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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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                    <h1 class="text-center">Apiculture Pilot Insurance Program</h1>
                                    <h1 class="text-center">Honey, Pollen Collection, Beeswax, Breeding Stock</h1>
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                    <p>The Risk Management Agency’s (RMA) Apiculture Pilot Insurance Program (API) provides a safety net for beekeepers’ primary income sources — honey, pollen collection, wax, and breeding stock. Apiculture systems consist of different types of plants or crops and often contain mixtures of different species, each with different growth habits and seasons, precipitation requirements, and other climate conditions necessary to maintain plant growth over extended periods of time. API was designed to provide maximum flexibility to cover these diverse situations.</p>
<p style="padding-bottom: 10px;">The Rainfall Index uses National Oceanic and Atmospheric Administration Climate Prediction Center (NOAA CPC) data, which utilizes a grid system. Each grid is 0.25 degrees in latitude by 0.25 degrees in longitude, which translates to approximately 17 by 17 miles at the equator. Colonies will be assigned to one or more grids based on the location to be insured.</p>
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                    <p style="padding-bottom: 10px;">API is available in the 48 contiguous states with the exception of grids that cross international borders.</p>
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                    <p>Coverage is based on your selection of coverage level, index intervals, and productivity factor. The index interval represents a two-month period, and the period you select should be the one when precipitation is most important to your operation. </p>
<p>You may select a coverage level from 70 to 90 percent. </p>
<p>You select a productivity factor to match the amount of protection to the value of the production that best represents your operation and the productive capacity of your colonies. You do not have to insure all your colonies. However, you cannot insure more than the total number of colonies you own. </p>
<p>By selecting a productivity factor, you can establish a value between 60 and 150 percent of the county base value, which is based on honey production and uses a five-year rolling average of USDA National Agricultural Statistics Service (NASS) data. The yield data are based on the NASS state average, and the price is the national average honey price for a given year.</p>
<p style="padding-bottom: 20px;">Your insurance payments are determined by using NOAA CPC data for the grid(s) and index interval(s) you have chosen to insure. When the final grid index falls below your “trigger grid index”, you may receive an indemnity. This insurance coverage is for a single peril, lack of precipitation. Coverage is based on the experience of the entire grid; it is not based on an individual farm or ranch or specific weather stations in the general area. You can find more detailed information on the <a href="https://www.cpc.ncep.noaa.gov/products/monitoring_and_data/" title="Link opens in new window" target="_blank">NOAA website</a>.</p>
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                    You will be asked to make several choices when insuring production from your colonies, including coverage level, index intervals, productivity factor, and number of colonies. You should work with your crop insurance agent to view the Grid ID Locator map and index grids for your area. RMA also encourages you to use the <a href="http://maps.agforceusa.com/api/ri/" title="Link opens in new window" target="_blank">Grid ID Locator</a>, historical indices tool, and decision support tools available on RMA’s website to help you decide whether API is the right insurance coverage for your operation.<strong> The Rainfall Index does not measure your direct production or loss.</strong> Please review historical indices for your area to make sure that this product will be helpful to you.
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                    <p>You can buy an API policy from a crop insurance agent by the sales closing date shown for each county in the <a href="https://webapp.rma.usda.gov/apps/ActuarialInformationBrowser/Default.aspx" target="_blank" title="Link opens in new window">actuarial documents</a>.</p>
<p>A list of crop insurance agents is available at all USDA service centers and on the RMA website at Agent Locator. </p>
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<p style="font-size: 13px; font-style: italic;">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.</p>
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