Calculators
Crop Insurance Indemnity Calculator
Estimate a US Revenue Protection crop insurance indemnity from APH yield, coverage level, projected and harvest prices and actual yield.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Estimating crop insurance payments after a poor harvest
- Choosing a coverage level
- Farm financial planning
- Explaining revenue protection
About this tool
What the Crop Insurance Indemnity Calculator does
Revenue Protection guarantees revenue equal to your approved yield (APH) times the coverage level times the higher of the projected or harvest price. If actual yield times the harvest price falls below that guarantee, the policy pays the difference per acre.
It also works as a crop insurance indemnity calculator or a revenue protection calculator.
Formula
- Guarantee = APH × coverage × max(projected price, harvest price)
- Revenue to count = actual yield × harvest price
- Indemnity = (guarantee − revenue to count) × acres × share
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| APH yield | 180 bu/acre |
| Coverage level | 75% |
| Projected price | $4.60 |
| Harvest price | $4.20 |
| Actual yield | 120 bu/acre |
| Acres | 500 |
| Your share | 100% |
| Result | Value |
|---|---|
| Estimated indemnity | $58,500 |
| Indemnity per acre | $117.00 |
| Revenue guarantee per acre | $621.00 |
| Revenue to count per acre | $504.00 |
How to read the result
Premiums and subsidy levels depend on coverage level and unit structure; enterprise units usually receive higher subsidies.
Indemnities are calculated by the insurance unit, so yield on one field may offset another.
Estimates for planning only. Actual premiums and benefits depend on the insurer, policy terms and underwriting.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
It guarantees revenue based on your yield history, coverage level and the higher of the projected or harvest price.
Actual production history: your approved average yield used to set the guarantee.
Built into RP, it raises the guarantee if the harvest price is higher than the projected price.
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