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        <span class="visible-sm-block visible-md-block visible-xs-block">Okla.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Oregon" target="" title="Oregon Main Menu Link">
        <span class="visible-lg-block">Oregon</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Ore.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Pennsylvania" target="" title="Pennsylvania Main Menu Link">
        <span class="visible-lg-block">Pennsylvania</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Pa.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Puerto-Rico" target="" title="Puerto Rico Main Menu Link">
        <span class="visible-lg-block">Puerto Rico</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">P.R.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Rhode-Island" target="" title="Rhode Island Main Menu Link">
        <span class="visible-lg-block">Rhode Island</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">R.I.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/South-Carolina" target="" title="South Carolina Main Menu Link">
        <span class="visible-lg-block">South Carolina</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">S.C.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/South-Dakota" target="" title="South Dakota Main Menu Link">
        <span class="visible-lg-block">South Dakota</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">S.D.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Tennessee" target="" title="Tennessee Main Menu Link">
        <span class="visible-lg-block">Tennessee</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Tenn.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Texas" target="" title="Texas Main Menu Link">
        <span class="visible-lg-block">Texas</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Tex.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Utah" target="" title="Utah Main Menu Link">
        <span class="visible-lg-block">Utah</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Utah</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Vermont" target="" title="Vermont Main Menu Link">
        <span class="visible-lg-block">Vermont</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Vt.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Virginia" target="" title="Virginia Main Menu Link">
        <span class="visible-lg-block">Virginia</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Va.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Washington" target="" title="Washington Main Menu Link">
        <span class="visible-lg-block">Washington</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Wash.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/West-Virginia" target="" title="West Virginia Main Menu Link">
        <span class="visible-lg-block">West Virginia</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">W.Va.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Wisconsin" target="" title="Wisconsin Main Menu Link">
        <span class="visible-lg-block">Wisconsin</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Wis.</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/RMALocal/Wyoming" target="" title="Wyoming Main Menu Link">
        <span class="visible-lg-block">Wyoming</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Wyo.</span>
    </a>

                                                        </li>
                                                </ul>
                                            </div>
                                        </li>
                            </ul>
                        </li>
                        <!-- Had to put class names in strings so that IE would recognize all of them /smh -->
<li class="mainnav-dropdown dropdown ">
                            <a href="/Commodity" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Commodities <span class="caret"></span></a>
                            <ul class="mainnav-dropdownlist dropdown-menu " role="menu">
                                <!-- megamenu-fw-->
                                <!-- wrapperClass-->
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Commodity" target="" title="Lookup Commodity Main Menu Link">
        <span>Lookup Commodity</span>
    </a>

                                        </li>
                            </ul>
                        </li>
                        <!-- Had to put class names in strings so that IE would recognize all of them /smh -->
<li class="mainnav-dropdown dropdown megamenu-fw">
                            <a href="/" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Tools <span class="caret"></span></a>
                            <ul class="mainnav-dropdownlist dropdown-menu megamenu-content" role="menu">
                                <!-- megamenu-fw-->
                                <!-- wrapperClass-->
                                        <li class="">
                                            <div class="">
                                                <ul class="innerDropDown popular-tools  ">
                                                    <!-- insert if table layout-->
                                                        <li class="center-block">
                                                            
    <a href="/Information-Tools/Summary-of-Business" target="" title="Summary of Business Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-sob.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Summary of Business</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">SOB</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="/Information-Tools/Agent-Locator" target="" title="Agent Locator Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-al.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Agent Locator</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">Agent Locator</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="https://webapp.rma.usda.gov/apps/actuarialinformationbrowser/" target="" title="Actuarial Info Browser Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-aib.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Actuarial Info Browser</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">AIB</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="https://public-rma.fpac.usda.gov/apps/MapViewer/index.html" target="_blank" title="RMA Map Viewer Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-cidt.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">RMA Map Viewer</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">RMA Map Viewer</span>
        </div>
    </a>

                                                        </li>
                                                        <li class="center-block">
                                                            
    <a href="https://ewebapp.rma.usda.gov/apps/costestimator/" target="_blank" title="Cost Estimator Main Menu Link">
        <div class="imageSet">
            <img class="center-block  " src="/-/media/RMA/Images/Icons/icon-ce.ashx" alt="Menu Icon" />
        </div>
        <div>
            <span class="visible-lg-block">Cost Estimator</span>
            <span class="visible-sm-block visible-md-block visible-xs-block">Cost Est</span>
        </div>
    </a>

                                                        </li>
                                                </ul>
                                            </div>
                                        </li>
                                        <li class="">
                                            <div class="">
                                                <ul class="innerDropDown multi-column-dropdown listncol tools ">
                                                    <!-- insert if table layout-->
                                                        <li class="">
                                                            
    <a href="https://webapp.rma.usda.gov/apps/actuarialinformationbrowser/" target="_blank" title="Actuarial Information Browser Main Menu Link">
        <span class="visible-lg-block">Actuarial Information Browser</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">AIB</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Agent-Locator" target="" title="Agent Locator Main Menu Link">
        <span>Agent Locator</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://public-rma.fpac.usda.gov/AipListing" target="" title="AIP Companies Main Menu Link">
        <span>AIP Companies</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Associated-Agencies-and-Partners" target="" title="Associated Agencies and Partners Main Menu Link">
        <span>Associated Agencies and Partners</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Summary-of-Business/Cause-of-Loss" target="" title="Cause of Loss Main Menu Link">
        <span class="visible-lg-block">Cause of Loss</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Cause of Loss</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://ewebapp.rma.usda.gov/apps/costestimator/" target="_blank" title="Cost Estimator Main Menu Link">
        <span>Cost Estimator</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://public-rma.fpac.usda.gov/apps/MapViewer/index.html" target="" title="County Programs Main Menu Link">
        <span class="visible-lg-block">County Programs</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">County Programs</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Crop-Indemnity-Maps" target="" title="Crop Indemnity Maps Main Menu Link">
        <span>Crop Indemnity Maps</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Crop-Weather" target="" title="Crop Weather Main Menu Link">
        <span class="visible-lg-block">Crop Weather</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Crop Weather</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://pubfs-rma.fpac.usda.gov/" target="_blank" title="FTP File Access Main Menu Link">
        <span class="visible-lg-block">FTP File Access</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">FTP</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Summary-of-Business/Livestock-and-Dairy-Participation" target="" title="Livestock and Dairy Participation Main Menu Link">
        <span class="visible-lg-block">Livestock and Dairy Participation</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock and Dairy Participation</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Livestock-Reports" target="" title="Livestock Reports (LRP and LGM) Main Menu Link">
        <span class="visible-lg-block">Livestock Reports (LRP and LGM)</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock Reports</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Nursery-Inventory-Software-EPLPPS" target="" title="Nursery Software (EPLPPS) Main Menu Link">
        <span class="visible-lg-block">Nursery Software (EPLPPS)</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Nursery Software</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Other-Sites" target="" title="Other Sites Main Menu Link">
        <span class="visible-lg-block">Other Sites</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Other Sites</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://prodwebnlb.rma.usda.gov/apps/prf " target="_blank" title="PRF Rainfall Main Menu Link">
        <span>PRF Rainfall</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="http://prodwebnlb.rma.usda.gov/apps/PriceDiscovery" target="_blank" title="Price Discovery Reporting Main Menu Link">
        <span>Price Discovery Reporting</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Reinsurance-Reports" target="" title="Reinsurance Reports Main Menu Link">
        <span class="visible-lg-block">Reinsurance Reports</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Reinsurance</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://webapp.rma.usda.gov/apps/RIRS/" target="_blank" title="RMA Information Reporting System Main Menu Link">
        <span class="visible-lg-block">RMA Information Reporting System</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">RIRS</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="https://public-rma.fpac.usda.gov/apps/MapViewer/index.html" target="_blank" title="RMA Map Viewer Main Menu Link">
        <span class="visible-lg-block">RMA Map Viewer</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Map Viewer</span>
    </a>

                                                        </li>
                                                        <li class="">
                                                            
    <a href="/Information-Tools/Summary-of-Business" target="" title="Summary of Business Reports Main Menu Link">
        <span class="visible-lg-block">Summary of Business Reports</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">SOB</span>
    </a>

                                                        </li>
                                                </ul>
                                            </div>
                                        </li>
                            </ul>
                        </li>
                        <!-- Had to put class names in strings so that IE would recognize all of them /smh -->
<li class="mainnav-dropdown dropdown ">
                            <a href="/Topics" class="dropdown-toggle" data-toggle="dropdown" role="button" aria-haspopup="true" aria-expanded="false">Topics <span class="caret"></span></a>
                            <ul class="mainnav-dropdownlist dropdown-menu " role="menu">
                                <!-- megamenu-fw-->
                                <!-- wrapperClass-->
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Beginning-or-Veteran-Farmers-and-Ranchers" target="" title="Beginning or Veteran Farmers and Ranchers Main Menu Link">
        <span class="visible-lg-block">Beginning or Veteran Farmers and Ranchers</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Beginning or Veteran Farmers and Ranchers</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Civil-Rights" target="" title="Civil Rights Main Menu Link">
        <span class="visible-lg-block">Civil Rights</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Civil Rights</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Compliance-Information" target="" title="Compliance Information Main Menu Link">
        <span class="visible-lg-block">Compliance Information</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Compliance Information</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Conservation" target="" title="Conservation Main Menu Link">
        <span class="visible-lg-block">Conservation</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Conservation</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Controlled-Environment" target="" title="Controlled Environment Main Menu Link">
        <span class="visible-lg-block">Controlled Environment</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Controlled Environment</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Cover-Crops" target="" title="Cover Crops Main Menu Link">
        <span class="visible-lg-block">Cover Crops</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Cover Crops</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Double-Cropping-Initiative" target="" title="Double Cropping Initiative Main Menu Link">
        <span class="visible-lg-block">Double Cropping Initiative</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Double Cropping Initiative</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Farm-Bill" target="" title="Farm Bill Main Menu Link">
        <span class="visible-lg-block">Farm Bill</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Farm Bill</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Frequently-Asked-Questions" target="" title="Frequently Asked Questions Main Menu Link">
        <span class="visible-lg-block">Frequently Asked Questions</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Frequently Asked Questions</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Hemp" target="" title="Hemp Main Menu Link">
        <span class="visible-lg-block">Hemp</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Hemp</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Hurricane-Insurance-Protection-Wind-Index" target="" title="Hurricane Insurance Protection - Wind Index Main Menu Link">
        <span class="visible-lg-block">Hurricane Insurance Protection - Wind Index</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Hurricane Insurance Protection - Wind Index</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Insurance-Cycle" target="" title="Insurance Cycle Main Menu Link">
        <span class="visible-lg-block">Insurance Cycle</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Insurance Cycle</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Insurance-Resources" target="" title="Insurance Resources Main Menu Link">
        <span class="visible-lg-block">Insurance Resources</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Insurance Resources</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Lamb-Data-Gathering-Listening-Sessions" target="" title="Lamb Data Gathering Listening Sessions Main Menu Link">
        <span class="visible-lg-block">Lamb Data Gathering Listening Sessions</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Lamb Data Gathering Listening Sessions</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Livestock-Insurance-Plans" target="" title="Livestock Insurance Plans Main Menu Link">
        <span class="visible-lg-block">Livestock Insurance Plans</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock Insurance Plans</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Livestock-Roadshow" target="" title="Livestock Roadshow Main Menu Link">
        <span class="visible-lg-block">Livestock Roadshow</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Livestock Roadshow</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Manage-Your-Farm-Risk" target="" title="Manage Your Farm Risk Main Menu Link">
        <span class="visible-lg-block">Manage Your Farm Risk</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Manage Your Farm Risk</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/National-Fact-Sheets" target="" title="National Fact Sheets Main Menu Link">
        <span class="visible-lg-block">National Fact Sheets</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">National Fact Sheets</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Nursery" target="" title="Nursery Main Menu Link">
        <span class="visible-lg-block">Nursery</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Nursery</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Organic-Crops" target="" title="Organic Crops Main Menu Link">
        <span class="visible-lg-block">Organic Crops</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Organic Crops</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Outreach-and-Education" target="" title="Outreach and Education Main Menu Link">
        <span class="visible-lg-block">Outreach and Education</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Outreach and Education</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Prevented-Planting" target="" title="Prevented Planting Main Menu Link">
        <span class="visible-lg-block">Prevented Planting</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Prevented Planting</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Producer-Obligations-and-Expectations" target="" title="Producer Obligations and Expectations Main Menu Link">
        <span class="visible-lg-block">Producer Obligations and Expectations</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Producer Obligations and Expectations</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Publications" target="" title="Publications Main Menu Link">
        <span class="visible-lg-block">Publications</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Publications</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Reinsurance-Agreements" target="" title="Reinsurance Agreements Main Menu Link">
        <span class="visible-lg-block">Reinsurance Agreements</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Reinsurance Agreements</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/RMA-2023-Accomplishments" target="" title="RMA 2023 Accomplishments Main Menu Link">
        <span class="visible-lg-block">RMA 2023 Accomplishments</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">RMA 2023 Accomplishments</span>
    </a>

                                        </li>
                                        <li class="mainnav-dropdownItem">
                                            
    <a href="/Topics/Shellfish" target="" title="Shellfish Main Menu Link">
        <span class="visible-lg-block">Shellfish</span>
        <span class="visible-sm-block visible-md-block visible-xs-block">Shellfish</span>
    </a>

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                           Revised October 2023
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                    <h1 class="text-center">Whole-Farm Revenue Protection Guidance for Lenders</h1>
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    <div class="row factsheet mainbody">
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Whole-Farm Revenue Protection</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    Whole-Farm Revenue Protection (WFRP) is a federally-reinsured insurance product that provides a risk management safety net for all commodities on the farm under one insurance policy. This insurance plan is tailored for any farm with up to $17 million in insured revenue, including farms with specialty or organic commodities (both crops and livestock), or those marketing to local, regional, farm-identity preserved, specialty, or direct markets.
                </div>
            </dd>
        </dl>

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        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Availability</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    WFRP is available in all counties in all 50 states.
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Insurance Period</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    Coverage is provided for the duration of the producer’s tax year (the insurance period). The insurance period is a calendar year if taxes are filed by calendar year, or a fiscal year if taxes are filed by fiscal year.
                </div>
            </dd>
        </dl>

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            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Coverage</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    <p>WFRP protects farms against the loss of farm revenue the farm earns or expects to earn from:</p>
<ul>
    <li>Commodities, including Industrial Hemp, produced during the insurance period, whether they are sold or not;</li>
    <li>Commodities purchased for resale during the insurance period; and</li>
    <li>All commodities on the farm except timber, forest, and forest products; and animals for sport, show, or pets.</li>
</ul>
<p>The policy also provides replant coverage:</p>
<ul>
    <li>For annual crops, except Industrial Hemp and those covered by another Federal crop insurance policy;</li>
    <li>Equal to the cost of replanting up to a maximum of 20 percent of the expected revenue multiplied by coverage level; and</li>
    <li>When 20 percent or 20 acres of the crop needs to be replanted.</li>
</ul>
<p>The approved revenue amount is the lower of the expected revenue or the allowable whole-farm historic average revenue. Coverage levels range from 50 percent to 85 percent. Catastrophic Risk Protection (CAT) coverage is not available.</p>
<p>Farm diversification is calculated to determine:</p>
<ul>
    <li>The amount of premium rate discount to account for the lower risk due to farm diversification; and</li>
    <li>The subsidy amount:
    <ul>
        <li>Farms with 2 or more commodities receive a whole-farm premium subsidy.</li>
        <li>Farms with one commodity receive an enterprise premium subsidy.</li>
    </ul>
    </li>
</ul>
<p>WFRP insurance can be purchased alone or with other Federal crop insurance policies.  When WFRP is purchased with another Federal crop insurance policy, at a buy-up level (additional coverage), the WFRP premium may be reduced due to the coverage provided by the other policy.  If the producer has other Federal crop insurance policies at catastrophic coverage levels, their WFRP premium will not be reduced.</p>
<p>WFRP “insured revenue” is the total amount of insurance coverage provided by this policy. The crop insurance agent and approved insurance provider determine the farm’s<br>
“approved revenue” using the following information:</p>
<ul>
    <li>Whole-Farm History Report;</li>
    <li>Farm Operation Report;</li>
    <li>Information regarding growth of the farm; and</li>
    <li>The coverage level (50-85 percent) multiplied by the approved revenue is the insured revenue amount.</li>
</ul>
<table class="telerik-reTable-1">
    <tbody>
        <tr class="telerik-reTableHeaderRow-1">
            <td class="telerik-reTableHeaderFirstCol-1" style="text-align: center; vertical-align: middle;"> Coverage Level<br>
            </td>
            <td class="telerik-reTableHeaderOddCol-1" style="text-align: center; vertical-align: middle;">Commodity Count (minimum Required)<br>
            </td>
            <td class="telerik-reTableHeaderLastCol-1" style="text-align: center; vertical-align: middle;">Maximum Farm Approved Revenue<br>
            </td>
        </tr>
        <tr class="telerik-reTableFooterRow-1">
            <td class="telerik-reTableFooterFirstCol-1" style="text-align: center; vertical-align: middle;">85</td>
            <td class="telerik-reTableFooterOddCol-1" style="text-align: center; vertical-align: middle;">1</td>
            <td class="telerik-reTableFooterLastCol-1" style="text-align: center; vertical-align: middle;">$20,000,000</td>
        </tr>
        <tr class="telerik-reTableFooterRow-1">
            <td class="telerik-reTableFooterFirstCol-1" style="text-align: center; vertical-align: middle;">80</td>
            <td class="telerik-reTableFooterOddCol-1" style="text-align: center; vertical-align: middle;">1</td>
            <td class="telerik-reTableFooterLastCol-1" style="text-align: center; vertical-align: middle;">$21,250,000</td>
        </tr>
        <tr class="telerik-reTableFooterRow-1">
            <td class="telerik-reTableFooterFirstCol-1" style="text-align: center; vertical-align: middle;">75</td>
            <td class="telerik-reTableFooterOddCol-1" style="text-align: center; vertical-align: middle;">1</td>
            <td class="telerik-reTableFooterLastCol-1" style="text-align: center; vertical-align: middle;">$22,666,667</td>
        </tr>
        <tr class="telerik-reTableFooterRow-1">
            <td class="telerik-reTableFooterFirstCol-1" style="text-align: center; vertical-align: middle;">70</td>
            <td class="telerik-reTableFooterOddCol-1" style="text-align: center; vertical-align: middle;">1</td>
            <td class="telerik-reTableFooterLastCol-1" style="text-align: center; vertical-align: middle;">$24,285,714</td>
        </tr>
        <tr class="telerik-reTableFooterRow-1">
            <td class="telerik-reTableFooterFirstCol-1" style="text-align: center; vertical-align: middle;">65</td>
            <td class="telerik-reTableFooterOddCol-1" style="text-align: center; vertical-align: middle;">1</td>
            <td class="telerik-reTableFooterLastCol-1" style="text-align: center; vertical-align: middle;">$26,153,846</td>
        </tr>
        <tr class="telerik-reTableFooterRow-1">
            <td class="telerik-reTableFooterFirstCol-1" style="text-align: center; vertical-align: middle;">60</td>
            <td class="telerik-reTableFooterOddCol-1" style="text-align: center; vertical-align: middle;">1</td>
            <td class="telerik-reTableFooterLastCol-1" style="text-align: center; vertical-align: middle;">$28,333,333</td>
        </tr>
        <tr class="telerik-reTableFooterRow-1">
            <td class="telerik-reTableFooterFirstCol-1" style="text-align: center; vertical-align: middle;">55</td>
            <td class="telerik-reTableFooterOddCol-1" style="text-align: center; vertical-align: middle;">1</td>
            <td class="telerik-reTableFooterLastCol-1" style="text-align: center; vertical-align: middle;">$30,909,091</td>
        </tr>
        <tr class="telerik-reTableFooterRow-1">
            <td class="telerik-reTableFooterFirstCol-1" style="text-align: center; vertical-align: middle;">50</td>
            <td class="telerik-reTableFooterOddCol-1" style="text-align: center; vertical-align: middle;">1</td>
            <td class="telerik-reTableFooterLastCol-1" style="text-align: center; vertical-align: middle;">$34,000,000</td>
        </tr>
    </tbody>
</table>
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<p style="margin-top: 0px; margin-right: 14.4px; margin-bottom: 0px;">The Commodity Count in the table above is a measure of the farm’s diversification, determined by the policy. The calculation determines the minimum proportion of revenue a commodity must contribute to the farm to be considered a commodity for WFRP. A farm’s revenue would be evenly distributed if an equal percentage of revenue came from each commodity produced, for example, 25 percent from corn, 25 percent from soybeans, 25 percent from spinach, and 25 percent from carrots. The minimum proportion to be considered a countable commodity is one-third of that amount. In this example, for corn, soybeans, spinach, or carrots to each county, each commodity would have to make up at least 8.3 percent of the total revenue of the farm to count as a commodity under WFRP. Commodities with revenue below the minimum will be grouped together in order to recognize farm diversification (this will make the commodity count higher).</p>
<p>The Maximum Farm Approved Revenue represents the maximum approved revenue for a farm to be eligible for WFRP given the $17 million maximum liability allowed.</p>
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Producer Eligibility</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    <p>Eligibility for WFRP coverage requires the producer to:</p>
<ul>
    <li>Be eligible to receive Federal benefits;</li>
    <li>Be a U.S. citizen or resident;</li>
    <li>File either a Schedule F tax form or other farm tax form that can be converted to a Substitute Schedule F for a specified number of years (see information producers provide below:</li>
    <li>Have no more than $17 million in insured revenue, which is the farm revenue allowed to be insured under the policy multiplied by the coverage level producers select (see table above)
    <ul>
        <li>Coverage of expected revenue from animals and animal products, excluding aquaculture commodities, is limited to $2 million;</li>
        <li>Coverage of expected revenue from greenhouse and nursery, excluding aquaculture commodities, is limited to $2 million;</li>
    </ul>
    </li>
    <li>Have no more than 50 percent of total revenue from commodities purchased for resale;</li>
    <li>Meet the diversification requirements of the policy by having two or more commodities, if the farm has a commodity that has revenue protection or actual revenue history insurance available; and</li>
    <li>Meet the diversification requirements of the policy by having two or more commodities, if there are potatoes on the farm.</li>
</ul>
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Producer Information Required</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    <p>Producers must provide the following documents, similar to what would be necessary for a farm loan, to a crop insurance agent to get WFRP insurance:</p>
<ul>
    <li>5 consecutive years of Schedule F or other farm tax forms (it must be possible to complete a Substitute Schedule F form if the producer filed farm tax forms other than Schedule F).  For the 2024 policy year, tax forms from 2018-2022 are required except:
    <ul>
        <li>If a producer qualifies as a Beginning or Veteran Farmer or Rancher (BFR/VFR) or qualified as a BFR/VFR in the previous year under our procedures, they may qualify with 3 consecutive years (4 years if qualified the previous year) of Schedule F or other farm tax forms if they also farmed during the past year (it must be possible to complete a Substitute Schedule F form if the producer filed farm tax forms other than Schedule F).  For the 2024 policy year, tax forms from 2020-2022 (2019-2022 if qualified as a BFR/VFR the previous year) are required and the producer also must have farmed during 2023;</li>
        <li>If a producer was physically unable to farm for 1 of the 5 required historic years but farmed the past year, they may qualify; or</li>
        <li>If a producer is a tax-exempt entity (such as a Tribal entity) and has acceptable third-party records available that can be used to complete Substitute Schedule F tax forms for the 5-year history.</li>
    </ul>
    </li>
    <li>Information supporting expansion if the producer wants the farm to be considered as an expanding operation due to the farm operation physically expanding last year or the coming year, including increased acres, added equipment such as a greenhouse, new varieties or planting patterns, or anything else that expands production capacity (other than just a change in price); and</li>
    <li>Any other supporting information required, including other signed tax forms, to show the farm tax forms are accurate and were filed with the Internal Revenue Service (IRS).</li>
</ul>
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Growing Farm Operations</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    <p>Operations that have been expanding over time may be allowed to increase their approved revenue amount based on an indexing procedure. If the producer can show that the operation has physically expanded (land, animals, facilities, or production capacity) so it has the potential to produce up to 35 percent more revenue than the historic average, the Approved Insurance Provider may approve the operation as an expanding operation to reflect that growth in the insurance guarantee.</p>
<p>If the producer can show that the operation has physically expanded based solely on certified organic production, the Approved Insurance Provider may approve the operation as an expanding operation up to the higher of 35 percent or $500,000 more than the historic average.</p>
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Prices and Yields</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    Prices used to value commodities must be based on the guidelines for prices in the policy. Organic prices that meet the policy requirements are allowed for valuing organic commodities. Yields used for commodities must be established based on the guidelines for yields in the policy.
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Market Readiness Operations and Post Production Costs</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    Federal crop insurance is generally allowed to cover commodities to the edge of the field. However, market readiness operations such as on-farm activities that occur in or near the field and are the minimum needed to remove the commodity from the field and make it market ready can be left in the allowable revenue. The cost from all other post production operations not considered market readiness operation must be removed from the allowable revenue, including activities that increase the value of a commodity such as canning, freezing, and processing activities.
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Losses</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    <p>Replant payments are made within 30 days of a replant claim, upon agreement to the amount by the Approved Insurance Provider and the producer.</p>
<p>Claims are settled after taxes are filed for the insurance year. A loss under the WFRP policy occurs when the WFRP revenue-to-count for the insured year falls below the WFRP insured revenue. Revenue-to-count for the insured year is:</p>
<ul>
    <li>Revenue from the tax form for the insured year that is “allowable revenue” according to the policy;</li>
    <li>Adjusted by excluding inventory from commodities sold that were produced in previous years;</li>
    <li>Adjusted by including the value of commodities produced that have not yet been harvested or sold; and</li>
    <li>Any other adjustments required by the policy such as those from uninsured causes of loss.</li>
</ul>
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Causes of Loss</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    WFRP provides protection against the loss of insured revenue due to an unavoidable natural cause of loss which occurs during the insurance period. WFRP will also provide carryover loss coverage if the producer is insured the following year. See the policy for a list of covered causes of loss.
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">When Claims are Made and Paid</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    Claims may be assigned to creditors, as determined by the producer. Claims can be made any time after farm tax forms are submitted to the IRS. However, they must be made no later than 60 days after the date a producer’s farm tax forms are submitted to the IRS. Claim payments for a revenue loss under WFRP are paid within 30 days after the determination of a payment due as long as the producer is in compliance with the policy.
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Important Dates</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    <p><strong>Sales Closing, Cancellation, and Termination Dates </strong></p>
<p>Calendar Year and Early Fiscal Year Filers: January 31, February 28, or March 15 (by county)</p>
<p>Late Fiscal Year Filers – November 20</p>
<p><strong>Revised Farm Operation Report Dates</strong></p>
<p><strong></strong>All Counties – July 15</p>
                </div>
            </dd>
        </dl>

            </div>
            <div class="col-md-12">
                
        <dl>
            <dt class="section_header">
                <span class="sectionTitle">Premium Subsidy</span>
            </dt>

            <dd>
                <div class="rteContainer">
                    Farms with two or more commodities will receive a whole-farm premium subsidy as long as the minimum diversification requirements are met.  Farms with one commodity will receive the enterprise premium subsidy.
                </div>
            </dd>
        </dl>

            </div>
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                    Whole-Farm Revenue Protection is available for sale from a crop insurance agent by the sales closing date shown for each county and tax filer type in the actuarial documents at:  <a href="https://webapp.rma.usda.gov/apps/actuarialinformationbrowser/CropCriteria.aspx" target="_blank" title="Link opens in new window">AIB Landing Page</a> (usda.gov).  A list of crop insurance agents is available at all USDA service centers and on the RMA website at www.rma.usda.gov/Information-Tools/Agent-Locator.
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<p><strong>Note:</strong><span style="text-align: left; letter-spacing: normal; text-decoration: none; background-color: transparent; color: #000000;"> PDF version looks different than website but content is exactly the same.</span></p>
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