Trevor Siroky - Crop Insurance

09/25/2026

2026 ARC/PLC Election & Enrollment Update

Here’s what growers need to know!👇

🗓️ Enrollment window: September 16 – December 11, 2026
• If you miss the December 11 deadline, your farm will be ineligible for 2026 program payments

My advice: don't rush this decision.
• Take advantage of the extended window — watch your yields and listen to what's happening in your county before deciding
• Poor yields trending? ARC may pay off better
• Good yields across the county? PLC could be the stronger choice

Waiting a bit longer means a more informed election.

Contact me today if you have any questions!

Trevor Siroky
Agency One - An INSight Partner
🏠 594 N 4th St., David City, NE 68632
📞 402-367-3177
📧 [email protected]

09/10/2026

What if you could lock in today's higher commodity prices for your 2027 crop?💰

Margin Coverage Option (MCO) is a crop insurance endorsement that protects your operating margin against decreasing county yields, falling commodity prices or rising input costs for the 2027 crop year.

• Coverage band: 90%–95%
• County based coverage
• Premium subsidized at 80%
• Deadline to sign up is September 30th

My thoughts:
With corn and soybeans rallying, MCO gives growers a chance to lock in today's higher prices early — if projected prices land above $5 corn / $12 soybeans, MCO captures that value months before your underlying multi-peril policy, SCO, and ECO prices are set in February. Since MCO only covers a narrow 5% band, this is a low-risk way to lock in increased commodity prices. If February prices rise, you've got a strong underlying price and can layer SCO up to 90% for added coverage; if February prices fall, you've already locked in the stronger September number with MCO.

Reach out today if you have questions or would like additional information!

Trevor Siroky
Agency One - An INSight Partner
🏠 594 N 4th St., David City, NE 68632
📞 402-367-3177
📧 [email protected]

05/12/2026

Looking to replant? READ THIS!

If you’ve experienced a stand failure and are considering destroying your first crop and replanting, there are critical steps you must follow to protect your potential multi-peril crop insurance indemnity.

Steps to Follow — In This Order:
1️⃣ Report the claim to your crop insurance agent BEFORE doing anything.
2️⃣ Wait for an adjuster from your insurance company to authorize the replant. Do not destroy the crop or begin replanting until you have received this authorization.
⚠️ If you replant first and notify your agent after, no indemnity is guaranteed.

Qualifications:
You must meet the 20/20 rule — damaged area must be at least the lesser of 20 acres or 20% of the unit.
Your crop must also have been planted on or after the early plant date:
🌽 Corn: April 10th*
🌱 Soybeans: April 25th*
*Date may differ by county. Contact your agent to confirm your county’s date.

Reach out today if you have questions!

Trevor Siroky
Agency One - An INSight Partner
🏠 594 N 4th St., David City, NE 68632
📞 402-367-3177
📧 [email protected]

04/28/2026

SDRP Update for Producers!

If you completed a Supplemental Disaster Relief Program (SDRP) application for crop losses in 2023 or 2024, great news — USDA has increased the payment factor from 35% to 70%! That means producers with approved applications will automatically receive an additional 35% of their calculated SDRP payment. No new application needed!

The application deadline has also been extended to August 12, 2026 for both Stage 1 and Stage 2 — so if you haven't applied yet, there's still time!

A few key reminders:
✅ Payment caps are $125,000 per year, or $250,000 if at least 75% of your AGI comes from farming — your additional payment will not exceed these limits
✅ Stage 1 & Stage 2 payments are combined when calculating payment limits
✅ Total payments cannot exceed 90% of your loss

Contact your local FSA office or visit fsa.usda.gov/sdrp for more information and to apply.

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02/19/2026

Here are two crop insurance add-ons to strengthen your coverage!

Supplemental Coverage Option (SCO)
• Coverage begins where your underlying multi-peril policy ends, up to 86%
• Additional coverage for a portion of your underlying multi-peril policy deductible

Enhanced Coverage Option (ECO)
• Coverage begins at 86% and goes to 90% or 95%
• Helps protect shallow losses

Both products are:
• Subsidized at 80%
• Work with underlying multi-peril policy
• County-based products

With a sales closing date of March 15th, now is the time to review your coverage and make sure your operation is protected heading into the growing season. Reach out to learn which option fits your farm best!

Trevor Siroky
Agency One | An Insight Partner
🏠 594 N 4th St., David City, NE 68632
📞 402-367-3177
📧 [email protected]

01/01/2026

‼️Payment Rates for Farmer Bridge Assistance Program Released‼️

The USDA revealed the commodity payment rates for the Farmer Bridge Assistance Program on December 31st, 2025.

Payment rates are $44.36 per acre for corn, $30.88 per acre for soybeans, and $39.35 per acre for wheat. Below are the payment rates for other FBA eligible commodities that triggered a payment.

Commodity, Per Acre Payment Rates
• Barley: $20.51
• Canola: $23.57
• Chickpeas (Large): $26.46
• Chickpeas (Small): $33.36
• Corn: $44.36
• Cotton: $117.35
• Flax: $8.05
• Lentils: $23.98
• Mustard: $23.21
• Oats: $81.75
• Peanuts: $55.65
• Peas: $19.60
• Rice: $132.89
• Safflower: $24.86
• Sesame: $13.68
• Sorghum: $48.11
• Soybeans: $30.88
• Sunflower: $17.32
• Wheat: $39.35

For more information you can contact myself or your local FSA office. You can also access the USDA press release here: https://www.usda.gov/about-usda/news/press-releases/2025/12/31/usda-announces-commodity-payment-rates-farmer-bridge-assistance-program

Trevor Siroky
Agency One
🏠 594 N 4th St., David City, NE 68632
📞 402-367-3177
📧 [email protected]

12/18/2025

Farmer Bridge Assistance Program (FBA)

This program was designed to help row crop producers get through market disruptions, high input costs, lingering fallout from inflation and trade issues. Producers who raise corn, soybeans, wheat and many other crops are eligible to receive this funding.

The USDA has stated that the payments will be based on modeled losses, NOT actual yield losses. Payments will be calculated using economic research, cost of production estimates and the WASDE yield and price data.

There will be a $155,000 payment cap per producer or legal entity and an adjusted gross income cap of $900,000. Payments are expected to start rolling out as soon as February 28th, 2026.

What do you need to do?

•If you have already reported your 2025 acres to the FSA office, in theory there is nothing you need to do. However, it would not hurt to verify with the FSA office that all acres are certified and that there is nothing else you need to do before December 19th, 2025.

•The USDA will be using pre-filled applications to streamline this process. Be on the lookout for these applications, as they may be mailed to you.

If you have any questions regarding the Farmer Bridge Assistance Program, contact our office or your local FSA office.

Trevor Siroky
Agency One
📞 402-367-3177
📧 [email protected]
🏠 594 N 4th Street, David City, NE 68632

11/26/2025

🌾Pasture, Rangeland & Forage (PRF) Insurance

If you rely on grass or hay to keep your operation running, the PRF program is a powerful tool to help protect your bottom line. PRF insurance is designed to offset the financial impact of reduced forage production caused by lack of rainfall — giving you a safety net during the dry years.

It’s flexible, easy to tailor to your acres, and pays based on local rainfall data, not on individual production records. If your area experiences below-average precipitation, the program can provide support right when you need it most.

If you’re interested in learning how PRF could fit your operation, I’d be happy to walk through options and coverage levels with you.

The deadline to signup for PRF is December 1st.

Trevor Siroky
Agency One
📞 402-367-3177
📧 [email protected]
🏠 594 N 4th St, David City, NE 68632

11/06/2025

The USDA has released the 2025 harvest prices for corn, soybeans and other crops.
Below is a comparison of the harvest prices to the projected prices.

You can also view other crop harvest prices using the RMA Price Discovery tool: https://public-rma.fpac.usda.gov/apps/PriceDiscovery/GetPrices/YourPrice.

10/15/2025

Harvest is in full swing! Below are some harvest reminders to keep in mind.

Acceptable harvest records include, but are not limited to:
•Company appraisals.
•Settlement sheets in the name of the insured.
•Bin measurements.
•Livestock feed records.
•Load records from grain cart or truck to use with bin markings or settlement sheets for the purpose of separating production between units.

Other reminders:
•To avoid any claim payment delays, good record keeping is important.
•Contact your crop insurance agent ASAP if you have losses or need to measure old crops in the bin.
•Please report production to your crop insurance agent as soon as harvest is complete.

If you have questions, you can give our office a call or send me an email.

Trevor Siroky
Agency One
📞 402-367-3177
📧 [email protected]
🏠594 N 4th Street, David City, NE 68632