and livestock crops<\/a>.<\/p>\n<h3>Noninsured Crop Disaster Assistance Program (NAP)<\/h3>\n<p>The USDA Farm Service Agency (FSA) offers\u00a0<a href=\"https:\/\/www.fsa.usda.gov\/tools\/informational\/fact-sheets\/noninsured-crop-disaster-assistance-program-nap\">NAP (Fact Sheet)<\/a> to provide yield protection for crops ineligible for traditional crop insurance. \u00a0NAP provides protection for up to 65% of the farmers actual yield history. \u00a0The FSA also provides programs for livestock crops at <a href=\"https:\/\/www.fsa.usda.gov\/tools\/informational\/fact-sheets\/noninsured-crop-disaster-assistance-program-nap-emergency\" target=\"_blank\" rel=\"noopener\">NAP\/ELAP Honey and Honeybee (Fact Sheet)<\/a>.<\/p>\n<h3>Risk Management Tools<strong><br \/>\n<\/strong><\/h3>\n<ul>\n<li><a href=\"https:\/\/www.rma.usda.gov\/Topics\/Manage-Your-Farm-Risk\" target=\"_blank\" rel=\"noopener noreferrer\">Farm Risk Plans<\/a> &#8212; Resources, Tools and Calculators<\/li>\n<li><a href=\"https:\/\/legacy.rma.usda.gov\/pubs\/2011\/risk_management_checklist.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Risk Management Checklist (PDF from USDA RMA)<\/a><\/li>\n<li><a href=\"https:\/\/legacy.rma.usda.gov\/pubs\/2011\/swot_brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Strengths, Weaknesses, Opportunities, and Threats Analysis Tool (PDF from USDA RMA)<\/a><\/li>\n<\/ul>\n<p>Farmers are encouraged to visit the <a href=\"http:\/\/www.rma.usda.gov\" target=\"_blank\" rel=\"noopener noreferrer\">RMA website<\/a>, and to contact their\u00a0<a class=\"ext-link ext-icon-6\" title=\" opens a new window\" href=\"https:\/\/public-rma.fpac.usda.gov\/apps\/AgentLocator\/#!\/#%2F\" target=\"_blank\" rel=\"external nofollow noopener noreferrer\">local crop insurance agent<\/a> or <a class=\"ext-link ext-icon-6\" title=\" opens a new window\" href=\"https:\/\/www.fsa.usda.gov\/state-offices\/maine\" target=\"_blank\" rel=\"external nofollow noopener noreferrer\">Maine State Farm Service Agency<\/a> office.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center\"><span style=\"font-weight: 400\">This material is based upon work supported by USDA\/RMA under Award Number RMA24CPT0013927.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-15605 size-medium aligncenter\" src=\"https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2025\/01\/usda-rma-mark-color-1-300x141.jpg\" alt=\"Logo for USDA Risk Management Agency\" width=\"300\" height=\"141\" srcset=\"https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2025\/01\/usda-rma-mark-color-1-300x141.jpg 300w, https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2025\/01\/usda-rma-mark-color-1-105x49.jpg 105w, https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2025\/01\/usda-rma-mark-color-1-317x149.jpg 317w, https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2025\/01\/usda-rma-mark-color-1-423x199.jpg 423w, https:\/\/extension.umaine.edu\/agriculture\/wp-content\/uploads\/sites\/14\/2025\/01\/usda-rma-mark-color-1.jpg 500w\" sizes=\"auto, (max-width: 320px) 85vw, (max-width: 768px) 67vw, (max-width: 1024px) 62vw,300px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Farmers can choose from various\u00a0risk management policies\u00a0to protect their operation from financial loss. Crop Insurance and Whole Farm Revenue Protection The USDA Risk Management Agency (RMA) offers a federally subsidized crop insurance program through private insurance companies. Crop insurance provides coverage against production losses due to drought, hail, frost, hurricanes, excessive moisture, fire, insects, plant [&hellip;]<\/p>\n","protected":false},"author":95,"featured_media":0,"parent":4700,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"templates\/page-withsidebar.php","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-6468","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Risk Management - Cooperative Extension: Agriculture - University of Maine Cooperative Extension<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/extension.umaine.edu\/agriculture\/crop-insurance\/risk-management\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risk Management - Cooperative Extension: Agriculture - University of Maine Cooperative Extension\" \/>\n<meta property=\"og:description\" content=\"Farmers can choose from various\u00a0risk management policies\u00a0to protect their operation from financial loss. 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