ProAg crop insurance proudly offers crop insurance coverage to help protect against risks such as damage and natural disasters affecting tree nut crops.

From the Central Valley in California to New Mexico, tree nut producers face unique risks including drought, frost and market swings.

ProAg’s Tree Nut insurance program provides growers with flexible coverage for almonds, walnuts and pistachios, along with the Almond Increased Coverage Election (ICE) for added protection.

Built on decades of agricultural expertise and powered by innovative technology, ProAg’s crop insurance solutions help you safeguard yields, stabilize income and grow your business with confidence.

California Almonds

All almonds in the county can be insured if:

• They are grown in an orchard where at least 90% of the trees have reached their fifth growing season after being set out.
• All of a grower’s almonds in a county are insured at the same coverage level.

Orchards must be insured as a separate unit if located on non-contiguous land.

Coverage Levels and Premium Support

The production guarantee of almond meats is measured in pounds. The weight of almonds sold in shell is converted to meat pounds using sample-shelling percentages when available or USDA shell-out factors. Individual approved average yields are calculated from four to 10 years of production records.

Coverage levels range from 50% to 85% of your approved yield. Crop insurance premiums are subsidized as shown in the table below.

Catastrophic Risk Protection (CAT) coverage is fixed at 50% of the approved yield and 55% of the price election. CAT is 100% subsidized with no premium cost to you. There is, however, an administrative fee of $655 per crop per county, regardless of the acreage. Additional coverage is $30 per crop, per county.

Price Election – 2026

• Almonds (conventional): $1.70 per pound
• Almonds (certified organic): $2.55 per pound

California Walnuts

All English walnuts (excluding black walnuts) in the county can be insured if:

• They are grown in an orchard where at least 90% of the trees have reached their sixth growing season after being set out.
• All of the grower’s walnuts in a county are insured at the same coverage level.

Orchards must be insured as a separate unit if located on non-contiguous land.

Coverage Levels and Premium Support

The production guarantee of walnuts is measured by in-shell pounds. Individual approved average yields are calculated from four to 10 years of production records.

Coverage levels range from 50% to 85% of your approved yield. Crop insurance premiums are subsidized as shown in the table below.

Catastrophic Risk Protection (CAT) coverage is fixed at 50% of the approved yield and 55% of the price election. CAT is 100% subsidized with no premium cost to you. There is, however, an administrative fee of $655 per crop per county, regardless of the acreage. Additional coverage is $30 per crop, per county.

Price Election – 2025* (2026 elections not released)

• Walnuts (conventional): $0.70 per pound
• Walnuts (certified organic): $1.15 per pound

Pistachios

All pistachios are insurable in the county if they are grown for harvest as pistachios, are adapted to the area and grown on rootstock adapted to the area, and which have reached at least the 10th growing season after being set out, unless otherwise allowed by Special Provision.

Pistachio insurance is based on a two-year coverage period, during which the insured agrees to insure the crop for both years of the period and stay with the same Approved Insurance Provider (AIP) for both years and the insured must have and retain an insurable interest in the orchard.

Growers must apply for coverage on or before December 31 to insure the crop they plan to harvest in that year and the following year. Coverage begins on January 1 of each crop year. In the year the application is submitted, ProAg will inspect all of the pistachio acreage and notify the insured whether the application is accepted or not, no later than 30 days after the sales closing date.

All policies automatically renew after the end of each two-year coverage period unless the crop insurance agent is notified in writing that the insured wishes to cancel coverage by the December 31 cancellation date.

Counties Available

Pistachios are insurable in select counties in Arizona, California and New Mexico.

Price Election – 2026

• Pistachios (conventional): $1.95 per pound
• Pistachios (certified organic): $2.65 per pound

ALMOND INCREASED COVERAGE Election (ICE)

The Increased Coverage Election (ICE) policy supplements the coverage provided by the Multiple Peril Crop Insurance (MPCI) policy by increasing the price election. The combined value of the supplemental coverage provided by the ICE policy and the coverage provided by the MPCI policy may not exceed the value of the APH Approved Yield multiplied by the price election.

The ICE policy is not available to policyholders classified as “new producers” under the MPCI policy. To qualify for an ICE policy, a policyholder must have at least four years of actual yield APH data.

The policyholder must have an MPCI policy for the crop and location for which ICE coverage is applied for at a level of coverage higher than Catastrophic Risk Protection (CAT) level under the MPCI program.

Important Crop Insurance Dates

• Sales closing/cancellation: Dec. 31
• Premium Billing: Oct. 1 ($50 minimum)