The Return of Prevented Planting Plus 5%: What Producers Need to Know

More Flexibility. More Protection. More Opportunity to Manage Risk.

The USDA Risk Management Agency (RMA) has reinstated the Prevented Planting Plus 5% option for the 2027 crop year. Producers will once again have the opportunity to purchase an additional 5% of prevented planting coverage, providing greater protection when adverse weather prevents intended acres from being planted.

At Crop Growers from Farm Credit East, we view this as a meaningful enhancement to the federal crop insurance program. As weather-related challenges continue to impact agriculture, this change provides producers with another opportunity to strengthen their risk management strategy and better protect their operation.

What's Changing?

Beginning with eligible crops for the 2027 crop year, producers can elect the Prevented Planting Plus 5% option, increasing the level of protection available when excessive moisture, flooding or other insurable causes prevent planting.

Prevented Planting coverage helps mitigate the financial impact of unplanted acres. The return of the Plus 5% option provides producers with additional flexibility to customize coverage based on their operation's needs and risk exposure.

How Could This Impact Your Operation?

While an additional 5% may seem modest, the impact can be significant across an entire farming operation.

Every operation is different, which is why it's important to evaluate how this change fits into your overall risk management plan.

Next Steps

As you prepare for the 2027 crop year:

Review your current prevented planting coverage.
Consider how a prevented planting event could impact your operation financially.
Evaluate whether the Plus 5% option aligns with your risk management objectives.
Schedule a conversation with your Crop Growers agent to review your options.

The best coverage decisions are made before challenges arise, not after.

The Crop Growers Perspective

Crop insurance is one of the most effective risk management tools available to agriculture. The return of Prevented Planting Plus 5% gives producers another way to strengthen protection against weather-related risk and improve the financial stability of their operation.

At Crop Growers, our agents are more than crop insurance specialists. They are risk management advisors who work alongside producers to evaluate coverage options, navigate program changes and build strategies that support long-term success.

Contact your Crop Growers agent and discuss how this change impacts your operation. Together, you can determine whether the Plus 5% option strengthens your risk management plan and helps position your farm for a successful 2027 season.

Contact Crop Growers