Multi-Peril Crop Insurance
Farming comes with unpredictable risks, but Multi-Peril Crop Insurance (MPCI) from Capital Farm Credit helps protect your operation from the unexpected and provides unparalleled risk management solutions. Covering a wide range of threats, including weather-related losses, pests and market fluctuations, MPCI provides financial stability when you need it most. Subsidized by the federal government, this essential coverage helps ensure your crops — and your livelihood — are safeguarded through every growing season. Our noncommissioned Relationship Agents live and breathe Texas agriculture — let them guide you in choosing the right protection for your farm.
Why You Can Count on Us
Dedicated Specialists
Our noncommissioned Relationship Agents focus solely on crop and livestock insurance across Texas. With deep local knowledge and your best interest at heart, they’ll help you find the right coverage to protect your operation and strengthen your bottom line.
Customized Coverage
Tailored crop insurance plans designed to fit your farm’s specific needs.
Risk Management
Safeguard your farm against weather, pests and market fluctuations.
Reliable Support
A trusted partner committed to helping you secure long-term success.
Revenue Protection
Revenue Protection insurance helps safeguard your farm’s income by covering losses due to yield declines or price fluctuations. This coverage ensures financial stability, giving you peace of mind no matter what the season brings.
Benefits
MPCI Revenue Protection protects against lost revenue due to reduced yields and/or price, with upside harvest price potential. Coverage options may vary by county and crop.
Guarantee
Revenue Protection (RP) provides a guarantee calculated by multiplying the approved yield by the selected coverage level, the number of acres and share, and the greater of the projected or harvest price.
Revenue Protection With Harvest Price Exclusion (RPHPE) provides a guarantee calculated by multiplying the approved yield by the selected coverage level, the number of acres and share and the projected price only.
Prices
The price is based on 100% of the commodity contract traded on the specified commodity exchange.
Coverage Level
Coverage levels range from 50% to 85%.
Eligible Crops
Plans are available for almost all crops grown in Texas, from cotton to rice, and even for less traditional crops like canola and specialty vegetables.
Units
Capital Farm Credit offers Enterprise, Basic and Optional unit structures through crop insurance plans.
Losses
Losses are paid when Calculated Revenue, determined using Harvest Price, is less than the final Revenue Protection Guarantee.
Additional Coverage
Depending on the crop, preventive planting and replant coverage are part of the policy.
High-risk land rates and written agreements may be available.
Supplemental Coverage Option (SCO) and Enhanced Coverage Option (ECO) may be added to a Revenue Protection policy as additional endorsements. This adds area-based coverage to individual insurance plans. These optional endorsements are available for select crops and are subsidized, and they provide additional coverage for a portion of your underlying MPCI policy deductible. They may be purchased separately or together.
Multi-Peril Loss Chart
STAX Coverage
The Stacked Income Protection Plan (STAX) is available for upland cotton. STAX provides protection against loss of revenue due to an area-level production loss, a price decline or a combination of both. This area-based plan is available for cotton and can be added to your MPCI policy or purchased as a standalone policy. Cottonseed can also be covered under STAX. It provides coverage up to 20% of the expected area revenue.
STAX Coverage
Yield Protection
Safeguards Texas farmers against yield losses caused by natural disasters, including drought, hail, excessive moisture and pests. This coverage ensures financial stability by compensating for reduced crop production, helping you protect your investment and secure your farm’s future.
Benefits
Production-based coverage protects the producer against a yield loss. Coverage options may vary by county and crop.
Guarantee
The guarantee is calculated by multiplying the approved yield by the selected coverage level, acres, share and the applicable price.
Prices
For Yield Protection, the price is based on 55% to 100% of the commodity contract traded on the specified commodity exchange.
For Actual Production History (APH) policies, the price is based on 55% to 100% of the RMA-established price for crops that do not have a commodity exchange price provision.
Eligible Crops
Plans are available for almost all crops grown in Texas, from cotton to rice, and even for less traditional crops like canola and specialty vegetables.
Units
Capital Farm Credit offers Enterprise, Basic and Optional unit structures through crop insurance plans.
Losses
Losses are paid when Actual Yield is less than the Production Guarantee due to a covered peril.
Additional Coverage
At any level of coverage over Catastrophic Risk Protection (CAT), late planting, prevented planting and replant coverage are part of the policy.
High-risk land rates and written agreements may be available.
Supplemental Coverage Option (SCO) and Enhanced Coverage Option (ECO) may be added to a Revenue Protection policy as additional endorsements. This adds area-based coverage to individual insurance plans. These optional endorsements are available for select crops and are subsidized, and they provide additional coverage for a portion of your underlying MPCI policy deductible. They may be purchased separately or together.
Multi-Peril Loss Chart
STAX Coverage
The Stacked Income Protection Plan (STAX) is available for upland cotton. STAX provides protection against loss of revenue due to an area-level production loss, a price decline or a combination of both. This area-based plan is available for cotton and can be added to your MPCI policy or purchased as a standalone policy. Cottonseed can also be covered under STAX, and it provides coverage up to 20% of the expected area revenue.
STAX Coverage
Actual Production History
Protects farmers by providing coverage based on their historical yield averages. This policy helps safeguard against production losses due to weather, disease, pests and other natural risks, ensuring financial stability and long-term farm success.
Benefits
Production-based coverage protects the individual producer against a yield loss. Coverage options may vary by county and crop.
Guarantee
The guarantee is determined by multiplying the approved yield by the selected coverage level, acres, share and the applicable price.
Prices
For Yield Protection, the price is based on 55% to 100% of the commodity contract traded on the specified commodity exchange.
For Actual Production History (APH), the price is based on 55% to 100% of the price established by the Risk Management Agency (RMA) for crops that do not have a commodity exchange price provision.
Coverage Level
Coverage levels range from 50% to 85%.
Eligible Crops
Plans are available for almost all crops grown in Texas, from cotton to rice, and even for less traditional crops like canola and specialty vegetables.
Units
Capital Farm Credit offers Enterprise, Basic and Optional unit structures through crop insurance plans.
Losses
Losses are paid when Actual Yield is less than the Production Guarantee due to a covered peril.
Additional Coverage
At any level of coverage above Catastrophic Risk Protection (CAT), late planting, prevented planting and replant coverage are part of the policy.
High-risk land rates and written agreements may be available.
If enrolled in Price Loss Coverage (PLC), the Supplemental Coverage Option (SCO) can be added to a Yield Protection policy. SCO follows the coverage of your underlying policy and coverage depends on liability, coverage level and approved yield for your underlying policy. SCO pays a loss on an area basis, and an indemnity is triggered when there is a county-level loss in yield or revenue.
Multi-Peril Loss Chart
STAX Coverage
The Stacked Income Protection Plan (STAX) is available for upland cotton. STAX provides protection against loss of revenue due to an area-level production loss, a price decline or a combination of both. This area-based plan is available for cotton and can be added to your MPCI policy or purchased as a standalone policy. Cottonseed can also be covered under STAX, and it provides coverage up to 20% of the expected area revenue.
STAX Coverage
Area Revenue Protection
Safeguards Texas farmers by providing coverage based on county-level revenue averages. This policy protects against revenue losses due to yield declines or market fluctuations, ensuring financial stability and helping farms manage risk effectively.
Benefits
Area Revenue Protection (ARP) is part of the Area Risk Protection Insurance plan and covers against loss of revenue due to a county-level production loss, price decline or combination of both, and includes upside Harvest Price protection. Coverage options may vary by county and crop.
Area Revenue Protection With Harvest Price Exclusion (ARPHPE) excludes upward price protection.
Guarantee
For ARP (Area Revenue Protection), the trigger revenue is calculated by multiplying the expected county yield by the greater of the projected or harvest price, then by the selected coverage level.
For ARPHPE (Area Revenue Protection With Harvest Price Exclusion), the trigger revenue is calculated by multiplying the expected county yield by acres, share, the projected price and the selected coverage level.
Prices
A protection factor ranging from 0.8 to 1.2 applies, and loss limit factors are also in effect.
Coverage Level
Coverage ranges from 70% to 90% of the county revenue.
Eligible Crops
Plans are available for almost all crops grown in Texas, from cotton to rice, and even for less traditional crops like canola and specialty vegetables.
Units
Provides one unit for each crop, type and practice within the county.
Losses
Losses are paid when the Final County Revenue is less than the Trigger Revenue.
Individual farm revenue is not considered when calculating losses.
STAX Coverage
The Stacked Income Protection Plan (STAX) is available for upland cotton. STAX provides protection against loss of revenue due to an area-level production loss, a price decline or a combination of both. This area-based plan is available for cotton and can be added to your MPCI policy or purchased as a standalone policy. Cottonseed can also be covered under STAX, and it provides coverage up to 20% of the expected area revenue.
STAX Coverage
Area Yield Protection
Provides coverage based on county-level yield averages, protecting farmers from widespread production losses due to natural disasters. This policy helps mitigate risk and ensure financial stability, regardless of individual farm yields.
Benefits
Area Yield Protection is part of the Area Risk Protection Insurance plan and covers against loss of yield due to a county-level production loss. Coverage options may vary by county and crop.
Guarantee
The trigger yield is calculated by multiplying the expected county yield by acres, share and the selected coverage level.
Prices
A protection factor ranging from 0.8 to 1.2 is applied, and loss limit factors may also apply.
Coverage Level
Coverage levels range from 50% to 85%.
Eligible Crops
Plans are available for almost all crops grown in Texas, from cotton to rice, and even for less traditional crops like canola and specialty vegetables.
Units
Provide one unit for each crop, type and practice within the county.
Losses
Losses are paid when the Final County Yield is less than the Trigger Yield.
Individual farm yields are not considered when calculating losses.
STAX Coverage
The Stacked Income Protection Plan (STAX) is available for upland cotton. STAX provides protection against loss of revenue due to an area-level production loss, a price decline or a combination of both. This area-based plan is available for cotton and can be added to your MPCI policy or purchased as a standalone policy. Cottonseed can also be covered under STAX, and it provides coverage up to 20% of the expected area revenue.
STAX Coverage
Hurricane Coverage
Hurricane coverage can be added to Multi-Peril Crop Insurance from Capital Farm Credit to provide essential protection for Texas farmers and ranchers facing the devastating impact of high winds, heavy rain and flooding. In fact, with its lengthy Gulf Coast, Texas ranks among the top three most hurricane-prone states in the U.S., leaving it vulnerable to tropical storms and other catastrophes. This coverage helps safeguard your crops and livelihood, ensuring financial stability and a quicker recovery after the storm.
Request a Quote
Take the first step toward protecting your farm — fill out our inquiry form, and a Relationship Agent will reach out to discuss your best coverage options.
Important Dates
Stay protected — and stay ahead.
Policies must be signed by the deadlines listed below.
Multi-Peril Crop Insurance (MPCI)
Spring Sales Closing Deadlines
South Texas
January 31
Upper Gulf Coast, Blackland Trail and Brazos Bottom Area
February 15 or 28
depending on county/crop
South Plains and High Plains
March 15
Fall Sales Closing Deadline
September 30
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At Capital Farm Credit, we offer tailored loan solutions to support the growth and success of Texas farmers, ranchers and rural landowners.
