Tools
Eleven crop years, 2015 through 2025, every county in Iowa and Minnesota — what SCO and ECO would pay per acre, scored on the 2027 terms.
Pick your county, crop, practice and coverage level. The county yields and the projected and harvest prices underneath are RMA's own published figures; the structure laid over them is the 2027 one, with SCO triggering at 90% down to your coverage level and ECO as the single 95/90 band. The payment factors this produces were checked against RMA's published Payment Factor for every Iowa and Minnesota corn and soybean offer — 1.6 million of them across four crop years.
Gross indemnity per acre, before premium, under the 2027 rules.
Ratio is final county revenue divided by expected county revenue (or final ÷ expected yield on a yield-only policy). A band pays when the ratio falls below its trigger, and pays in full at the bottom of the band.
For the years that paid, how much of the county shortfall came from a short crop versus a lower harvest price.
Tap a county to load it above. Shaded on the same settings you picked — crop, practice, coverage level and policy type.
Both endorsements pay on the county result, not your own yield. You can have a good crop and still collect, or a bad crop and collect nothing.
The payment factors this tool produces were checked against RMA's own published Payment Factor in the Actuarial Data Master for every Iowa and Minnesota corn and soybean offer — 1.6 million factors across four crop years, matching to the last digit in 2021, 2023 and 2025.
Historical illustration only. These are gross indemnities before premium — what the endorsement would have paid, not what you would have netted. Past crop years are scored under the 2027 rules, so these are not the payments that were actually issued in those years. This is not a quote, an offer of coverage, or a guarantee of future payments. Past county results do not predict future ones. Contact Beland Ag Risk Services for premium quotes and coverage decisions.
County yields, projected and harvest prices from the USDA RMA Actuarial Data Master. Rules from the RMA 27-SCO and 27-ECO endorsements. Data built —.
Nobody collected these amounts. ECO was not offered until 2021, and the 90% SCO trigger and the single 95/90 ECO band are 2027 creations. Putting today's structure over older county results is the only way to see what the coverage you are actually buying would have been worth — but it is a what-if, not a track record.
Eleven observations is also not a probability. A county that would have paid four times out of eleven is not a county that pays four years in ten. Read it as a feel for how often that band gets reached on your ground, and how much is at stake when it does.
One thing it shows plainly: changing your coverage level often does not change the total at all. The payment is the payment factor times the width of the band, and the width cancels out unless the county falls clean through the bottom. Your coverage level only bites in a bad year — which is worth understanding before you pay for it.