California Deadline for Wine Grape Crop Insurance:  January 31st of each year

Washington & Oregon Deadline for Wine Grape Crop Insurance:  November 20th of each year

Virgina, New York, & New Jersey Deadline for Wine Grape Crop Insurance:  November 20th of each year

(Call or message us for detailed information on other crops insured under the Federal Crop Insurance Program)

Crop Insured:

West Coast - Grapes are insurable if the vines:

  • Have reached the fourth growing season after being set out; or
  • Have reached the third season after grafting for all varieties.
  • Produced an average of two tons per acre in at least 1 of the 3 most recent crop years.

East Coast - Grapes are insurable if the vines:

  • Reached the fourth growing season after being set out for all native and hybrid varieties, and reached the fifth growing season after being set out for all Vinifera varieties
  • Produced an average of two tons per acre in at least 1 of the 3 most recent crop years.


Many varieties of grapes are listed for each county. You must insure all your acreage of a particular variety in a county at the same coverage level. However, one variety can be insured and not another. For example, you could insure all your Chardonnay and none of your Merlot vineyards.

Causes of Loss:

You are protected against the following:

  • Adverse weather conditions;
  • Earthquake;
  • Failure of irrigation water supply, if caused by an insured peril during the insurance year;
  • Fire;
  • Insects or plant disease, but not damage due to insufficient or improper application of control measures;
  • Volcanic eruption; or
  • Wildlife.

Insurance Period:

For new insureds, coverage begins on or after:

  • February 1st in California; or
  • November 21st in all other states.

For carryover insureds coverage begins on the day immediately following the end of the insurance period for the previous crop year.

For all insureds, coverage ends with the earliest occurrence of one of the following:

  • Total destruction of the crop;
  • Harvest of the insured crop;
  • Final adjustment of loss;
  • Abandonment of the crop;
  • October 10th in Mississippi and Texas
  • November 10th in California, Idaho, Oregon, and Washington; or
  • November 20th in all other states.

For California, to insure the crop you plan to harvest this year, you must apply for coverage with a crop insurance agent before January 31. Insurance coverage begins in February for vineyards that haven’t been insured before and ends the earlier of the date harvest ends or November 10.

Important Dates: (California)

Sales Closing/Cancellation………… January 31th - California

Sales Closing/Cancellation………… November 20th - All other states

Acreage Reporting………… May 15th - California

Acreage Reporting………… January 15th - All other states

Premium Billing………… August 15th - All states

Termination………… January 31th - California

Termination………… November 20th - All other states

Loss Example:

Assume 65 percent coverage, 100 percent price election of $550 per ton, an average yield of 6 tons per acre, Chardonnay variety in San Joaquin county, and 100 percent share.

6 Ton average per acre
0.65 Coverage level percentage
3.9 Tons per acre guarantee
2.0 Tons per acre actually produced
1.9 Tons per acre loss
$550 Price election
$1045 Gross indemnity per acre

Price used above is for example only. Contact a crop insurance agent for current information.

Counties Available: (California)

Grapes are insurable in Alameda, Amador, Calaveras, Colusa, Contra Costa, El Dorado, Fresno, Glenn, Kern, Kings, Lake, Madera, Marin, Mendocino, Merced, Monterey, Napa, Nevada, Riverside, Sacramento, San Benito, San Joaquin, San Luis Obispo, Santa Barbara, Santa Clara, Santa Cruz, Solano, Sonoma, Stanislaus, Tulare, and Yolo counties. Grapes in other counties may be insurable by written agreement if specific criteria are met. Contact a Vintage Crop Insurance agent for more details.

For all other states please contact us with a request on eligible counties.

Coverage Levels and Premium Subsidies:

Coverage levels range from 50 to 85 percent of your approved yield. Crop insurance premiums are subsidized as shown in the following table. For example, if you choose the 65-percent coverage level, your premium share would be 41 percent of the base premium.

Catastrophic Risk Protection (CAT) coverage is fixed at 50 percent of your approved yield and 55 percent of the price election. CAT is 100 percent subsidized with no premium cost to you. There is, as of 2020, an administrative fee of $655 per crop per county, regardless of the acreage.

Item Percent
Coverage Level 50 55 60 65 70 75 80 85
Premium Subsidy 67 64 64 59 59 55 48 38
Your Premium Share 33 36 36 41 41 45 52 62


This fact sheet gives only a general overview of the crop insurance program and is not a complete policy. For further information and an evaluation of your risk management needs, contact a crop insurance agent
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