Multi-Peril Crop Insurance (MPCI)
Comprehensive protection against natural disasters and yield loss for Montana farmers and ranchers.
What is MPCI?
Multi-Peril Crop Insurance (MPCI) is a federally subsidized insurance program that protects your crop against losses from natural causes including drought, excessive moisture, hail, wind, frost, insects, and disease.
This is the foundation of risk management for most farmers and ranchers. The program is backed by the federal government and administered through approved insurance providers.
At Wood Enterprises, we help you understand your options and choose coverage that fits your operation and your budget.
MPCI Covers:
- Yield losses due to natural disasters
- Drought, excessive moisture, and heat
- Hail, wind, and frost damage
- Insect infestations and plant disease
- Fire and wildlife damage
- Prevented planting scenarios
Understanding Coverage Levels
You choose how much of your crop to insure. Higher coverage levels provide more protection but cost more in premiums.
Basic Coverage
Covers 50-65% of your expected revenue. Lower premiums with more out-of-pocket risk. A good choice if you're comfortable taking on more risk.
Standard Coverage
Covers 70-75% of your expected revenue. The most common choice for Montana farmers, balancing protection with cost.
Maximum Coverage
Covers 80-85% of your expected revenue. Provides the most protection but comes with higher premiums. Best for operations that need maximum security.
What You'll Need to Get Started
Production Records
Your Actual Production History (APH) records, including past yield information for each crop and field.
FSA Information
Your Farm Service Agency (FSA) records, including farm numbers, tract numbers, and acreage reports.
Current Policy Info
If you're switching agents, bring your existing policy documents so we can review your current coverage.
Planting Plans
Information about what crops you plan to plant, where, and how many acres for the upcoming season.
Don't worry if you don't have everything on hand. We'll walk through what you need and help you gather the right information.
Request an MPCI ReviewOptional Endorsements
In addition to your base MPCI policy, you can add endorsements for extra protection tailored to your specific needs:
- Yield Protection (YP): Covers losses when your yield falls below the insured amount
- Revenue Protection (RP): Protects against both yield loss and price declines
- Supplemental Coverage Option (SCO): Additional county-level protection
- Enhanced Coverage Option (ECO): Increases your coverage level
We'll explain each option in plain language and help you decide which endorsements make sense for your operation.
Questions About Coverage?
MPCI can be complex, but we're here to make it understandable. Give us a call and we'll walk through your options together.
Local Montana Expertise
We understand the challenges of farming in Montana. From unpredictable weather to tight deadlines, we're here to help you navigate the crop insurance process with confidence.
Learn more about our agency →