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Crop Hail Insurance  ·  Missouri

Missouri Crop Hail Insurance. Built for Storm Country.

From the corn fields of northern Missouri to the soybean acres of the Bootheel, MO farmers face hail risk across every growing region — Brawner Insurance helps Missouri farmers protect their crops from devastating hail events with affordable, fast-binding coverage.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Private CoverageStandalone or supplements MPCI
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters in Missouri

Why Missouri Farmers Need Crop Hail Coverage

Missouri sits squarely in Tornado Alley, where summer hailstorms can devastate fields in minutes. With over 3 million acres of corn and soybeans across the state, MO farmers need crop hail coverage that fills the gaps in federal MPCI policies.

As an independent agency, Brawner compares crop hail policies from specialty carriers to find Missouri farmers the right per-acre coverage at the right price. We help you fill MPCI gaps and protect your fields from the most destructive weather events.

MPCI crop coverage
Tornado AlleyMO faces severe hail risk year-round
First Dollarno MPCI-style deductible to absorb
24 Hourstypical timeframe to bind coverage

Whether you grow corn, soybeans, wheat, or specialty crops in Missouri, crop hail insurance gives you the first-dollar protection that MPCI doesn't — and you can buy it almost any time during the growing season.

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Missouri farmers — protect your fields.

Brawner Insurance helps Missouri farmers find affordable crop hail coverage that fills MPCI gaps and pays out fast when storms hit.

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660-665-1687  ·  660-754-1000

Coverage Options

Crop Hail Coverage Through Brawner

Crop hail coverage offers fast, flexible protection against weather events. Here's what we help Missouri farmers put in place.

Hail damage to crops

Hail Damage Coverage

Direct protection against crop damage caused by hail — one of the most destructive weather events for row crops, often striking suddenly during the growing season.

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Production loss from storm

Production Loss Protection

Compensates farmers for crop production losses caused by hail damage — paid based on the percentage of crop destroyed at the time of loss.

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Wind and storm damage

Wind & Storm Coverage

Many crop hail policies also cover wind damage, fire from lightning, transit damage, and vandalism — protecting your crops from multiple weather perils.

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Total crop loss from hail

Total Crop Loss Coverage

Pays out the full coverage amount when hail completely destroys your crop — providing critical financial protection for catastrophic loss events.

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Replant coverage

Replant Coverage

Reimburses replanting costs when hail damages crops early enough in the season for a second planting — keeping your operation productive after a loss.

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Every Operation Is Different

Build your policy.

We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.

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Your Options

Crop-Hail vs. MPCI — Which Do You Need?

Crop-Hail and Multi-Peril Crop Insurance work very differently. Most serious producers carry both. Here is why.

Option 1

Crop-Hail Insurance

  • Dollar-one coverage with no large deductible
  • Pays for damage from hail, fire, lightning, and transit
  • Coverage can exceed federal MPCI guarantee levels
  • Private market — no federal subsidy required
  • Flexible — buy on individual fields if needed
  • Great supplement when MPCI alone is not enough

Best for: producers in hail-prone regions who want first-dollar protection on top of their MPCI policy.

Option 2

Multi-Peril Crop Insurance (MPCI)

  • Federal program subsidizing 38-80% of premium
  • Covers drought, flood, freeze, disease, and more
  • Yield-based or revenue-based protection
  • Requires deductible based on coverage level
  • Standardized across all approved carriers
  • Foundation policy for most row-crop producers

Best for: producers who want broad multi-peril protection with federal subsidies reducing premium cost.

Most successful producers carry MPCI as their foundation and add Crop-Hail for first-dollar storm protection. We will help you build the right combination.

Compare My Crop Options →

Not sure which combination is right for your fields?

We will review your crops, locations, MPCI coverage level, and historical hail risk to recommend a combined program that actually protects your operation.

Get a Free Crop Review →

660-665-1687  ·  660-754-1000

Key Moments

When to Review Your Crop-Hail Coverage

Crop-Hail policies can be adjusted throughout the season. Here are the moments when a quick check-in can protect your operation.

Pre-Planting Season

Lock in coverage before planting decisions are final. Pricing and product availability are best early in the season — and you can match coverage levels to expected yields.

Mid-Season Growth

As crops develop and your investment grows, you may want to increase coverage. Crop-Hail offers mid-season flexibility that MPCI alone cannot match.

After a Storm Warning

If hail or severe weather is forecast in your region, contact us immediately. We can review your coverage levels and confirm protection before the storm hits.

Annual Renewal Review

Each year is different. Reviewing your Crop-Hail program before the new season ensures you are protected against the risks that matter most for your specific fields.

Planning Tip: Brawner reviews your Crop-Hail and MPCI policies together as one program — not separate products — so there are no gaps and no overlap.

Our Process

How We Help You Protect Your Crops

1

Review Your Operation

We learn about your acres, crops, locations, MPCI coverage, and historical hail and storm exposure.

2

Compare Carriers

We shop your Crop-Hail coverage across multiple top crop carriers to find competitive pricing and strong claims service.

3

Explain Your Options

We walk through coverage levels, riders, and how Crop-Hail layers on top of your MPCI policy in plain language.

4

Set Up and Support

We bind coverage, handle paperwork, and stay available throughout the season for adjustments and claims.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

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Getting Started

How Crop-Hail Coverage Works

1

Free Consultation

We start by understanding your acres, crops, MPCI coverage, and storm history so we can recommend the right Crop-Hail program.

2

Plan Comparison

We compare Crop-Hail policies from multiple approved crop carriers — explaining coverage levels, premiums, and how it pairs with MPCI.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force before storm season builds.

4

Year-Round Support

Brawner Insurance is here through planting, growing, and harvest for adjustments, storm claims, and renewal reviews — a real ag advocate.

Client Reviews

Trusted by Clients Across Missouri, Iowa, Kansas & Illinois

See why farmers and producers across the Midwest trust Brawner Insurance for crop-hail coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

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Common Questions

Crop-Hail Insurance FAQ

What does Crop-Hail insurance cover?

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Crop-Hail insurance covers physical damage to growing crops from hail, fire, lightning, and sometimes transit and vandalism. Unlike MPCI, it offers dollar-one coverage with no large deductible. Brawner Insurance helps you choose the right level.

How is Crop-Hail different from MPCI?

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MPCI is a federally subsidized multi-peril program with a deductible based on coverage level. Crop-Hail is a private dollar-one product focused mainly on hail. Most producers carry both — MPCI as the foundation and Crop-Hail for storm protection.

How much does Crop-Hail insurance cost?

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Premiums depend on your county, crop type, coverage level, and historical hail frequency. Brawner Insurance shops multiple crop carriers to find competitive rates for your specific fields.

Can I add Crop-Hail mid-season?

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Yes — Crop-Hail offers more mid-season flexibility than MPCI. You can often add or increase coverage as crops develop, though pricing and availability vary by carrier and timing. Contact Brawner Insurance early to lock in best terms.

How are Crop-Hail claims paid?

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Crop-Hail claims pay based on the percentage of damage to the insured crop, with no large deductible. Adjusters inspect the damaged fields after the storm. Brawner Insurance helps you file quickly and follow claims through to payment.

Can Brawner Insurance help me find the right Crop-Hail policy?

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Yes — as an independent agency, Brawner Insurance shops Crop-Hail coverage across multiple approved crop carriers. We serve farmers across Missouri, Iowa, Kansas, and Illinois with combined MPCI and Crop-Hail programs.

Get crop protection you can count on.

Brawner Insurance helps farmers and producers across the Midwest build the right Crop-Hail program — paired with MPCI for complete protection — with unbiased advice from independent crop agents.

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660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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