Whole Farm Revenue Protection Just Got Better: What Farmers Need to Know Under the One Big Beautiful Bill

The recently passed One Big Beautiful Bill marks a pivotal moment for risk management in American agriculture. Among the most farmer-friendly changes is the overhaul of the Whole Farm Revenue Protection (WFRP) program — an insurance policy designed to provide a safety net for diversified farms based on their historic revenue. For years, WFRP held promise but was burdened by paperwork, limitations and confusing rules. As outlined below, that’s now changing.

What’s New in Whole Farm Revenue Protection?

The legislation includes a series of meaningful reforms to WFRP that remove barriers and significantly improve farmer access, usability and confidence in the program. Key enhancements include:

• Increased Coverage Level Maximum - Increases coverage level from 85% to 90% for WFRP. 
• Enhanced Premium Subsidies – Provides new premium subsidy levels which maintain competitive rates for all operations. The adjustments make WFRP more affordable than ever. 
• Additional Beginning Farmer Rancher (BFR) Subsidies – Qualifying Producers now get extra tiered subsidy on top of the existing benefits for the first 1-4 years of operation.

What’s the significance of these changes?

These improvements make Whole Farm Revenue Protection a viable, competitive option for thousands of Northeast farmers who previously found it too complicated, too expensive or simply too risky to consider. Now, WFRP is positioned as the go-to tool for:

• Diversified vegetable and fruit growers 
• Organic producers 
• Direct-to-consumer farms 
• Farms transitioning into value-added or specialty markets 
• Multi-entity and mixed-livestock operations

The improved program structure not only provides more robust protection, but it also better reflects the complexity and innovation of today’s agricultural business models.

How Farm Credit East and Crop Growers Can Help

Farmers interested in exploring how the new WFRP structure could benefit their operation are encouraged to reach out to their local Farm Credit East office or Crop Growers crop insurance agent. Our specialists have been closely tracking these changes and are fully equipped to:

• Evaluate how WFRP fits your unique operation 
• Compare WFRP coverage with other federal insurance options 
• Help you prepare the necessary documentation 
• Ensure timely enrollment and renewal 
• Maximize your risk management strategy for 2026 and beyond

Final Thoughts

We know that agriculture is evolving, and insurance must evolve with it. The enhancements to Whole Farm Revenue Protection in the One Big Beautiful Bill offer a renewed opportunity for farmers to protect what they’ve built, invest in what’s next and plan with confidence. Note there may be additional changes to WFRP that won’t be known until the Contract Change Date of August 31. We will continue to provide updates on any changes to the program.  

Connect with your Crop Growers agent today to learn more about WFRP and other risk management solutions tailored for your farm.