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The Federal Crop Insurance Corporation (FCIC) is managed by the Risk Management Agency (RMA), which is part of the U.S. Department of Agriculture. Crop insurance has been supported and regulated by the federal government since 1938. Since then it has undergone a number of changes and improvements.
In 1994, crop insurance became mandatory for agricultural land owners, but this mandate was repealed in 1996. However, farmers who do not have crop insurance are not eligible for other federal disaster benefits, so this coverage is highly recommended.
Since 2000, private insurance companies have been permitted to offer crop insurance products. These companies must contract through the RMA. Local independent insurance agents can help you review your coverage options so you can compare quotes and policies that are available to you.
There are more than 35,000 farms covering 10.7 million acres of land in the state of Mississippi. The combined market value of the agricultural products sold in this state exceeds $6 billion.
Unfortunately, all this valuable farmland is subject to forces of nature outside your control. If a tornado destroys your crops or if an extended drought causes large financial losses, crop insurance can help your farm to stay financially solvent.
There are three different types of coverage offered by crop insurance: crop-hail coverage, multiple peril crop coverage, and crop revenue coverage. You may elect to purchase any or all of these coverage types.
Crop-hail insurance is not part of the Federal Crop Insurance Program, so it must be purchased through a private insurer. This can prove to be a very valuable coverage option for farmers who live in areas that frequently experience hailstorms. This coverage typically comes with a very low deductible because hail has the potential to destroy crops in one part of your farm while leaving other parts unscathed.
Crop-hail insurance can be purchased at any point in the growing season.
Multiple Peril Crop Insurance (MPCI)
Most farmers who opt for crop insurance purchase MPCI. This insurance is part of the Federal Crop Insurance Program and is therefore government regulated. It is designed to cover crop losses related to natural events including:
MPCI is available for more than 100 different types of crops, but some crops are only covered in certain geographical areas. An independent insurance agent can help you review your agricultural products to determine whether you are able to get MPCI coverage for them.
MPCI must be purchased each growing season before your crops are planted.
Crop Revenue Insurance
Some years your farm may not produce as much as others. Crop revenue insurance can provide compensation in years that you have a low yield or when the market price of your crop is significantly lower than usual. This coverage was strengthened by the 2014 Farm Bill.
A local independent insurance agent can help you review your various options so that you can get the coverage that is right for your farm.
The cost of crop insurance in Mississippi is dependent on several different factors including the size of your farm, the types of crops you are insuring, the inherent weather risks in your area, and the types of coverage you wish to buy.
An experienced independent insurance agent can help you purchase Mississippi crop insurance. Independent agents can help you evaluate your coverage needs and options, and can find an insurance company that can meet your needs and budget.
There are currently 208 independent agents in Mississippi. Find an agent near you to learn more about finding the right crop insurance.
Number of farms in the US: 2.02 million
Average farm size: 444 acres
Provides 965,000 jobs
|City||Average Crop Value per farm in County||Top Two Weather Risks|
|Jackson||$70,106||Severe Storms and Tornados|
|Gulfport||$10,417||Hurricanes and Floods|
|Oxford||$19,904||Tornados and Severe Storms|
|Columbus||$104,277||Severe Storms and Tornados|
|Southaven||$115,385||Floods and Severe Storms|
|Hattiesburg||$58,074||Hurricanes and Floods|
|Biloxi||$10,417||Hurricanes and Floods|
|Meridian||$14,453||Tonados and Floods|
|Tupelo||$85,765||Severe Storms and Tornados|
|Leland||$955,762||Severe Storms and Floods|
|Olive Branch||$115,385||Floods and Severe Storms|
|Horn Lake||$115,385||Floods and Severe Storms|
|Clinton||$70,106||Severe Storms and Tornados|
|Pearl||$165,989||Floods and Severe Storms|
|Pass Christian||$10,417||Hurricanes and Floods|
|Long Beach||$10,417||Hurricanes and Floods|
|Fulton||$39,623||Severe Storms and Tornados|
|New Albany||$24,785||Tornados and Severe Storms|
|Flowood||$165,989||Floods and Severe Storms|
|Pascagoula||$35,164||Hurricanes and Floods|
|Brandon||$165,989||Floods and Severe Storms|
|Kosciusko||$50,686||Severe Storms and Tornados|
|Gautier||$35,164||Hurricanes and Floods|
|Laurel||$234,062||Hurricanes and Floods|
|Clarksdale||$657,798||Floods and Severe Storms|
|Ocean Springs||$35,164||Hurricanes and Floods|
|Natchez||$52,226||Floods and Hurricanes|
|Greenwood||$806,193||Severe Storms and Tornados|
|Forest||$378,269||Severe Storms and Tornados|
|Cornith||$52,226||Severe Storms and Tornados|
|Hernando||$115,385||Floods and Severe Storms|
|Moss Point||$35,164||Hurricanes and Floods|
|Canton||$48,599||Severe Storms and Tornados|
|Grenada||$36,776||Severe Storms and Tornados|
|McComb||$140,021||Tornados and Floods|
|Brookhaven||$117,404||Tornados and Floods|
|Cleveland||$661,121||Floods and Severe Storms|
|Byram||$70,106||Severe Storms and Tornados|
|Yazoo City||$225,109||Floods and Tornados|
|West Point||$219,654||Severe Storms and Tornados|
|Indianola||$782,282||Severe Storms and Tornados|
|Bay St. Louis||$10,988||Hurricanes and Floods|
|Booneville||$30,835||Severe Storms and Tornados|
|Senatobia||$78,024||Severe Storms and Tornados|
|Amory||$76,070||Severe Storms and Tornados|
|Aberdeen||$76,070||Severe Storms and Tornados|
|Madison||$48,599||Severe Storms and Tornados|
|Ridgeland||$48,599||Severe Storms and Tornados|
|Starkville||$37,673||Severe Storms and Tornados|
|Vicksburg||$128,722||Floods and Severe Storms|