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Compare 2026 coverage levels, premiums, and ways to stack protection
The 2026 projected corn price is $4.62 per bushel, below the roughly $5.00 national break-even. That gap makes revenue protection especially important for growers.
Revenue Protection covers farm revenue, calculated from yield and price. Its guarantee can increase when the harvest price exceeds the $4.62 projected price for 2026.
For McLean County, Illinois, with a 200-bushel APH, estimated farmer-paid premiums include $14.86 per acre for RP 75% and about $17.50 for RP 80%.
SCO covers county losses between your RP level and 86% in 2026. ECO adds another layer of county-level protection beyond SCO; eligibility and terms matter.
In the estimates shown, RP 80% + SCO + ECO 95% costs $21.53 per acre and has an expected indemnity of $58.41, the strongest net benefit among listed options.
Enterprise units combine county acres, generally lowering premiums through risk pooling and higher subsidies. Optional units insure fields separately but usually cost more.
The 2026 marketing-year average price is projected at $4.20 per bushel, against national break-even costs near $5.00. Insurance can soften losses, not erase the margin gap.
Confirm your APH and whether trend adjustment applies. Then use the USDA RMA Cost Estimator and farmdoc Crop Insurance Payment Evaluator to compare county-specific options.
Compare premiums, likely indemnities, yield variability, and unit structure before choosing. ECO’s affordability in 2026 may make layered protection worth evaluating for your farm.
RP with ECO adds county-level protection to farm-level revenue coverage; adding SCO can fill the gap up to 86%. Check program eligibility and compare costs for your operation.
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