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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>

                2020 Cover Crops Insurance and NRCS Cover Crop Termination Guidelines
                    <br /><small>June 28, 2019</small>
            </h1>
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            <em>Note: This document may be updated for future crop years.<br>
</em>
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        <a class="btn btn-default btn-expand-collapse hidden-print" role="button">Expand All</a>
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                <li>
                        <h4 data-target="#answer-ced395d9a35842a3a2b1954229ae45c0" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What are the NRCS Cover Crop Termination Guidelines?</span>
                        </h4>
                        <div id="answer-ced395d9a35842a3a2b1954229ae45c0" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 0px 0px 10.66px;"><span style="margin: 0px;">The Guidelines are a nationally applicable agricultural expert resource for cover crop termination in cover cropping management systems. The resource is applicable to all USDA programs and promote consistent, simple, and flexible policy.</span></p></div>
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                        <h4 data-target="#answer-d32d579fc3354e57bbe6dbacb1722a17" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What happens to my crop insurance if my cover crop management practice does not follow the guidelines?</span>
                        </h4>
                        <div id="answer-d32d579fc3354e57bbe6dbacb1722a17" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="margin: 0px; color: black;">Your crop insurance policy is still in effect and insurance attaches. As a result of the 2018 Farm Bill, cover crops are reviewed under the same good farming practice procedures as other management practices such as seeding rates, fertilizer applications, tillage practices, and other management practices.</span></div>
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                        <h4 data-target="#answer-f70543fcdfb44f76bf3c01c4f5884f7d" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Where can I find a copy of the guidelines?</span>
                        </h4>
                        <div id="answer-f70543fcdfb44f76bf3c01c4f5884f7d" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p>A copy of the NRCS Cover Crop Guidelines can be found here – <a title="PDF opens in new window" href="https://www.nrcs.usda.gov/sites/default/files/2022-09/Termination_Guidelines_Designed_6.28_10.24am_%28002%29.pdf" target="_blank">www.nrcs.usda.gov/sites/default/files/2022-09/Termination_Guidelines_Designed_6.28_10.24am_%28002%29.pdf</a></p></div>
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                <li>
                        <h4 data-target="#answer-ea838957a8c84648a2f7124bc853ae32" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What are cover crops?</span>
                        </h4>
                        <div id="answer-ea838957a8c84648a2f7124bc853ae32" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="margin: 0px; color: black;">Cover Crops are crops including grasses, legumes and forbs for seasonal cover and other conservation purposes.<span style="margin: 0px;"> </span>Cover crops are primarily used for erosion control, soil health improvement, weed and other pest control, habitat for beneficial organisms, improved water efficiency, nutrient cycling, and water quality improvement.<span style="margin: 0px;"> </span>A cover crop managed and terminated according to these Guidelines is not considered a “crop” for crop insurance purposes.<span style="margin: 0px;"> </span>The cover crop may be terminated by natural causes such as frost, or intentionally terminated through management such as chemical application, crimping, rolling, tillage, grazing, or cutting. A cover crop, if managed and terminated according to the Guidelines, is not considered an insurable crop.</span></div>
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                <li>
                        <h4 data-target="#answer-ae0bd76e5d174666af58cd1ba97bfe4c" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What are considered cover crops for crop insurance, is any crop a cover crop?</span>
                        </h4>
                        <div id="answer-ae0bd76e5d174666af58cd1ba97bfe4c" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><strong>Cover crop</strong> - <span style="margin: 0px; color: black;">A crop generally recognized by agricultural experts as agronomically sound for the area for erosion control or other purposes related to conservation or soil improvement.</span></div>
                        </div>
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                <li>
                        <h4 data-target="#answer-bc072fc255954915945fb703f15cfc9f" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Does RMA have an approved list of cover crops?</span>
                        </h4>
                        <div id="answer-bc072fc255954915945fb703f15cfc9f" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="margin: 0px; color: black;">RMA does not have an approved list of cover crops. Producers should consult agricultural experts for which cover crops are agronomically sound for the area for erosion control or other purposes related to conservation or soil improvement. The Guidelines do provide a link to NRCS State Field Office Technical Guide for list of approved cover crop species</span>: <a title="Link opens in new window" href="https://efotg.sc.egov.usda.gov/#/details" target="_blank">https://efotg.sc.egov.usda.gov/#/details</a>.</div>
                        </div>
                </li>
                <li>
                        <h4 data-target="#answer-f99a6f1ccef448d8ad22ab3c69bc578a" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Agricultural expert is mentioned, what is an agricultural expert?</span>
                        </h4>
                        <div id="answer-f99a6f1ccef448d8ad22ab3c69bc578a" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p><span style="margin: 0px; color: black;">As defined in the Common Crop Insurance Provisions, Basic Provisions, an agricultural expert includes persons who are employed by the Cooperative Extension System or the agricultural departments of universities, or other persons approved by FCIC, whose research or occupation is related to the specific crop or practice for which such expertise is sought.</span></p>
<p><strong>Note</strong> (from the General Standards Handbook): Persons who have a personal or financial interest in the insured or the crop will not qualify as an agricultural expert. </p>
<p><strong>Examples</strong> (from the Good Farming Practices Handbook):</p>
<p>Approved Agricultural Experts include personnel whose research or occupation is related to the specific crop or practice for which such expertise is sought with demonstrated expertise in the production practice in question, and is: </p>
<p style="margin-left: 40px;">(1) employed by Cooperative Extension Service or USDA National Institute of Food and Agriculture (NIFA), formerly Cooperative State Research, Education, and Extension Service (CSREES);</p>
<p style="margin-left: 40px;">(2) employed by the agricultural departments of universities;</p>
<p style="margin-left: 40px;">(3) certified by the American Society of Agronomy (ASA) as Certified Crop Advisers and Certified Professional Agronomists, <a title="Link opens in new window" href="https://www.agronomy.org/" target="_blank">https://www.agronomy.org/</a>;</p>
<p style="margin-left: 40px;">(4) certified by the National Alliance of Independent Crop Consultants (NAICC) as Certified Professional Crop Consultants, <a title="Link opens in new window" href="https://naicc.org/" target="_blank">https://naicc.org/</a>;</p>
<p style="margin-left: 40px;">(5) certified by the American Society for Horticultural Sciences as Certified Professional Horticulturists;</p>
<p style="margin-left: 40px;">(6) certified by the International Society of Arboriculture as Certified Arborists; or</p>
<p style="margin: 6px 0px 8px 40px;"><span style="margin: 0px; color: black;">(7) an employee certified by the Natural Resources Conservation Service (NRCS) to make determinations regarding good cover cropping practices.</span></p></div>
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                <li>
                        <h4 data-target="#answer-6bf8de63729c4c9588afd706681522b5" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What does RMA mean by “Good Farming Practice”?</span>
                        </h4>
                        <div id="answer-6bf8de63729c4c9588afd706681522b5" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">As defined in the Common Crop Insurance Policy Basic Provisions, Good Farming Practices means: <span style="margin: 0px;">The production methods utilized to produce the insured crop and allow it to make normal progress toward maturity and produce at least the yield used to determine the production guarantee or amount of insurance, including any adjustments for late planted acreage, which are those generally recognized by agricultural experts or organic agricultural experts, depending on the practice, for the area. An Approved Insurance Provider or a producer may request FCIC be contacted to determine if your production methods will be considered “good farming practices.”</span></div>
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                <li>
                        <h4 data-target="#answer-b21bafe56a714495bf70f5ac608dd744" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What does “cover crop termination” mean?</span>
                        </h4>
                        <div id="answer-b21bafe56a714495bf70f5ac608dd744" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer">The 2018 Farm Bill established the definition of cover crop termination which means a practice that historically and under reasonable circumstances results in the termination of the growth of a cover crop.</div>
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                <li>
                        <h4 data-target="#answer-d8a33f2fa39e4c8587971a0933f67353" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Does RMA have specific requirements in how I terminate my cover crop?</span>
                        </h4>
                        <div id="answer-d8a33f2fa39e4c8587971a0933f67353" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="margin: 0px; color: black;">A cover crop can be terminated by any means. Please refer to the Guidelines and other agricultural expert material for cover crop management guidance. If you have any questions regarding which method is best for ensuring your cover crop is terminated, please consult your local NRCS office or other agricultural experts for guidance.</span></div>
                        </div>
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                <li>
                        <h4 data-target="#answer-f98ebdadc24e477a93c8b40178924324" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">My insured crop will be irrigated. When do I need to terminate my cover crop?</span>
                        </h4>
                        <div id="answer-f98ebdadc24e477a93c8b40178924324" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="margin: 0px; color: black;">Cover crops in an irrigated cropping system should be terminated based on the crop system, water availability, and the conservation purpose. The guidelines provide a recommendation of termination before crop emergence.</span></div>
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                        <h4 data-target="#answer-3667fc9452754f528a53046315822268" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is over-seeding/interseeding?</span>
                        </h4>
                        <div id="answer-3667fc9452754f528a53046315822268" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="margin: 0px; color: black;">With respect to cover crops, over-seeding and interseeding is a management practice of planting one or more cover crop species into an existing or established crop. According to the Guidelines, common uses that involve over-seeding or interseeding include over-seeding a grass and/or legume cover crop into an existing stand of small grain at an appropriate time for the cover and germination, or seeding a cover crop into an existing crop (e.g., corn or soybeans) at a time that will not impact the yield or harvest of the insured crop.</span></div>
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                <li>
                        <h4 data-target="#answer-4d5e48ee47584ec19f0d4d93e8824875" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Will over-seeding/interseeding a conservation cover crop into an insured grain crop affect insurability?</span>
                        </h4>
                        <div id="answer-4d5e48ee47584ec19f0d4d93e8824875" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><span style="margin: 0px; color: black;">No, over-seeding/interseeding a cover crop into an already insured grain crop does not affect its insurability.</span><span style="margin: 0px;"> </span><span style="margin: 0px; color: black;">Insurance attached to the main crop at the time of planting. However, any damage to the insured crop caused by planting of the cover crop would not be covered and uninsured cause of loss appraisals would be applied to the insured crop when determining any indemnity payment. You should take care not to harm the insured crop when over-seeding/interseeding a cover crop by doing so at an appropriate time and in an appropriate manner that will not impact the yield or harvest of the insured crop.</span></div>
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                <li>
                        <h4 data-target="#answer-c6a33533fca64a4ba1b56df600b179dd" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">What is the difference between interplanting and over-seeding/interseeding?</span>
                        </h4>
                        <div id="answer-c6a33533fca64a4ba1b56df600b179dd" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 6px 0px 8px;"><span style="margin: 0px; color: black;">If the main crop and cover crop are planted in a manner that does not allow separate agronomic maintenance and harvest of the insured crop, then it is considered interplanted and not insurable. If it doesn’t meet this definition, then it may be over-seeded/interseeded and is insurable.</span></p></div>
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                <li>
                        <h4 data-target="#answer-0b542b17247c45f7b5d252e7d5504428" data-toggle="collapse" onclick="jQuery(this).toggleClass('showA')">
                            <span class="dropLetterQ hidden-print">Q</span>
                            <span class="faqQuestion">Can I plant a cover crop during the fallow year and still qualify for the summerfallow practice the subsequent crop year?   </span>
                        </h4>
                        <div id="answer-0b542b17247c45f7b5d252e7d5504428" class="collapse answer">
                            <span class="dropLetterA hidden-print">A</span> <div class="faqAnswer"><p style="margin: 6px 0px 8px;"><span style="margin: 0px; color: black;">Yes, you can.<span style="margin: 0px;">  </span>If a cover crop is planted on summerfallow acreage in a fallow year, the following planted crop will meet the summerfallow practice definition if the cover crop is not hayed, grazed or harvested at any time, and is terminated according to the Guidelines prior to June 1 preceding the insured crop.</span></p>
<p style="margin: 4px 19.46px 4px 0px;"><span style="margin: 0px; color: black;">For the 2020 and succeeding crop years, if a cover crop was planted during the fallow year and was either hayed, grazed or harvested, or not terminated by June 1, the acreage may be insured under the “continuous cropping practice” (if available in your county), or by written agreement (if continuous cropping is not available in your county).</span></p>
<span style="margin: 0px; color: black;">Please see the actuarial documents in your county, or talk to a crop insurance agent, for more information on the summerfallow practice.</span></div>
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