The U.S. Department of Agriculture's (USDA) Farm Service Agency's (FSA) Noninsured Crop Disaster Assistance Program (NAP) offers payments to producers of eligible crops when low yields, loss of inventory, or prevented planting occur due to a natural disaster.

You may qualify if you’re a landowner, tenant, or sharecropper who shares in the risk of producing an eligible crop. You must be entitled to an ownership share of that crop. To qualify per the Agricultural Act of 2014, your average adjusted gross income (AGI) limitation cannot exceed $900,000. Other terms and conditions also apply.

Your crops must be commercially produced, agricultural commodity crops. The catastrophic risk protection level of crop insurance must also not be available. 

NAP provides coverage equal to:

• 50% of the approved yield, and
• 55% of the average market price.

Additional buy-up coverage is available in increments between:

• 50% to 65% of the approved yield, and
• 100% of the average market price.

Under the buy-up coverage, you may choose either or both of the options below:

• Historical Marketing Percentage Option
• Direct Market Option

You may also choose the organic market price for eligible crops. This is available under both the 50/55% coverage and the buy-up coverage.

 Eligible crops may be any of the following:

• Grown for food.
• Planted and grown for livestock use, like grain and forage crops, and native forage.
• Grown for fiber, like cotton and flax (except for trees).
• Grown in a controlled environment, like mushrooms and floriculture.
• Specialty crops, like honey and maple sap.
• Value loss crops, such as aquaculture, Christmas trees, ginseng, ornamental nursery and turfgrass sod.
• Sea oats and sea grass
• Seed crops where the stock is produced for sale as seed stock for other eligible NAP crop production.

You must contact a crop insurance agent with questions about insurability of a crop in your county.

To find out if a crop qualifies for NAP coverage, you must contact the FSA county office where your farm records are kept.

An eligible natural disaster includes:

• Damaging weather, such as drought, freeze, hail, excessive moisture or wind, or hurricanes.
• An event such as an earthquake or flood.
• A condition related to a natural event, such as excessive heat, plant disease, volcanic smog (VOG), insect infestation.
• Any combination of these conditions.

The disaster must directly affect your crop and occur: 

• During the coverage period, and
• Before or during harvest.

You must apply for coverage of non-insurable crops using Form CCC-471, Application for Coverage at your local FSA office, and pay any service fees that apply. You must also file by the application closing date set by your state FSA committee.