 Rusk-Sawyer County USDA Service Center - December 2025 In This Issue: | January 1, 2026 | USDA Service Centers closed in observance of New Year's Day holiday | | January 2, 2026 | Deadline to complete 2026 initial honeybee acreage report | | January 19, 2026 | USDA Service Centers closed in observance of Martin Luther King Jr Holiday | | March 1, 2026 | Deadline to file an ELAP Notice of Loss or Application for Payment for the 2025 calendar year | | April 30, 2026 | Deadline to apply for Stage 1 and Stage 2 of Supplemental Disaster Relief Program (SDRP) | | Selected Interest Rates for December 2025 | | Farm Operating Loans - Direct | 4.625% | | Farm Ownership Loans - Direct | 5.625% | | Farm Ownership - Direct Down Payment, Beginning Farmer or Rancher | 1.625% | | Farm Storage Facility Loans (7 years) | 3.875% | | Commodity Loans | 4.625% | A key part of NRCS's 90-year history was the establishment of the conservation planning process by Hugh Hammond Bennett. Bennett was the agency's first chief and is considered the "father of soil conservation." He believed in considering each farm's unique conditions when developing a conservation plan. A conservation plan is a document outlining the strategies and actions that should be taken to protect and manage natural resources on a specific area of land. It serves as a blueprint for achieving conservation goals. To develop a conservation plan, a conservation planner and the customer (farmer, rancher or landowner) collaborate during the conservation planning process. Bennett believed that agency employees must walk the land with the customer and see their natural resource challenges and opportunities firsthand. Bennett also understood that natural resource concerns could not be treated in isolation; soil, water, air, plants, animals, and humans are all part of an integrated system that is inter-dependent. Learn more about how conservation planning has evolved over the years. Top of page USDA's Farm Service Agency (FSA) is delivering more than $16 billion in total Congressionally approved disaster relief. FSA is now accepting applications for assistance through the second stage of the Supplemental Disaster Relief Program (SDRP) from agricultural producers who suffered eligible non-indemnified, uncovered or quality crop losses due to qualifying natural disasters in 2023 and 2024. Stage Two covers eligible crop, tree, bush and vine losses that were not covered under Stage One program provisions, including non-indemnified (shallow loss), uncovered and quality losses. Although the majority of payments from the first stage are already in the hands of producers helping them prepare for and invest in the next crop year, Stage One assistance, announced in July, remains available to producers who received an indemnity under crop insurance or the Noninsured Crop Disaster Assistance Program (NAP) for eligible crop losses due to qualifying 2023 and 2024natural disaster events. The deadline to apply for both Stage One and Stage Two assistance is April 30, 2026. Additionally, FSA is taking applications for assistance from producers who had to dump or remove milk from the commercial market and who incurred losses of eligible farm stored commodities due to qualifying disaster events in 2023 and 2024. SDRP Stage Two Program Details SDRP Stage Two provides assistance for eligible crop, tree, bush and vine losses not covered under Stage One, including: - Non-Indemnified Losses (Including Shallow Losses)
- Insured losses through federal crop insurance that did not trigger a crop insurance indemnity.
- Losses with NAP coverage that did not trigger a NAP payment.
- Uncovered Losses (Uninsured Losses)
- Includes losses that were not insured through federal crop insurance or NAP.
- Quality Losses
- Includes quality losses to commodities indicated by:
- A decrease in value based on discounts due to the physical condition of the crop supported by applicable grading factors
- A decline in the nutritional value of forage crops supported by documented forage tests.
- Producers will certify to an SDRP quality loss percentage.
FSA is establishing block grants with Connecticut, Hawaii, Maine, and Massachusetts that cover crop losses; therefore, producers with losses on land physically located in these states are not eligible for SDRP program payments. For information on program eligibility and to download an application checklist, visit fsa.usda.gov/sdrp. More information will be provided in early 2026 regarding a separate enrollment period for quality losses covered by SDRP Stage One as well as for insured producers in Puerto Rico who were not included in Stage One because data was not available when pre-filled applications were mailed. Milk and On-Farm Stored Crop Loss Assistance The Milk Loss Program provides up to $1.65 million in payments to eligible dairy operations for milk that was dumped or removed without compensation from the commercial milk market because of a qualifying natural disaster event in 2023 and/or 2024. Producers who suffered losses of eligible harvested commodities while stored in on-farm structures in 2023 and/or 2024 due to a qualifying natural disaster event may be eligible for assistance through the On-Farm Stored Commodity Loss Program, which provides for up to $5 million to impacted producers. The deadline to apply for milk and on-farm stored commodity losses is Jan. 23, 2026. Information and reference resources for both programs are available online at Information and fact sheets for both programs are available online at fsa.usda.gov/mlp for milk loss and fsa.usda.gov/ofsclp for on-farm stored commodity losses. To make an appointment to apply, call the Rusk/Sawyer County FSA Office at 715-532-3786. Top of page FSA and NRCS program applicants for benefits are required to submit a completed CCC-902 Farming Operation Plan and CCC-941 Average Gross Income (AGI) Certification and Consent to Disclosure of Tax Information for FSA to determine the applicant's payment eligibility and establish the maximum payment limitation applicable to the program applicant. Participants are not required to annually submit new CCC-902s for payment eligibility and payment limitation purposes unless a change in the farming operation occurs that may affect the previous determination of record. A valid CCC-902 filed by the participant is considered to be a continuous certification used for all payment eligibility and payment limitation determinations applicable for the program benefits requested. Participants are responsible for ensuring that all CCC-902 and CCC-941 and related forms on file in the county office are updated, current, and correct. Participants are required to timely notify the county office of any changes in the farming operation that may affect the previous determination of record by filing a new or updated CCC-902 as applicable. Changes that may require a new determination include, but are not limited to, a change of: - Shares of a contract, which may reflect:
- A land lease from cash rent to share rent
- A land lease from share rent to cash rent (subject to the cash rent tenant rule
- A modification of a variable/fixed bushel-rent arrangement
- The size of the producer's farming operation by the addition or reduction of cropland that may affect the application of a cropland factor
- The structure of the farming operation, including any change to a member's share
- The contribution of farm inputs of capital, land, equipment, active personal labor, and/or active personal management
- Farming interests not previously disclosed on CCC-902 including the farming interests of a spouse or minor child
- Certifications of average AGI are required to be filed annually for participation in an annual USDA program. For multi-year conservation contracts and NRCS easements, a certification of AGI must be filed prior to approval of the contract or easement and is applicable for the duration of the contract period.
Participants are encouraged to file or review these forms within the deadlines established for each applicable program for which program benefits are being requested. Payment Limitation Program payments may be limited by direct attribution to individuals or entities. A legal entity is defined as an entity created under Federal or State law that owns land or an agricultural commodity, product or livestock. Through direct attribution, payment limitation is based on the total payments received by a person or legal entity, both directly and indirectly. Payments and benefits under certain FSA programs are subject to some or all of the following: - payment limitation by direct attribution (including common attribution)
- payment limitation amounts for the applicable programs
- substantive change requirements when a farming operation adds persons, resulting in an increase in persons to which payment limitation applies
- actively engaged in farming requirements
- cash-rent tenant rule
- foreign person rule
- average AGI limitations
- programs subject to AGI limitation
No program benefits subject to payment eligibility and limitation will be provided until all required forms for the specific situation are provided and necessary payment eligibility and payment limitation determinations are made. Payment eligibility and payment limitation determinations may be initiated by the County Committee or requested by the producer. Statutory and Regulatory rules require persons and legal entities, provide the names and Tax Identification Numbers (TINs) for all persons and legal entities with an ownership interest in the farming operation to be eligible for payment. Payment eligibility and payment limitation forms submitted by persons and legal entities are subject to spot check through FSA's end-of-year review process. Persons or legal entities selected for end-of-year review must provide the County Committee with operating loan documents, income and expense ledgers, canceled checks for all expenditures, lease and purchase agreements, sales contracts, property tax statements, equipment listings, lease agreements, purchase contracts, documentation of who provided actual labor and management, employee time sheets or books, crop sales documents, warehouse ledgers, gin ledgers, corporate or entity papers, etc. A finding that a person or legal entity is not actively engaged in farming results in the person or legal entity being ineligible for any payment or benefit subject to the actively engaged in farming rules. Noncompliance with AGI provisions, either by exceeding the applicable limitation or failure to submit a certification and consent for disclosure statement, will result in payment ineligibility for all program benefits subject to AGI provisions. Program payments are reduced in an amount that is commensurate with the direct and indirect interest held by an ineligible person or legal entity in any legal entity, general partnership, or joint operation that receives benefits subject to the average AGI limitations. If any changes occur that could affect an actively engaged in farming, cash-rent tenant, foreign person, or average Adjusted Gross Income (AGI) determination, producers must timely notify the Rusk/Sawyer County FSA Office by filing revised farm operating plans and/or supporting documentation, as applicable. Failure to timely notify the County Office may adversely affect payment eligibility. Top of page The U.S. Department of Agriculture (USDA) Farm Service Agency (FSA) reminds foreign investors with an interest in agricultural land in the United States that they are required to report their land holdings and transactions to USDA. The Agricultural Foreign Investment Disclosure Act (AFIDA) requires foreign investors who buy, sell or hold an interest in U.S. agricultural land to report their holdings and transactions to the USDA. Foreign investors must file AFIDA Report Form FSA-153 with the FSA county office in the county where the land is located. Large or complex filings may be handled by AFIDA headquarters staff in Washington, D.C. According to CFR Title 7 Part 781, any foreign person who holds an interest in U.S. agricultural land is required to report their holdings no later than 90 days after the date of the transaction. Foreign investors should report holdings of agricultural land totaling 10 acres or more used for farming, ranching or timber production, and leaseholds on agricultural land of 10 or more years. Tracts totaling 10 acres or less in the aggregate, and which produce annual gross receipts in excess of $1,000 from the sale of farm, ranch, forestry or timber products, must also be reported. AFIDA reports are also required when there are changes in land use, such as from agricultural to nonagricultural use. Foreign investors must also file a report when there is a change in the status of ownership. The information from AFIDA reports is used to prepare an annual report to Congress. These annual reports to Congress, as well as more information, are available on the FSA AFIDA webpage. Assistance in completing the FSA-153 report may be obtained from the local FSA office. For more information regarding AFIDA or FSA programs, contact the Rusk/Sawyer County FSA office at 715-532-3786 or visit farmers.gov. Top of page The Farm Loan team in Rusk/Sawyer County is already working on operating loans for spring 2026 and asks potential borrowers to submit their requests early so they can be timely processed. The farm loan team can help determine which loan programs are best for applicants. FSA offers a wide range of low-interest loans that can meet the financial needs of any farm operation for just about any purpose. The traditional farm operating and farm ownership loans can help large and small farm operations take advantage of early purchasing discounts for spring inputs as well expenses throughout the year. Microloans are a simplified loan program that will provide up to $50,000 for both Farm Ownership and Operating Microloans to eligible applicants. These loans, targeted for smaller and non-traditional operations, can be used for operating expenses, starting a new operation, purchasing equipment, and other needs associated with a farming operation. Loans to beginning farmers and members of underserved groups are a priority. Other types of loans available include: Marketing Assistance Loans allow producers to use eligible commodities as loan collateral and obtain a 9-month loan while the crop is in storage. These loans provide cash flow to the producer and allow them to market the crop when prices may be more advantageous. Farm Storage Facility Loans can be used to build permanent structures used to store eligible commodities, for storage and handling trucks, or portable or permanent handling equipment. A variety of structures are eligible under this loan, including bunker silos, grain bins, hay storage structures, and refrigerated structures for vegetables and fruit. A producer may borrow up to $500,000 per loan. Top of page The U.S. Department of Agriculture's (USDA) Risk Management Agency (RMA) approved changes to improve insurance coverage for American livestock producers. These updates will take effect for the Livestock Risk Protection (LRP), Livestock Gross Margin (LGM), and Dairy Revenue Protection (DRP) insurance programs beginning with the 2026 crop year. Livestock Risk Protection LRP provides protection for livestock producers looking to insure against declining market prices. This program offers coverage levels ranging from 70% to 100% of the "expected ending values" (expected price at the end of the insurance period). The changes to LRP include: - Modifying the termination date to Sept. 30 and the premium billing date to the first day of the second month after the end date of endorsement.
- Adding two new types of LRP coverage:
- Feeder Cattle - Unborn Calves will provide coverage for beef or beef/dairy cross calves sold within two weeks after birth.
- Fed Cattle - Cull Cows will provide coverage for dairy cull cows with a coverage limitation of 13 weeks.
- Allowing coverage based on a forward contract or purchase agreement.
- Additional record requirement includes a copy of the purchase agreement and proof of delivery.
- Adding drought exemption for Feeder Cattle that will be based on the Drought Monitor's Drought Severity and Coverage Index (DSCI).
- Adding additional record requirements for Feeder Cattle:
- Applicable when livestock are purchased and not marketed within 60 days of the end date.
- The sex of the feeder cattle must be verified in the marketing or purchase records.
Livestock Gross Margin LGM provides protection to cattle, dairy and swine producers against unexpected decreases in gross margin (market value of livestock or milk minus input costs). The program calculates the expected gross margin for a period using future market prices and pays an indemnity to the extent that the actual gross margin is less than the expected gross margin. The changes to LGM include: - Modifying the termination date to Aug. 31 and the premium billing date to the first day of the second month after the Specific Coverage Endorsement ended.
Dairy Revenue Protection For dairy producers, DRP provides protection against a decline in revenue (yield and/or price) on the milk produced from dairy cows on a quarterly basis. The expected revenue is based on futures prices for milk and dairy commodities, and the amount of covered milk production elected by the dairy producer. The changes to DRP include: - Modifying the DRP termination date to Jan. 31 and the premium billing date to the first day of the third month after the end date of endorsement.
- Modifying the program to give additional flexibilities to producers impacted by an animal disease when they have suffered an eligible loss.
- RMA is increasing the minimum declarable butterfat test to 4.00 pounds, increasing maximum declarable butterfat test to 6.00 pounds and increasing minimum declarable protein test to 3.20 pounds.
More Information LRP, LGM and DRP are available to livestock producers in all states and counties. Crop insurance is sold and delivered solely through private crop insurance agents. A list of crop insurance agents is available online at the RMA Agent Locator. Producers can learn more about crop insurance and the modern farm safety net at rma.usda.gov or by contacting their RMA Regional Office. RMA's Basics for Beginners provides information for those new to crop insurance. Top of page Rusk/Sawyer County USDA Service Center 1120 Lake Avenue West
Ladysmith, WI 54848-1002 Phone: 715-532-3786
Fax: 855-758-0735 (FSA)
Email: fsa.ladysmith@usda.gov | | Wisconsin FSA Public Site
Wisconsin NRCS Public Site
Wisconsin RMA Public Site | | County Executive Director
Sarah MacDonald
715-537-5645 ext. 112
sarah.macdonald@usda.gov Farm Loan Manager
Amy Mason
715-723-8556 ext. 3469
amy.mason@usda.gov Loan Analyst
Tammy Zimmer Loan Officer
Laura Peetz County Committee Members
Michael Quade, Chairperson
David Trott, Vice Chairperson
Scott Pasanen, Member
Eric Hillan, Member
George Dantzman, Member
Amanda Nicholson, Advisor | Acting District Conservationist
Amanda Peters
715-462-6014
amanda.peters2@usda.gov Risk Management Agency
RMS St. Paul Regional Office
30 Seventh Street East, Suite 1890
St. Paul, MN 55101-4901
651-290-3304
rsomn@usda.gov | | | | 
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