Jun 11 2025 12:00
Weather in Eastern North Carolina doesn’t always follow the rules — and when your livelihood depends on your land, every storm, drought, or unexpected cold snap matters. That’s why Multi-Peril Crop Insurance (MPCI) remains one of the most widely used options for farms of all sizes across counties like Sampson, Duplin, and Wayne. This article breaks down how MPCI works, what it covers, and how it can fit into your operation — whether you grow row crops, raise cattle, or manage multiple fields across the region.
What Is Multi-Peril Crop Insurance?
MPCI is a federally backed insurance program designed to cover crop losses caused by natural events like excessive rain, drought, hail, wind, frost, or flooding. Farmers in North Carolina know these risks all too well, especially during hurricane season or unexpected dry stretches in late summer.
This coverage is yield-based, meaning it protects against losing a percentage of your average production. It’s especially valuable in places like Johnston or Columbus County where field conditions can vary significantly from one side of the farm to the other.
Crops Covered Under MPCI in NC
MPCI is available for many of the most common crops grown in Eastern NC. Coverage options vary by crop type and location, but in most counties we serve, you can insure:
Corn
Soybeans
Cotton
Peanuts
Tobacco
Wheat
Each policy is tied to your Actual Production History (APH), which helps determine how much coverage you qualify for and what a potential loss payout would look like.
Why Farmers Choose MPCI
In counties like Bladen, Harnett, and Lenoir, MPCI has become a key part of many farmers’ yearly planning. Here’s why:
Predictable coverage tied to your real yields
Protection from the most common natural risks
Works alongside other coverage like Revenue Protection or PRF
Flexible enough to adapt to field-by-field variations
If you’re managing different soil types, crop mixes, or field conditions, MPCI gives you a reliable foundation to build on.
Getting Started Locally
Many producers across Wilson and Onslow Counties qualify for MPCI and don’t even realize it. The process can seem complicated at first — from coverage levels to acreage reporting — but that’s where we come in. We’ll walk your fields, go through your production history, and help you find the right balance between risk and coverage.
Think MPCI might be the right fit for your operation? We’d love to talk with you about how it works and whether it fits your fields. Reach out today and let’s look at your options together.