Federal Crop Insurance Overview: Whole-Farm Revenue 

Protection (WFRP) and Micro Farm

Risk Management Agency 1
Providing Coverage for Diversified Producers

Micro Farm

• Less paperwork requirements.

• Insures farm operations with approved revenue up to 

$350,000 for the initial year of insurance & $400,000 for 

carry-over policies.

• Post-production and value-added costs may be included in 

approved revenue.

• Expected value are based on the insured’s past three to 

five-year average of total revenue and acres.

• May purchase additional individual crop policies at any 

coverage level:

– Indemnities that exceed Micro Farm deductible will 

be included as revenue.

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WFRP

• Covers up to $17 million of revenue.

• Post-production costs are not included.

• Expected value are primarily based on third-party sources.

• Expected yields are based on underlying policies or 

insured’s four- to ten-year average.

• May combine with other individual crop policies with any 

coverage level:

– Any indemnities from these policies will count as 

revenue earned under WFRP.

• WFRP - first offered in 2015 to provide coverage for all crops under one crop insurance policy for diversified 

producers including specialty and organic crops.

• Micro Farm - first offered in 2022 as a streamlined approach to WFRP - specifically for small producers.
What does WFRP & Micro Farm cover?

• Revenue from all commodities produced on the farm:

– Including Hemp.

– Animals and animal products.

– Commodities purchased for resale (up to 50% of total).

– Excluding timber, forest, forest products, and animals for sport, show, or pets.

• Replant costs (with approval):

– Not available under Micro Farm.

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What is Micro Farm?

• A streamlined/more accessible version of WFRP

– Insures farm operations with approved revenue up to $350,000 for the 

initial year of insurance & $400,000 for carry-over policies.

– Post-production and value-added costs may be included in approved 

revenue.

• For example: jams, jellies, or pies made from fruit produced on farm operation.

– Expected value is based on the insured’s past three- to five-year average of 

total revenue and acres.

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How is the amount of insured revenue determined?

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WFRP and Micro Farm insured 

revenue is the lower of:

• Current year’s expected revenue 

(determined on the farm plan) at the 

selected coverage level; or

• The adjusted historic revenue at the 

selected coverage level.
WFRP & Micro Farm Coverage Options

• Flexible coverage levels to tailor to your 

need

– 50-85%, in 5% increments.

– All WFRP and Micro Farm insureds eligible 

for 80 & 85% coverage.

– No catastrophic level available.

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Post-production & Value Added

• Micro Farm:

− Post-production, value-added, and market readiness operations may be 

included in expected prices and allowable revenue.

• WFRP:

– Post-production & Value-added costs must be removed from expected prices 

and allowable revenue.

– Costs for market readiness operations may be left in the approved revenue.

*Market readiness operations is defined as:

– Minimum required to remove commodity from the field and make market ready.

– On farm, in-field, or close-proximity to field.

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What causes a loss payment under WFRP & Micro Farm?

• Natural causes of loss and decline in 

market price during the insurance 

period.

• Taxes must be filed for the policy 

year before any claim can be made.

• When revenue-to-count for the 

policy year is lower than insured 

revenue, a loss payment will be 

made.

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Does diversification matter for WFRP & Micro Farm? 

The diversification measure 

determines:

• The amount of the diversification 

discount to the premium rate.

− Micro Farm is a set discount.

• Amount of premium subsidy.

• Eligibility for farms producing potatoes or 

crops with other revenue protection 

available

• Must have at least two commodities

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Yes!
WFRP & Micro Farm Premium Subsidy

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WFRP limits for qualification:

• Covers up to $17 million of 

revenue:

– Coverage limited to $2 million in 

expected revenue from animals and 

animal products, excluding 

aquaculture commodities.

– Coverage limited to $2 million in 

expected revenue from 

greenhouse/nursery, excluding 

aquaculture commodities:

 Products also insurable under 

nursery policy.

 Doesn’t include items such as 

produce grown in hoop houses.

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Coverage Level Maximum Farm Approved 

Revenue

85 $20,000,000

80 $21,250,000

75 $22,666,666

70 $24,285,714

65 $26,153,846

60 $28,333,333

55 $30,909,090

50 $34,000,000
Providing Coverage for Diversified Producers

Micro Farm

• Less paperwork requirements.

• Insures farm operations with approved revenue up to 

$350,000 for the initial year of insurance & $400,000 for 

carry-over policies.

• Post-production and value-added costs may be included in 

approved revenue.

• Expected value are based on the insured’s past three to 

five-year average of total revenue and acres.

• May purchase additional individual crop policies with any 

coverage level:

– Indemnities that exceed Micro Farm deductible will 

be included as revenue.

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WFRP

• Covers up to $17 million of revenue.

• Post-production costs are not included. 

• Expected value are primarily based on third-party sources.

• Expected yields are based on underlying policies or 

insured’s four- to ten-year average.

• May purchase additional individual crop policies with any 

coverage level:

– Any indemnities from these policies will count as 

revenue earned under WFRP.

BENEFIT: Provides coverage for a wide variety of crops, including crops that may not 

have individual coverage, under one crop insurance policy.
Expansion Adjustments & Help When Bad Years Occur

• Historic revenue is adjusted by:

− Farm expansion:

 Automatic historical revenue adjustment calculation the accounts for farm growth 

(Insured may opt out this adjustment).

 Expanding operations provision allows for up to 35% growth over historic average, for 

most operations, with insurance company approval.

 (Micro Farm) - Applicable only to physical expansion, i.e., added acres.

• (WFRP Only) - For expanding operations due solely to certified organic production, the limit on 

growth is the higher of 35% or $500,000.

− Options to Account for Bad Years:

 Revenue Substitution.

 Revenue Exclusion.

 90% Cup on Approved Revenue. 13
What information is required?

• WFRP

– Five years of farm tax forms

 For 2024, requires tax forms from 2018-2022 (calendar & 

early fiscal year filers) 2017-2021 (late fiscal year filers).

o Exceptions: Veteran/Beginning Farmers or Ranchers 

(VFR/BFR) or applicants that qualified as a VFR/BFR in the 

previous year, qualifying persons not required to file a US 

Tax Return (i.e., Tribal Entities), and producers that were 

physically unable to farm one year.

• Micro Farm

– At least three years of farm tax forms.

 For 2024, requires tax forms from 2021-2023 (calendar & 

early fiscal filers) 2020-2022 (late fiscal filers). 14
What information is required? 

• Information about what will be produced on the farm 

during the insurance period (WFRP).

• Total Revenue and acreage for at least the last three 

years up to five years (Micro Farm):

– Used to complete the Intended Farm Operation Report.

• Other information as applicable, such as:

– Supporting records (if requested), organic certification, 

inventory, or accounts receivable information.

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What is the timeline for WFRP – Micro Farm?

• Sales begin generally by September 1.

• Last day to purchase: Sales Closing Date

– Late fiscal year filers (all counties) – Nov 20.

– (WFRP) - County specific date - Jan 31, Feb 28, 

or Mar 15.

– (Micro Farm) – County specific date – Feb 28, 

Mar 31, or Apr 15.

– Intended Farm Operation Report is completed.

• Revised Farm Operation Report Due:

– Jul 15 for all insureds.

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What is the timeline for WFRP & Micro Farm?

• Billing date:

– Aug 15 for all insureds.

• Final Farm Operation Report completed 

earlier of:

– Time of loss determination; or

– Next Policy Year’s Sales Closing Date.

 If not completed-limited to 65% coverage the 

next year.

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Other facts to understand about WFRP & Micro Farm

• WFRP & Micro Farm covers revenue “produced” in the insurance period 

− A commodity not harvested or sold will count as revenue.

− A commodity grown last year and sold this year will not be covered.

− For commodities that grow each year, like cattle, only the growth for the 

insurance year counts. (i.e., Calves worth $800 at beginning of the year and to 

be sold at $2,000, the value insured will be $1,200).

− Inventories and Accounts Receivable are used to determine the “produced” 

amounts.

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Other facts to understand about WFRP & Micro Farm

• Expected values for Direct Marketed commodities under WFRP are 

determined by the previous three-year average of allowable revenue and 

acreage for all commodities produced on the farm operation:

• Expected values under Micro Farm are determined by the previous threeto five-year average of allowable revenue and acreage for all commodities 

produced on the farm operation:

– Post-production and value-added revenue may be included in allowable revenue 

and expected prices under Micro Farm.

– Insureds with five years of records have the option to exclude one year for the 

purposes of expected value determinations.

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Other facts to understand about WFRP

• Prices and yields used to value commodities to be grown must meet the 

expected value and yields guidelines in the policy

– The values must be what producers can reasonably expect to receive in the local area 

for the commodity.

 Based, to the extent possible, on third party sources.

 Marketing contracts used at the time they become effective within policy 

limitations.

– The yields must be what the producers can reasonably expect to produce under 

normal growing conditions.

 For commodities also covered under another FCIC plan of insurance, the approved 

yield for the underlying policy.

 For commodities with no other coverage, the insured’s four- to ten-year average 

yield, using replacement yields when allowed by policy.

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How do producers buy WFRP & Micro Farm protection?

Purchase through a Crop Insurance Agent:

The agent locator tool on RMA’s website:

www.rma.usda.gov/informationtools/agentlocator

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Questions?

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• WFRP Team Contacts:

– Lane Webb - lane.webb@usda.gov

– Griffin Schnitzler – griffin.schnitzler@usda.gov

– WFRP Team – rma.wfrp@usda.gov