Accurate production reporting is essential to maintaining the integrity of the crop insurance program and continues to be an area of heightened scrutiny by the Risk Management Agency (RMA). While some production will be reported through the claims process in 2025, producers who experienced strong yields should not be complacent in maintaining records and reporting accurate production. Consistent and disciplined record keeping is critical to preserving the value of your coverage and ensuring compliance during future production audits.
We encourage you to certify your production as soon as possible so your policy is current when making 2026 crop insurance decisions. As you prepare to report your 2025 production, please keep these key points in mind:
- Database Requirements – Each database with planted acres must include total production and a record type. The record type identifies the documentation used to determine reported production and is explained in the legend on your production report.
- Adjust for Discounts – Reported production should reflect adjustments for discounts, including moisture. Moisture charts are available to properly shrink wet bushels and can be accessed at: https://www.fmh.com/resources/moisture-and-pack-factors.
- Report All Production – Ensure that all production,
both insured and uninsured, is reported. - Commingled Production – Any production commingled between two or more insurance units must be specifically designated on the production report. Contact your agent if this applies to your operation.
- Supporting Documentation – Upon request, you must provide documentation to substantiate certified yields by database. Yields that cannot be verified will result in assigned yields, negatively impacting your APH, unit structure, and coverage.
Producers are required to maintain complete records—including planting, replanting, inputs, harvesting, and crop disposition—for both insured and uninsured acreage for three years after the end of the crop year in which records were certified. This retention period may be extended if requested in writing before it expires. While three years is the standard requirement, additional years of records may be beneficial or necessary in certain situations, such as production transfers or recertification due to the development of a new entity.
Your crop insurance is only as strong as the data behind it. Please contact your FCS Financial agent with any questions as you report 2025 production!
UNLOCK THE FULL VALUE OF YOUR CROP INSURANCE WITH PRECISION AG DATA
Producers across Missouri are seeing real results by leveraging precision-reported acres and production on their crop insurance policy. As technology becomes a bigger part of farming, your recent equipment investments can do more than improve efficiency—they can put money back in your pocket and strengthen your risk management strategy.
Why make the switch? Here’s what producers are experiencing:
- Premium Savings – Precision reporting often reduces insured acres, lowering overall premium costs.
- Improved APH Accuracy – Enhances the integrity of your Actual Production History.
- Streamlined Audits – Simplifies compliance and documentation processes.
- Faster Claims – When disaster strikes, precision reporting speeds up settlement so you can get back to business quickly.
Your technology investment isn’t just about farming smarter—it’s about protecting your bottom line. Contact an FCS Financial agent to discuss how using precision data can maximize your crop insurance!
