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Our business is safeguarding yours.

Knowledge is the best form of insurance. That’s why Northwest FCS insurance agents specialize in the commodities you produce. We provide a full range of coverage options through both federal and private insurance products. Insurance coverage is available for farmers and ranchers in Washington, Idaho, Oregon, Montana and Utah, as well as some counties in Northern California.  

Northwest FCS insurance agents work for customers, not commissions

At Northwest FCS, insurance agents don’t work on commission, so you can count on them to deliver information aimed at helping you make the best decisions for your operation.

Local agents live and work in the same communities you call home and have strong rural roots. Northwest FCS insurance agents are committed to helping you evaluate risk management strategies that will help you protect your operation and your livelihood.

Contact your local agent

Industry Info and Market Insights

Whether you’re a current customer, or a future one, you can count on Northwest FCS to deliver information that’s valuable to your business. Sign up to receive quarterly Market Snapshots loaded with industry outlooks, market trends and key facts about 17 different Northwest industries including: apples, cherries, dairy, hay, cattle, potatoes, small grains, wine/vineyard, land values and more. We work closely with a team of industry experts to support you with information that matters.

Northwest FCS also hosts a variety of free webinars and events that dive into important agricultural and economic topics, and we provide a multitude of business development resources designed to help ag producers manage their businesses. Be sure to regularly check out our Business Management Center for more information and upcoming opportunities.

Affordable Premiums

Many crop and livestock insurance premiums are federally subsidized by the government, up to 35%, to support farmers and ranchers with cost-effective protection. Please contact your local insurance agent to get a premium estimate and learn more about federal subsidies.


Specializing in Crop and Livestock Insurance

Northwest FCS insurance agents only sell crop and livestock insurance. They specialize in the commodities produced in the Northwest and have access to seven different approved insurance providers so you get the best prices and coverage options available for your operation.


Contact your local agent

"Their knowledge base is excellent. We’ve had a lot of changes in crop insurance programs and Farm Credit has definitely invested a lot of time in the crop insurance portion of ag and it really helps to guarantee that my operation can be successful."

-Stacy G.

Washington Customer

Insurance Programs

Dairy, Beef Cattle and Livestock Coverage

montana cattle landscape

Dairy Revenue Protection Insurance (DRP)

—Available for purchase most business days with completed application on file. If you currently have an application on file with another insurance provider and want to work with Northwest FCS, June 30 is the annual deadline for making a provider change.

DRP insurance protects against declines in quarterly revenue from milk sales. Coverage is based on futures prices for milk and dairy commodities. Producers select the quantity of milk production to cover, as well as the quarter they’d like to insure. Coverage levels are available to insure 80-95% of your expected quarterly revenue.

DRP Pricing Options

  • Class Pricing Option uses a combination of Class III and Class IV milk prices as a basis for determining coverage and indemnities.
  • Component Pricing Option uses the component milk prices for butterfat, protein, and other solids, or nonfat solids, as a basis for determining coverage and indemnities. Under this option you select the butterfat test percentage and protein test percentage to establish your insured milk price.

Causes of Loss

DRP protects against price differences (determined by each coverage type). It does not insure against dairy cattle deaths, loss or destruction of dairy cattle, or other unnamed losses.

The Livestock Insurance Analyzer

Northwest FCS customers who have a DRP application on file gain exclusive access to the industry leading  Livestock Insurance Analyzer. The Livestock Insurance Analyzer was created by an internationally recognized dairy economist and is specially designed to offer producers a user-friendly tool that will assist them in making informed decisions about their operations.  

  • Request a demo: The Livestock Insurance Analyzer gives producers access to what-if analysis, daily price reports, historical data and a long list of other tools that can help dairy farmers make educated decisions about coverage. Contact your local agent to request a demo.
  • Stay informed with dairy market webinars: In today’s volatile economy, it’s important to be informed with marketplace information and economic outlooks for future planning. Contact your local agent to receive access to a twice monthly Dairy Market Update Call with respected dairy economist, Marin Bozic.
  • Industry insights: Take a look at the most recent Dairy Market Snapshot for key information about what’s happening in the dairy industry.

Contact your local agent

Livestock Gross Margin (LGM-Dairy)

—Beginning July 1, 2021, LGM-Dairy is available for purchase every Thursday as soon as coverage prices and rates are published, generally by 2:30 PT. A coverage endorsement must be signed and submitted to RMA before 7 a.m. PT the following day. Coverage endorsement submissions include a target marketings report for milk and corn and soybean meal equivalents. Default values for corn and soybean meal equivalents may be utilized. Premiums are due after the coverage period ends.

Livestock Gross Margin-Dairy (LGM-Dairy) helps you protect projected margins for milk production from dairy operations (projected milk revenue minus projected feed costs). LGM is federally subsidized (when more than two months of coverage are purchased) and subsidy amounts range from 18%-50% of the total premium due.

Coverage Details

  • Premiums are due 30 days after the last month of the policy period.
  • Producers must market a minimum of 75% of their target milk marketings.
  • Coverage options begin the second month of the insurance period and an insurance period runs for 11 months. This means if coverage is purchased in January, the first month of available coverage is March and the last available month would be December.

Livestock Risk Protection (LRP)

—Available for purchase most business days, with prices released at approximately 1:45 p.m. PT. Premiums are now due at the end of the active endorsement period.

Livestock Risk Protection can be used to insure against a decline in prices on fed cattle and feeder cattle, including unborn calves, using current futures prices as set by the Chicago Mercantile Exchange (CME). This allows producers to set a price floor and mitigate risk due to national marketplace volatility. Swine and lambs may also be insured using this program.

  • Endorsement periods and coverage
    Endorsement period lengths for cattle are the following: 13, 17, 21, 26, 30, 34, 39, 43, 47 or 52 weeks. Coverage options range from 70% to 100% of daily published ending value derived from CME futures, not local markets. A maximum of 12,000 head of cattle can be insured under one endorsement, with a 25,000 head cap for the crop year per commodity. Feeder and Fed cattle are treated as separate commodities, allowing for up to 25,000 head for each category.
The Livestock Insurance Analyzer 

Northwest FCS customers who have an LRP application on file gain exclusive access to the industry leading Livestock Insurance Analyzer. The Livestock Insurance Analyzer includes an LRP premium quoter, historical analysis, endorsement tracking, automated LRP price emails and insights into market dynamics. Want to learn more? Contact your local agent to request a demo of this exclusive tool. 

Stay informed
Northwest FCS provides quarterly industry updates on the cattle market: Cattle Market Snapshot. If you’d like to sign up to receive Cattle Market Snapshots in the future, you can subscribe here.

Rainfall Protection or Rainfall Index Insurance

Dry land

Pasture, Rangeland, Forage Insurance (PRF)

—December 1, 2021 deadline. Premiums due the following year.

Often referred to as “rainfall insurance,” PRF covers pasture, rangeland and forage acres from losses due to lack of rainfall. PRF can help you protect specific acreage during time periods you select as important to your operation. This program is primarily used to protect livestock and hay operations. Dairy producers who count on hay and grazing ground to feed their cows may also benefit from this insurance product.

Contact your local agent for historical data
Northwest FCS crop insurance agents can analyze historical rainfall data in your area to help you make an informed decision about PRF coverage. Contact your local agent today to discuss available options for securing the best coverage.

Coverage Details

  • Highly subsidized premiums.
  • Automated claims processing, without adjusters.
  • Choose to protect two or more separate, two-month intervals.
  • No acreage limitations

"They’re just not a vendor out there selling insurance ... They want to make sure that you’re covered, that you’re profitable and that you’re successful.”

-Robert A.

Oregon Customer

Causes of loss
PRF claim payments result when rainfall within your insured grid falls below the Rainfall Index norm, a national data standard. Claim payments are based on each county’s base production value, as established by RMA, and coverage can be purchased for up to 150% of this base production value.

Hail, Wind and Fire Policies

Stormy Weathervane Barn

Named Peril Insurance

—Purchase deadlines vary by crop. Please contact your local Northwest FCS insurance agent for crop-specific information. 

Named peril policies can help you better protect your bottom line with coverage that insures against a single risk such as hail, rain, fire or freeze. Named peril insurance is often combined with other crop insurance products for increased protection. 

  • Hail / Wind / Fire. 
  • Field Grain Fire.
  • Haystack Fire.
  • Pasture Fire.
  • Grape Cluster Freeze.
  • Winter Kill/ Replant.

Hail Insurance

Hail insurance protects your crops from any yield or quality reduction caused by hail damage. Hail insurance coverage offers acre by acre protection, up to the full value of your crop. This important risk management tool helps you guard your crop from the impact of unpredictable and extreme weather. 

One benefit of hail insurance is that it doesn’t typically have the high deductible that many Multi-Peril Crop Insurance (MPCI) policies have.  This means that hail insurance is often used in combination with MPCI, or other insurance products, to give you a more affordable way to protect your operation’s valuable acres. 

Get the most competitive rates with Northwest FCS

Hail Insurance premiums vary due to marketplace competition among private insurance providers. That’s why it’s important to work with a team that knows the agriculture industry and commodity markets.  Northwest FCS insurance agents work with seven leading insurance providers to get you the best coverage and most affordable rates for your insurance policy. 

Contact your local agent

Yield, Revenue and Production Protection


Multi-Peril Crop Insurance (MPCI)

—Purchase deadlines vary by crop. Please contact your local Northwest FCS insurance agent for crop-specific information and to get a quote for coverage.

Multiple Peril Crop Insurance (MPCI) covers yield losses resulting from many types of natural causes to include drought, excessive moisture, freeze and disease. Some MPCI coverage options allow producers to combine yield protection and price protection to protect against revenue losses caused by low yields or changes in market price.

New in 2021! Enhanced Coverage Option (ECO)

—Purchase deadlines vary by crop. Please contact your local Northwest FCS insurance agent for crop-specific information and coverage details.

Enhanced Coverage Option (ECO) is a new option that is available for certain crops in select counties in 2021. ECO works in conjunction with your existing Revenue Protection (RP), Yield Protection (YP) or Actual Production History (APH) multi-peril crop insurance policy.

What is Enhanced Coverage Option (ECO) and how does it work?

  • ECO is an endorsement that works in conjunction with your existing MPCI policy.
  • There is an additional premium for this added protection.
  • With this option, you can select coverage from 86%-90% or 86%-95%.
  • ECO coverage is not based on your actual yield history. Instead, it is based on area yields or area revenue established by RMA to trigger a loss.
  • ECO is not equivalent to having a 95% coverage level on your multi-peril policy.
  • You could collect a claim on both multi-peril and ECO if you qualify for a loss on both.

Contact your local agent today to see if this coverage could benefit your operation. You can also download this RMA Informational Brochure for additional coverage details and explanation.

Whole-Farm Revenue Protection Insurance (WFRP)

—Purchase deadlines vary based on tax filing status. If your tax year begins between Jan. 1 and Aug. 31, the WFRP sales closing date is March 15. If your tax year begins between Sept. 1 and Dec. 31, the WFRP sales closing date is November 20. Please contact your local Northwest FCS insurance agent to learn more.

With Whole Farm Revenue Protection (WFRP) you get revenue protection for your whole farm and the ability to protect revenue from many specialty crops that cannot be covered by Multi-Peril Crop Insurance (MPCI). Coverage is based on a producer’s five-year historical average farm revenue (using the IRS Schedule F) and an annual farm report.

WFRP protects all commodities on a farm against loss of revenue due to unavoidable natural causes, such as drought, quality issues and market volatility. It is available to farms with up to $8.5 million in insured revenue. Coverage can include specialty or organic commodities (both crops and livestock) as well as operations selling to local, regional, farm-identity preserved, specialty or direct markets.

WFRP benefits

  • Range of coverage from 50 to 85 percent.
  • Covers quality issues that may not be fully protected by other policies.
  • Works well for specialty crops with contract pricing.
  • Includes replant coverage for annual crops.

Actual Revenue History Crop Insurance (ARH) — Cherries

—Purchase deadlines vary by crop. Please contact your local Northwest FCS insurance agent for crop-specific information and coverage details.

Actual Revenue History (ARH) Insurance uses historical revenues as a basis for protecting future crops. ARH protects growers against losses from low prices, low yields, low quality or any combination of these unpredictable events. Every crop insured under ARH has unique crop provisions. Some hard-to-insure crops, such as sweet and tart cherries, may be eligible for ARH coverage in select counties.

Yield-Protection Crop Insurance (YP)

—Purchase deadlines vary by crop. Please contact your local Northwest FCS insurance agent for crop-specific information and coverage details.

Yield-Protection Crop Insurance (YP) covers unavoidable production losses caused by drought, excessive moisture, hail, wind, frost/freeze, tornado, lightning, flood, insect infestation, plant disease, excessive temperature during pollination, wildlife damage, fire and earthquake.
The coverage guarantees a yield based on an individual producer's Actual Production History (APH), which is the average yield for an insured unit for four to ten consecutive years in which that crop was produced. YP coverage levels range from 50% to 85% of the APH.

Actual Production History Crop Insurance (APH)

—Purchase deadlines vary by crop. Please contact your local Northwest FCS insurance agent for crop-specific information and coverage details.

Actual Production History (APH) insures against yield losses due to natural causes such as drought, excessive moisture, hail, wind, frost, insects and disease. Producers can select the amount of average yield to insure (from 50-75 percent) and the percent of the predicted price to insure (55 and 100 percent of the crop price established annually by RMA).

Revenue Protection Insurance (RP)

—Purchase deadlines vary by crop. Please contact your local Northwest FCS insurance agent for crop-specific information and coverage details.

Revenue Protection (RP) provides similar coverage to Yield Protection (YP) and Actual Production History (APH), plus protection against loss of revenue caused by yield and/or market fluctuations.

Protect against low yields and low prices, with coverage levels ranging from 50 to 85 percent of historic yield averages. RP allows you to “lock in” your guarantee at a pre-determined price.

Tree Dollar-based Insurance

—Purchase deadlines vary by crop. Please contact your local Northwest FCS insurance agent for crop-specific information and coverage details.

Dollar plan policies provide protection against damage due to naturally occurring perils. Guarantees are determined using federally determined values. Contact your local Northwest FCS insurance agent for more information about coverage levels and indemnity calculations.

Nursery Value Select (NVS)

—Only available in select counties Oregon and Washington. September 1 sales closing deadline. Coverage may be purchased after this deadline, but takes 30 days to go into effect after this date.

The Nursery Value Select (NVS) crop insurance policy offers customized coverage for nursery stock by type. This policy allows nursery producers to select the dollar amount of coverage and it is designed to run concurrently with the existing nursery insurance program and coverage. NVS coverage is available for some unique nursery operations, including hemp production.

Contact your local agent

Helpful Links

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Dairy Market Outlook

May 26, 2022




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Cattle Market Outlook and Risk Management Strategies

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Tree Fruit Market Outlook with Dr. Desmond O'Rourke

November 16, 2021

Economic Updates


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Stay Informed