sounds sort of like a crop insurance thing to me. in a large fruit growing area this doesnt seem out of the ordinary - though i suspect fruit crop insurance premiums will be cost prohibitive in WY.
we have chosen not to enter into any govt programs/crop insurance - on our small scale it doesnt seem worth the hassle of keeping up with the paperwork (sometimes over a span of a few years) .
along with ones that fit our climate - we planted plants that
should grow in a bit warmer and a bit cooler climate - that is our insurance
http://www.cloud9farms.com/ - Southern Colorado - Zone 5 (-19*f) - 5300ft elevation - 12in rainfall plus irrigation rights
Dairy cows, "hair" sheep, Kune Kune pigs, chickens, guineas and turkeys