Missouri SCO Insurance. Bridge the Gap in Your Crop Coverage.
SCO is a county-based crop insurance add-on that covers a portion of your deductible — bridging the gap between your individual coverage level and 86%. Federally subsidized at 65% and available across all 114 Missouri counties.
Missouri Crops Need More Than Basic Coverage. SCO Delivers It.
Missouri crop producers carrying a 75% Revenue Protection policy absorb the first 25% of loss before coverage kicks in. On a 1,000-acre corn operation, that deductible gap can represent $100,000+ in uninsured risk. SCO covers a portion of that gap — from your individual coverage level up to 86% — using county-level data across all 114 Missouri counties.
SCO is federally subsidized at 65%, making it extremely affordable for Missouri farmers. It's area-based — triggered by county-wide yield or revenue shortfalls — so it pays when your entire area is affected by drought, excessive moisture, or other widespread events. It works alongside your existing RP, YP, or APH policy.
Missouri's diverse crop landscape — from corn and soybeans in the north to rice and cotton in the Bootheel — benefits from SCO's affordable gap coverage. Whether you're growing row crops or specialty crops, SCO can reduce your out-of-pocket exposure significantly.
Get an SCO Quote →Is your Missouri crop insurance deductible too big to absorb?
SCO bridges the gap in your crop insurance — covering from your individual policy level up to 86%. With a 65% federal premium subsidy, it's one of the most affordable ways to boost your coverage.
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Missouri SCO Through Brawner
SCO is an area-based add-on to your individual Missouri crop insurance policy. Here's how it bridges your coverage gap.
How SCO Works
SCO is an area-based add-on that covers the difference between your individual crop insurance coverage level and 86%. For example, if you have 75% RP coverage, SCO covers the band from 75% to 86% — an additional 11% of county-level protection. It's triggered by county-wide yield or revenue losses, not your individual farm performance.
The Coverage Gap
Without SCO, you absorb 100% of losses within your deductible. On a 1,000-acre corn operation at $5/bushel with 200 bu/acre expected yield, a 75% RP deductible represents $250,000 in uninsured risk. SCO covers a significant portion of that gap — reducing your exposure from the county level up to 86%.
County-Level Triggers
SCO payments are triggered by county-wide yield or revenue shortfalls — not your individual farm's performance. If the county as a whole experiences a loss that exceeds the 86% threshold, SCO pays regardless of whether your specific farm was affected. This area-based approach keeps premiums low.
Eligible Underlying Policies
SCO can be added to Revenue Protection (RP), Revenue Protection with Harvest Price Exclusion (RP-HPE), Yield Protection (YP), or Actual Production History (APH) policies. You must have an underlying individual policy in place — SCO cannot be purchased standalone. It's available for most crops in most counties.
Area-Based Coverage
SCO premiums are federally subsidized at 65% — meaning you only pay 35% of the total premium cost. This heavy subsidy makes SCO one of the most cost-effective ways to increase your effective coverage level. Your out-of-pocket premium cost is significantly lower than simply raising your underlying policy's coverage level.
SCO vs. ECO
SCO covers from your individual coverage level up to 86%. ECO (Enhanced Coverage Option) covers the band from 86% up to 90% or 95%. They can be used together — SCO fills the gap below 86%, ECO extends protection above 86%. Both are area-based and federally subsidized. We help you determine if one or both make sense.
How Payments Work
SCO payments are calculated based on the county-level revenue or yield shortfall within the SCO coverage band. The payment equals: (county loss percentage within the band) × (your liability for the SCO coverage). Because it's area-based, your individual farm's actual production doesn't directly determine the payment.
ARC-CO Interaction
Important: SCO cannot be combined with ARC-CO (Agriculture Risk Coverage — County Option) on the same crop in the same county. If you elect ARC-CO through FSA, you cannot add SCO. However, SCO can be used with PLC (Price Loss Coverage). We help you evaluate the tradeoffs between ARC-CO and SCO+PLC to maximize your total risk protection.
Let's add SCO to your policy.
We help you determine if SCO makes sense for your operation, calculate the cost, and add it to your existing crop insurance policy.
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