Crop Insurance Participation Surges As Risk Management Needs Grow

Crop insurance remains essential as risks and costs rise.

farm gasoline tanks diesel fuel energy DSCN0035.JPG

FarmHER, Inc.

NASHVILLE, TENN. (RFD NEWS) — Farmers expanded their use of crop insurance in 2025, setting new records for coverage as risk and margin pressure continue to build across agriculture. Data from National Crop Insurance Services shows producers are relying more heavily on insurance as a primary risk management tool.

Farmers purchased 2.54 million policies last year, covering a record 561 million acres and more than $159 billion in liability. Producers also invested over $6.25 billion of their own money into coverage, signaling strong confidence in the program.

Participation remains broad nationwide. Kansas and Texas led in total policies sold, while Iowa and Illinois topped the list for total liability coverage. The data reflect both large-scale row-crop production in the Midwest and high-value specialty-crop exposure in other regions.

Coverage now spans all 50 states and a wide range of commodities. As weather volatility increases and margins tighten, crop insurance continues to serve as the backbone of the farm safety net.

Farm-Level Takeaway: Crop insurance remains essential as risks and costs rise.
Tony St. James, RFD NEWS Markets Specialist
Related Stories
API said it stands ready to work with Congress to develop a balanced approach to E15 legislation that promotes fuel choice, supports investment certainty, and contributes to a stable and fair marketplace for American consumers.
In the meantime, Senate Majority Leader John Thune is asking that farmers be allowed to use marketing assistance loans to help stay afloat.
Beef industry groups seem to agree — market-based pricing, not federal intervention, best supports rancher livelihoods and long-term beef supply stability.
Understanding how these tax provisions interact will be key for farmers planning long-term equipment purchases or transfers within the family.
Southern farms are deepening online engagement for cost savings and market access, while higher-cost precision technologies face renewed scrutiny amid tight budgets.

Tony St. James joined the RFD-TV talent team in August 2024, bringing a wealth of experience and a fresh perspective to RFD-TV and Rural Radio Channel 147 Sirius XM. In addition to his role as Market Specialist (collaborating with Scott “The Cow Guy” Shellady to provide radio and TV audiences with the latest updates on ag commodity markets), he hosts “Rural America Live” and serves as talent for trade shows.

LATEST STORIES BY THIS AUTHOR:

ASFMRA’s Luke Worrell joined us to discuss farmland market trends, insights from the Illinois Land Values Conference, changing buyer and seller demographics, and the latest outlook on planting progress.
EPA’s approval gives citrus growers a new disease-fighting tool against greening at a time when production losses remain severe.
Higher input costs are making flexible marketing plans and updated break-even targets more important.
Data center growth can bring opportunities, but competition for land, water, and power will matter more in rural areas.
Rail rulings, export terminal access, and equipment rules are becoming bigger factors in grain shipping costs and reliability.
Higher ocean freight rates can add export cost pressure even when grain demand remains active.