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Wildfire and Hurricane Indemnity Program-Plus

The Wildfire and Hurricane Indemnity Program-Plus (WHIP+) program expands on the original WHIP program by adding excess moisture and drought to the covered perils and sugar beets to covered crops.

Producers who experienced natural disasters in 2018 or 2019 may qualify for disaster aid under the WHIP+ program, which includes:

  • Hurricanes Michael, Florence, and Dorian
  • Floods and excess moisture
  • Snowstorms
  • Tornadoes
  • Typhoons
  • Volcanic activity
  • Wildfires
  • Drought of D3 or higher severity in all or part of their county
  • Related conditions
  • Quality issues

Listen to our podcast to learn more about the WHIP+ program, including requirements, eligibility, payment structure and how to apply.


Crops, perennial trees, bushes and vines, maple tap, honeybees; recently added, sugar beets.

Includes those for which federal crop insurance, Noninsured Crop Disaster Assistance Program (NAP) or Tree Assistance Program is available.

Livestock, as well as crops intended for grazing are not covered.


Conservation compliance is required.

Payment limitation is $125,000 per person or legal entity for the 2018, 2019 and 2020 crop years combined if their average adjusted gross farm income is less than 75% of average adjusted gross income (AGI) for 2015, 2016 and 2017.

For persons or entities who derive at least 75% AGI income from farming, ranching or forestry, the payment limit is $250,000 for each of the crop years, with an overall payment limitation of $500,000 for the three crop years combined.

Producers receiving assistance through WHIP+ must buy crop insurance or NAP at the 60% level or higher on the crop paid under WHIP+ for the first two available consecutive crop years after the applicable crop year, but no later than 2022 and 2023. This does not apply to trees insured under an RMA tree policy.


WHIP payment =
expected value of the crop x
WHIP factor* –
actual value of the crop harvested x
payment factor** –
NAP payment or crop insurance indemnity

*70%-95%; see table below
**payment factor varies by state and commodity and reflects lower costs due to prevent plant or non-harvest

Coverage Level WHIP+ Factor
Uninsured 70%
CAT/NAP Basic 50/55 75%
50% - <55% 77.5%
55% - <60% 80%
60% - <65% 82.5%
65% - <70% 85%
70% - <75% 87.5%
75% - <80% 92.5%
≥80% 95%


Eligible counties can be found at farmers.gov/recover/whip-plus/eligible-counties. Losses in a nondesignated county may be eligible if properly documented.

Apply at your local Farm Service Agency. Documentation needed to file includes FSA-894 (WHIP+ application), Notice of Loss, Acreage Report or 578 form.

If you have questions call 800-397-3191 or contact your local Frontier Farm Credit insurance team.


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Frontier Farm Credit serves farmers, ranchers, agribusinesses and rural residents in eastern Kansas. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.