Corn Heat Unit Insurance Program

The Corn Heat Unit Program is a weather-based program that insures against a lack of corn heat units over the growing season. The same acres can not be insured under the grain corn yield-loss program and the corn heat unit program. This program provides a risk management option to silage, grazing and grain corn producers. The Corn Heat Unit Program is not an individual production program; corn heat units determined for the selected weather station are the only means of determining a claim. Indemnities are not tied to individual yields or the corn heat units recorded on individual parcels of land.

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Weather-Based Programs Terms & Conditions

The Forage Rainfall Insurance Program and the Corn Heat Unit Program were introduced to provide producers with options to tailor their coverage to their operation and expand on limited coverage options for non-traditional crops.

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Experience discounts and surcharges do not apply. Premium rates are calculated for participating weather stations based on historical heat unit data.


The corn heat unit calculation is a standard North American formula modified for the specific area measuring the maturity of corn. Customers will be guaranteed 95 per cent of the long term normal Corn Heat Unit accumulation for the selected weather station.
Annual corn heat units accumulate from May 15 until the daily minimum temperature first reaches -1°C or less after July 1.
You are limited to selecting one weather station per insured parcel of land which is within 120 kilometres of your land. You may select insured values of $100, $200 or $300 per acre. You may insure any number of acres, but you do not need to insure all your corn acres. All acres on that contract must be insured at the same level of coverage. At the time of enrolment, you must declare all acres selected for coverage.
The same acres cannot be insured under the main corn yield-loss program and the corn heat unit program.
If you seed fewer acres than were declared, your premium will be adjusted accordingly. If you seed more acres, the declared acres will be used for premium calculations. These acres must be seeded to corn.


Insurable Weather Stations map

The insurable area for this program includes data from 131 weather stations.
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For every per cent the accumulated heat units fall below 95 per cent of normal for the selected station, 4 per cent of liability will be paid.

Claims do not have to be filed but are automatically calculated in November based strictly upon weather station data. Quality control measures include verification of all weather data by a third party (independent of SCIC) using procedures approved by an accredited meteorologist. Only verified data will be used in claim calculations.


Corn Heat Unit Claim Calculation Example

This example demonstrates how a Corn Heat Unit claim is calculated.
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"What-if" Calculator

Corn Heat Unit

Visit our Data Centre for access to our online "What-if" Calculators

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