after the loss in order to be eligible for assistance 
under this section. 
‘‘(6) APPRAISAL OF LOSS.— 
‘‘(A) IN GENERAL.—In any case in which 
an appraisal of crop acreage is requested by a 
producer or determined to be necessary by the 
Secretary for a year in which a notice of loss 
is filed under this subsection, particularly in 
any case in which a loss adjuster is not avail-
able within 72 hours of the notice, the Sec-
retary shall permit the following alternatives to 
an in-person appraisal by a loss adjuster: 
‘‘(i) Remote appraisal, including time- 
stamped photographs, drone footage, and 
other technology applications. 
‘‘(ii) Appraisal by field office staff of 
the Agency with requisite training, in con-
junction with a remote appraisal under 
clause (i). 
‘‘(B) TRAINING.—The Secretary shall re-
quire field office staff to attend noninsured crop 
disaster assistance appraisal training for pur-
poses of subparagraph (A)(ii).’’; 
(4) in subsection (e)(3), by striking ‘‘65 per-
cent’’ and inserting ‘‘100 percent’’; 
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(5) in subsection (i)(2)— 
(A) in subparagraph (A), by striking 
‘‘and’’ at the end; 
(B) in subparagraph (B), by striking the 
period at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following: 
‘‘(C) notwithstanding subparagraphs (A) 
and (B), in the case of a limited resource, be-
ginning, or socially disadvantaged farmer, as 
determined by the Secretary, a veteran farmer 
or rancher (as defined in section 2501(a) of the 
Food, Agriculture, Conservation, and Trade Act 
of 1990 (7 U.S.C. 2279(a))), or a producer par-
ticipating in the streamlined revenue-based op-
tion 
pursuant 
to 
subsection 
(b)(4)(C), 
$600,000.’’; 
(6) in subsection (k)(2)— 
(A) by striking ‘‘defined by the Secretary, 
or a veteran’’ and inserting ‘‘determined by the 
Secretary, a veteran’’; and 
(B) by inserting ‘‘, or a producer partici-
pating in the streamlined revenue-based option 
pursuant to subsection (b)(4)(C)’’ before the 
period at the end; 
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(7) in subsection (l), by striking paragraph (3) 
and inserting the following: 
‘‘(3) PREMIUM DISCOUNT.—The coverage made 
available under this subsection shall be available to 
limited resource, beginning, or socially disadvan-
taged farmers, as determined by the Secretary, vet-
eran farmers or ranchers (as defined in section 
2501(a) of the Food, Agriculture, Conservation, and 
Trade Act of 1990 (7 U.S.C. 2279(a))), and pro-
ducers participating in the streamlined revenue- 
based option pursuant to subsection (b)(4)(C), in ex-
change for a premium that is 25 percent of the pre-
mium determined under paragraph (2).’’; and 
(8) by adding at the end the following: 
‘‘(m) DELIVERY.—The Secretary shall collaborate 
with outreach and technical assistance providers, exten-
sion offices, and State departments of agriculture to ad-
vertise the noninsured crop disaster assistance program 
under this section, particularly to limited resource, begin-
ning, or socially disadvantaged farmers, as determined by 
the Secretary, veteran farmers or ranchers (as defined in 
section 2501(a) of the Food, Agriculture, Conservation, 
and Trade Act of 1990 (7 U.S.C. 2279(a))), and pro-
ducers eligible to participate in the streamlined revenue- 
based option pursuant to subsection (b)(4)(C).’’. 
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SEC. 3. WHOLE FARM REVENUE PROTECTION. 
Section 522(c) of the Federal Crop Insurance Act (7 
U.S.C. 1522(c)) is amended— 
(1) in paragraph (1)— 
(A) in subparagraph (B), by striking 
‘‘and’’ at the end; 
(B) in subparagraph (C), by striking the 
period at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following: 
‘‘(D) increase participation by producers— 
‘‘(i) marketing direct-to-consumers; 
‘‘(ii) marketing through intermediated 
sales in local and regional markets; 
‘‘(iii) using farm identity-preserved 
marketing; or 
‘‘(iv) undertaking producer education 
on how to use direct market prices.’’; 
(2) in paragraph (7)— 
(A) in subparagraph (A), by striking ‘‘, 
with a liability limitation of $1,500,000,’’; 
(B) in subparagraph (B), by inserting ‘‘or 
in combination with’’ after ‘‘in lieu of’’; 
(C) in subparagraph (C)— 
(i) in the matter preceding clause (i), 
by striking ‘‘may’’ and inserting ‘‘shall’’; 
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(ii) in clause (i), by striking ‘‘or’’ at 
the end; 
(iii) by redesignating clause (ii) as 
clause (iii); and 
(iv) by inserting after clause (i) the 
following: 
‘‘(ii) utilize a resource-conserving crop 
rotation (as defined in section 1240L(d)(1) 
of the Food Security Act of 1985 (16 
U.S.C. 3839aa–24(d)(1))); or’’; 
(D) in subparagraph (D), by striking 
‘‘may’’ and inserting ‘‘shall’’; 
(E) in subparagraph (E)— 
(i) in clause (i), in the matter pre-
ceding subclause (I), by striking ‘‘18 
months after the date of enactment of the 
Agriculture Improvement Act of 2018’’ 
and inserting ‘‘1 year after the date of the 
enactment of the Save Our Small Farms 
Act of 2025’’; 
(ii) in clause (ii), in the matter pre-
ceding subclause (I), by striking ‘‘sub-
clause’’ and inserting ‘‘clause’’; and 
(iii) by adding at the end the fol-
lowing: 
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‘‘(iii) 
ADDITIONAL
REVIEW.—Not 
later than 1 year after the date of the en-
actment of the Save Our Small Farms Act 
of 2025, and annually thereafter, the Cor-
poration shall— 
‘‘(I) review any limitations on in-
surable revenue (including the overall 
limitation and limitations specific to 
animals, animal products, greenhouse 
and nursery, and aquaculture) to en-
sure the limitations are adequate to 
cover the financial risks associated 
with the production of high-value agri-
cultural products; and 
‘‘(II) submit to the Committee on 
Agriculture of the House of Rep-
resentatives and the Committee on 
Agriculture, Nutrition, and Forestry 
of the Senate a report that includes a 
summary of the most recent review 
conducted under subclause (I) and 
any expected changes to the policy for 
the following reinsurance year. 
‘‘(iv) PUBLIC
REPORT.—Not later 
than 18 months after the date of the en-
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actment of the Save Our Small Farms Act 
of 2025, the Board shall make publicly 
available a report describing the decisions 
made by the Board with respect to each 
factor described in clause (ii).’’; 
(F) by redesignating subparagraph (F) as 
subparagraph (G); and 
(G) by inserting after subparagraph (E) 
the following: 
‘‘(F) MODIFICATIONS TO IMPROVE EFFEC-
TIVENESS FOR SPECIALTY CROPS AND DIVERSI-
FIED FARMS.— 
‘‘(i) IN GENERAL.—Not later than 18 
months after the date of the enactment of 
the Save Our Small Farms Act of 2025, 
the Corporation shall implement the fol-
lowing modifications to the plan developed 
under subparagraph (A): 
‘‘(I) Establish that appropriate 
income reported on Internal Revenue 
Service Tax Form Schedule F (or a 
successor form), shall be sufficient for 
the establishment of historical ad-
justed revenue, subject to the condi-
tion that approved insurance providers 
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may 
request 
additional 
verifiable 
records in cases where there is docu-
mented evidence, made clear to the 
applicant, that farm tax records are 
incomplete. 
‘‘(II) Presume that declines in 
total market price are due to unavoid-
able natural causes, unless the Cor-
poration demonstrates the extent to 
which the decline in lower market 
price is the direct result of an unin-
sured manmade event. 
‘‘(III) Require that any adjust-
ment of the revenue guarantee by an 
approved insurance provider, after the 
approved insurance provider accepts a 
revised farm operation report from 
the insured, is contingent on approval 
from the Risk Management Agency, 
and allow the insured an opportunity 
to appeal any denial by the Risk Man-
agement Agency of that revenue guar-
antee adjustment to the National Ap-
peals Division. 
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‘‘(IV) With respect to whole farm 
revenue protection policies, raise the 
limit on growth expansion for all pro-
ducers to the lower of— 
‘‘(aa) 100 percent of historic 
revenue; and 
‘‘(bb) $500,000. 
‘‘(V) In the case of a rejection of 
an application from a producer for a 
whole farm insurance plan, the ap-
proved insurance provider involved 
shall notify the producer of such re-
jection, and include in such notifica-
tion a written rationale with sufficient 
detail for the producer to understand 
any deficiencies in the application and 
how to cure those deficiencies. 
‘‘(VI) 
Expand 
the 
maximum 
commodity count eligible for the diver-
sification-based 
premium 
discount 
under subparagraph (C) to apply to 
10 commodities produced. The Sec-
retary may raise that maximum com-
modity count eligible for the diver-
sification-based premium discount to 
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include more than 10 commodities if 
determined necessary. 
‘‘(VII) Moderate the impact of 
disaster years, as determined by the 
Secretary, on historic revenue by— 
‘‘(aa) counting indemnities 
as historic revenue for loss years, 
including payments made under 
the noninsured crop disaster as-
sistance program established by 
section 196 of the Federal Agri-
culture Improvement and Reform 
Act of 1996 (7 U.S.C. 7333); or 
‘‘(bb) using an assigned 
yield floor similar to the limita-
tion 
described 
in 
section 
508(g)(6)(A)(i), as determined by 
the Secretary. 
‘‘(VIII) Allow prices and yields 
used to establish coverage in other 
Federal crop insurance policies to be 
used as prices and yields for whole 
farm revenue protection policies. 
‘‘(IX) Establish a process for 
records and acreage reports submitted 
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by producers for the noninsured crop 
disaster assistance program estab-
lished by section 196 of the Federal 
Agriculture Improvement and Reform 
Act of 1996 (7 U.S.C. 7333) to be ac-
cepted as documentation for the req-
uisite actual production history for 
whole farm revenue protection poli-
cies. 
‘‘(X) Increase agent incentives to 
market whole farm revenue protection 
by— 
‘‘(aa) providing annual addi-
tional administrative and oper-
ating subsidies, at a rate deter-
mined by the Secretary, to ap-
proved insurance providers for 
any new whole farm revenue poli-
cies written in a given year; and 
‘‘(bb) with respect to a 
whole farm revenue protection 
policy, requiring approved insur-
ance providers to pay to the 
agent who sold that policy an 
amount equal to the total admin-
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istrative and operating subsidy 
earned on that policy. 
‘‘(XI) Require approved insur-
ance providers to accept or reject ap-
plications, by written decision, within 
75 days of receipt of the application, 
with failure resulting in a reduction 
by 15 percent of the amount of the 
administrative and operating subsidy 
that the approved insurance provider 
receives from the Corporation for that 
policy. 
‘‘(ii) 
ADMINISTRATIVE
IMPROVE-
MENTS.—Not later than 18 months after 
the date of the enactment of the Save Our 
Small Farms Act of 2025, for purposes of 
improving the plan developed under sub-
paragraph (A), the Corporation shall carry 
out the following activities: 
‘‘(I) Create and maintain a web- 
accessible tool for producers to locate 
agents experienced in selling a whole 
farm revenue protection policy. 
‘‘(II) Provide additional edu-
cational and training opportunities to 
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approved insurance providers and in-
surance agents, which may include en-
tering into agreements with 1 or more 
entities— 
‘‘(aa) to provide technical 
assistance 
to 
interested 
pro-
ducers; 
‘‘(bb) to conduct education 
and outreach to agents and in-
surance providers; and 
‘‘(cc) to develop best prac-
tices for underwriting. 
‘‘(III) Conduct a pilot program 
to create a pricing library for agents 
and insurance providers, also acces-
sible to the public and entities that 
provide technical assistance to farm-
ers using data from— 
‘‘(aa) the Agricultural Mar-
keting Service; 
‘‘(bb) the noninsured crop 
disaster assistance program es-
tablished by section 196 of the 
Federal Agriculture Improvement 
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and Reform Act of 1996 (7 
U.S.C. 7333); 
‘‘(cc) approved policies of 
the Board; 
‘‘(dd) land-grant colleges or 
universities and other institutions 
of higher education; 
‘‘(ee) grower boards or com-
missions; and 
‘‘(ff) other relevant sources, 
as determined by the Secretary. 
‘‘(iii) AVAILABILITY
OF
PRICING
LI-
BRARY.—The Risk Management Agency 
may, as determined by the Secretary, offer 
the pricing library described in item (aa) 
to agents and insurance providers in con-
nection with policies other than policies de-
veloped under subparagraph (A). 
‘‘(iv) PUBLIC
REPORT.—Not later 
than 18 months after the date of the en-
actment of the Save Our Small Farms Act 
of 2025, the Board shall make publicly 
available a report describing the decisions 
made by the Board with respect to each 
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modification described in clauses (i) and 
(ii).’’; and 
(3) in paragraph (18), by adding at the end the 
following: 
‘‘(D) CONTINUATION OF PLAN.—The Ad-
ministrator of the Risk Management Agency 
shall continue to offer the micro farm insurance 
plan offered pursuant to subparagraph (A)(ii) 
in all States and counties of the United States. 
‘‘(E) MODIFICATIONS TO IMPROVE EFFEC-
TIVENESS FOR MICRO FARMS.—Not later than 
180 days after the date of the enactment of the 
Save Our Small Farms Act of 2025, the Cor-
poration shall implement the following modifica-
tions to the micro farm insurance plan offered 
pursuant to subparagraph (A)(ii): 
‘‘(i) Allow vertically integrated oper-
ations to access coverage under a micro 
farm policy. 
‘‘(ii) Allow producers with a micro 
farm policy to also purchase crop-specific 
Federal crop insurance policies for crops 
insured under the micro farm policy. 
‘‘(iii) Expand the maximum approved 
revenue to establish eligibility for a micro 
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farm plan of insurance to $1,000,000 or 
more, as determined by the Secretary.’’. 
SEC. 4. SINGLE INDEX INSURANCE POLICY. 
(a) IN GENERAL.—Section 522(c) of the Federal 
Crop Insurance Act (7 U.S.C. 1522(c)), as amended by 
section 3, is further amended by adding at the end the 
following: 
‘‘(20) SINGLE INDEX INSURANCE POLICY.— 
‘‘(A) DEFINITIONS.—In this paragraph: 
‘‘(i) 
COVERED
CROP
OR
COM-
MODITY.—The term ‘covered crop or com-
modity’ means any crop or commodity (in-
cluding a specialty crop) on a farm except 
timber, forest products, animals for sport 
or show, and pets. 
‘‘(ii) COVERED
POLICY.—The term 
‘covered policy’ means the single index in-
surance policy described in subparagraph 
(B)(i). 
‘‘(iii) COVERED
WEATHER
CONDI-
TION.— 
‘‘(I) IN
GENERAL.—The term 
‘covered weather condition’ means any 
of the following weather conditions 
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that are found to be closely correlated 
with agricultural income losses: 
‘‘(aa) High winds. 
‘‘(bb) 
Excessive 
moisture 
and flooding. 
‘‘(cc) Extreme heat. 
‘‘(dd) Abnormal freeze con-
ditions. 
‘‘(ee) Wildfire. 
‘‘(ff) Hail. 
‘‘(gg) Drought. 
‘‘(hh) 
Any 
other 
severe 
weather or growing conditions 
applicable to small-scale farmers, 
as determined by the Secretary. 
‘‘(II) DATA.—The existence of a 
weather condition described in sub-
clause (I) shall be determined by indi-
ces that prioritize using data from the 
National Oceanic and Atmospheric 
Administration, as available, but may 
use other federally or State certified 
weather data sources, public and pri-
vate satellite data, and weather and 
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climate data and models, if necessary, 
as determined by the Secretary. 
‘‘(B) POLICY.— 
‘‘(i) IN
GENERAL.—The Corporation 
shall carry out research and development, 
or offer to enter into 1 or more contracts 
with 1 or more qualified persons to carry 
out research and development, to develop a 
single index policy to insure against agri-
cultural income losses due to 1 or more 
covered weather conditions. 
‘‘(ii) COVERAGE.—Research and de-
velopment on the covered policy under 
clause (i) shall require that coverage is 
available in all 50 States (including Indian 
Tribes), the District of Columbia, Amer-
ican Samoa, Guam, the Commonwealth of 
the Northern Mariana Islands, the Com-
monwealth of Puerto Rico, and the Virgin 
Islands of the United States. 
‘‘(iii) OPTION
TO
BUY-UP
OR
BUY- 
DOWN.— 
‘‘(I) IN GENERAL.—Research and 
development on the covered policy 
under clause (i) shall consider permit-
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ting a holder of the covered policy to 
elect to buy-up to 150 percent, subject 
to subclause (II), or buy-down to 5 
percent, of the median county-level 
adjusted gross income for farms, in 5- 
percent increments, to reflect the in-
come of the individual farm business 
of the holder insured under the cov-
ered policy. 
‘‘(II) LIMITATION.—A holder of 
a covered policy may buy-up under 
subclause (I) only if the farms of the 
holder insured under the covered pol-
icy have at least 3 covered crops or 
commodities. 
‘‘(iv) PRIORITY
FEATURES
OF
POL-
ICY.—In carrying out research and devel-
opment on the covered policy under clause 
(i), the following features may be given 
priority: 
‘‘(I) Agricultural income losses 
under the covered policy include— 
‘‘(aa) losses for all covered 
crops or commodities; and 
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‘‘(bb) losses to the value of 
packing, packaging, or any other 
similar on-farm activity that the 
Corporation determines necessary 
to remove a covered crop or com-
modity from the field. 
‘‘(II) Payments are made under 
the covered policy not later than 30 
days after the occurrence of a covered 
weather condition in the county in 
which the applicable farm of the farm-
er is located or an adjacent county. 
‘‘(III) Provision of seasonal cov-
erage periods. 
‘‘(IV) Provision of special consid-
eration to concerns facing individual 
farm businesses— 
‘‘(aa) that have less than 
$350,000 in adjusted gross in-
come; and 
‘‘(bb) with respect to which 
a farmer is an underserved pro-
ducer (as defined in section 
508(a)(7)(A)). 
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