The "Save Our Small Farms Act of 2025" seeks to significantly improve the **Noninsured Crop Disaster Assistance Program (NAP)** by making it more accessible and beneficial for farmers. Key changes include expanding the list of crops with local market prices, streamlining application processes for diverse, small-scale, and direct-to-consumer production systems, and allowing the submission of only two acreage reports per year. A new revenue-based coverage option will accept IRS Schedule F for establishing historical adjusted revenue, simplifying record-keeping for producers.

The bill substantially increases NAP payouts by raising the coverage level from 65 percent to **100 percent** of the average market price. It also increases the payment limitation for limited resource, beginning, socially disadvantaged, and veteran farmers, as well as those participating in the streamlined revenue-based option, to **$600,000**. Furthermore, it allows for more flexible loss notification for hand-harvested or rapidly deteriorating crops and permits remote or field office staff appraisals when loss adjusters are unavailable, addressing practical challenges faced by farmers.

A major provision establishes an "on-ramp" to encourage farmers to transition from NAP to the more comprehensive **Whole Farm Risk Management Insurance Plan**. This transition is incentivized through progressive premium discounts: 25 percent for the first year, 50 percent for the second, and 50 percent for the third year, provided the producer commits to purchasing a whole farm plan within a specified timeframe. The bill also accepts IRS Schedule F as sufficient documentation for establishing revenue history for these discounts.

The legislation mandates several improvements to the **Whole Farm Revenue Protection (WFRP)** program to increase participation, particularly among producers marketing direct-to-consumers or through local/regional markets. It requires annual reviews of insurable revenue limitations for high-value agricultural products and implements modifications such as accepting Schedule F for revenue history, presuming market price declines are due to unavoidable causes, and raising the growth expansion limit to $500,000 or 100 percent of historic revenue. Approved insurance providers must also provide written rationales for application rejections.

Further enhancements to WFRP include expanding the diversification-based premium discount to cover up to 10 commodities and moderating the impact of disaster years on historic revenue by counting indemnities or using assigned yield floors. The bill also aims to increase agent incentives for selling WFRP policies through additional administrative subsidies and requires timely processing of applications. Additionally, it mandates the continuation and modification of the **Micro Farm Insurance Plan**, allowing vertically integrated operations, permitting crop-specific policies, and expanding the maximum approved revenue for eligibility to $1,000,000 or more.

Finally, the bill introduces a new **Single Index Insurance Policy** to cover agricultural income losses caused by specific weather conditions like high winds, drought, or extreme heat. This policy requires research and development to ensure availability across all U.S. states and territories, allowing producers to adjust coverage levels based on their farm's income. Priority features for this new policy include covering all crops and commodities, providing rapid payouts, and minimizing paperwork, with a focus on supporting small-scale and underserved producers.