Crop Insurance Loss Claim Calculator

This calculator models a federal APH (Actual Production History) yield-protection indemnity claim, using the same Yield Protection mechanics USDA's Risk Management Agency (RMA) describes in its own published crop insurance plan overview: it multiplies your APH yield by your elected coverage level (50-85%) to get the guaranteed yield, then compares that guarantee to your actual harvested yield — any shortfall, multiplied by your elected price per unit and total insured acres, is the estimated indemnity payment. One detail worth catching: the displayed "yield loss %" is calculated against your full APH yield (aphYield − actualYield) / aphYield, not against the guarantee — so it will read higher than the percentage of the guarantee you actually lost, since coverage below 100% means some of that loss falls in your deductible and produces no payment at all. The deductible percentage shown (100% minus coverage level) is exactly that gap: if you carry 75% coverage, the first 25% of yield loss relative to APH is yours to absorb before the guarantee — and therefore any indemnity — kicks in.

Net claim benefit subtracts your premium paid (already net of federal subsidy, if you enter your out-of-pocket share) from the estimated indemnity, giving a rough sense of whether the policy paid for itself this year. This is a Yield Protection-style estimate, not Revenue Protection: it doesn't model harvest-price adjustments, so if your policy includes revenue protection with a harvest-price option, treat this as directional guidance and reconcile the final number against your actual adjuster determination before relying on it.