What is NOT a peril covered by the Common Crop Insurance Policy?

The correct answer is that a hurricane is not a peril covered by the Common Crop Insurance Policy. Within the framework of crop insurance, perils are specific events that can cause damage to crops, and the Common Crop Insurance Policy delineates the specific circumstances it protects against.

Hurricanes, while potentially devastating, are generally not included in standard crop insurance coverage due to the way policies are structured and the emphasis on more common and predictable risks associated with agricultural production, such as droughts, floods, or freezes.

The other options—lightning, wildlife, and frost/freeze—are commonly recognized perils that can affect crop yields and are typically covered under the Common Crop Insurance Policy. Lightning can cause physical damage to crops, wildlife can eat and destroy plants, and frost or freeze can damage crops by affecting their growth stages. Each of these events can lead to significant financial loss for farmers, which is why they are part of the covered perils in these policies.