Since production numbers are averaged within an APH (actual production history) database, a catastrophic year can bring down the overall averages. When an insured elects the YA option on an Application or Policy Change form by the applicable deadline, a yield adjustment is allowed to reduce the effect of a catastrophic year. An insured can choose to substitute 60 percent of the T-Yield, or his/her specific county’s average yield for years where he/she has low actual yields caused by drought, flood, or other natural disasters.