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Crop Insurance APH & Yield Guarantee
Estimate your APH, coverage guarantee, and whether this season is trending toward a claim.
Your numbers
Result
How it's calculated
APH = the simple average of your actual yields for up to the last 10 crop years (this tool averages up to 5 — enter what you have). Yield guarantee = APH × your coverage level. Revenue Protection (RP) also guarantees that yield at a price — the guarantee at sales-closing is yield guarantee × projected price.
RP's harvest price option: once harvest price is known, RP actually guarantees revenue at the HIGHER of the projected price and the harvest price — so the payout comparison uses that higher, "effective" guarantee, not the original one. This matters: a yield shortfall can still trigger a real payout even if revenue looks fine against the original sales-closing number, if price rose enough at harvest to raise the bar. Leave harvest price blank (or equal to projected price) to see the guarantee as it stood at sales-closing.
With fewer than 4 years of yields, RMA fills the gap with standardized "T-yields" — beyond what this tool estimates, so treat a short-history APH here as a rough floor, not the real number your policy will use. This is a tracking aid, not a policy quote: your crop-insurance agent and USDA-RMA compute the official APH and indemnity.
Row Wise tracks saved-season yields automatically and builds a claims-ready loss-documentation packet — APH, guarantee, and a dated canopy-decline timeline from your field's own imagery.
Get notified at launch →Frequently asked questions
What is APH in crop insurance?
APH (Actual Production History) is the simple average of your farm's actual yields, using up to the last 10 crop years RMA has on file. It's the yield baseline your coverage level and guarantee are built from.
What's the difference between Revenue Protection (RP) and Yield Protection (YP)?
YP guarantees a yield — you're paid if your actual yield falls short of yield guarantee, at a fixed price. RP guarantees revenue (yield × price) and pays out if actual revenue falls short, which also protects against a price drop at harvest, not just a yield shortfall.
Why did my guarantee go up when I entered a harvest price?
Standard RP guarantees revenue at whichever is higher — the projected price (set before planting) or the harvest price (set at harvest). If the harvest price is higher, your effective guarantee rises with it, so a yield shortfall can still trigger a payout even though your revenue looks fine against the original, lower sales-closing guarantee.
What coverage level should I use?
Coverage levels commonly range 50–85%; 65–75% is a common middle ground balancing premium cost against protection. Higher coverage costs more premium but guarantees a higher percentage of your APH.