Oakview Insurance Services insures farms, ranches, and agribusinesses in Biggs, CA (zip code 95917) and the rice country around it in Butte County. Mariah Davis founded Oakview in her hometown of Yuba City in 2010. Today our team of 20 dedicated insurance professionals works with growers whose operations run from flooded rice checks to orchards, dryers, hullers, and dehydrators. We have access to more than 100 A-rated carriers, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. AFIS-certified and Nationwide Farm Certified agents are on staff, Oakview is a member of the Butte County Farm Bureau, and our clients have given us 850+ five-star Google reviews. Request a quote or call us at (530) 674-5054.
Why Biggs Growers Choose Oakview
Biggs farm families and ag businesses tend to come to us for a few reasons:
- AFIS-certified and Nationwide Farm Certified agents who work rice, orchard, and processing accounts
- Membership in the Butte County Farm Bureau
- Coverage built around dryers, hullers, dehydrators, and equipment that moves between parcels at harvest
- 850+ five-star Google reviews, and voted Best Agent, Best Agency, and Best Customer Service multiple years
- Bilingual service in English and Spanish for owners, managers, and crews. Hablamos español.
- A dedicated advisor who knows your operation, not a call center. Meet our team.
Biggs and Butte County Agriculture
Biggs sits in the Sacramento Valley rice belt, and the fields around town are some of the most intensively farmed ground in Butte County. Rice has shaped this community for generations. So has the infrastructure behind it: water delivery, seasonal labor, and the drying and storage facilities that handle the crop after harvest. Each of those carries its own insurance exposure, and a standard farm policy rarely addresses all of them.
Butte County’s 2025 Crop and Livestock Report put gross agricultural value at $702.7 million, up from about $589 million in 2024. Walnuts led at $178 million. Rice was second at $164 million, helped by roughly 27,000 more planted acres than the year before, and almonds followed at $144.7 million.
Rice is only part of the picture around Biggs. Growers here also run almond and walnut orchards, prune and peach operations, and alfalfa hay tied to local cattle ranching. Many farm several parcels, lean on leased or custom-harvested equipment, and hire seasonal crews, which means coverage has to be coordinated across locations, machinery, and payroll.
Feather River Flood Exposure and Rebuild Costs
The Feather River runs east of Biggs, and low-lying farm ground in the area can flood in wet years. Standard farm property policies generally exclude flood, so protection usually means a separate flood policy through the National Flood Insurance Program or a private flood carrier for eligible buildings and contents. When we review a Biggs operation, we look at where the dwellings, shops, dryers, stored product, and irrigation pumps sit, and what flood coverage is available for each.
Fire matters here too, even on the valley floor. Butte County’s wildfire history, including the 2018 Camp Fire, has affected insurer appetite and replacement costs for farm structures and equipment across the county, Biggs included. We check that your limits match what it would cost to rebuild a shop, barn, or dryer today, not what it cost when the policy was first written.
Crops and Operations We Insure Around Biggs
We currently insure producers and ag operations in the Biggs area involved in:
- Rice, from field operations through drying and storage
- Almonds and walnuts
- Prunes, peaches, and other stone fruit
- Alfalfa hay
- Cattle and livestock
- Custom harvesters and ag service contractors
For more on coverage for the county’s largest crops, see our rice farm insurance, almond farm insurance, and walnut farm insurance pages.
Farm Coverage for Biggs Operations
Most Biggs programs combine several of the coverages below. We build the program around how your operation actually runs, then check it again as acreage, equipment, and crews change.
Farm Property and Structures
- Farm dwellings, rental homes, and farm labor housing
- Barns, shops, equipment sheds, and storage buildings
- Rice dryers, bins, and grain storage
- Prune dehydrators and dried fruit structures
- Irrigation pumps, wells, and water delivery infrastructure
Farm and Agribusiness Liability
- Premises and operations liability
- Products and completed operations for processors and packers
- Landowner and leased land liability
- Custom farming and equipment on the road during harvest
- Commercial and farm umbrella coverage
Agricultural Equipment and Machinery
- Tractors, harvesters, sprayers, and orchard equipment
- Scheduled and blanket farm machinery coverage
- Equipment breakdown for hullers, dryers, and dehydrators
- Theft, fire, collision, and transit coverage
Workers Compensation for Agricultural Operations
- Seasonal and year-round agricultural labor
- H-2A and piece-rate classification support
- Experience mod reviews and claims advocacy
Specialty and Supplemental Coverage
- Separate flood insurance for eligible farm buildings and contents on low-lying ground
- Irrigation equipment and infrastructure
- Leased acreage and custom-harvested machinery
- Agricultural pollution liability
For an overview of all our farm and agribusiness programs, visit our farm and agriculture insurance page.
Rice Dryers, Hullers, and Dehydrators
Processing changes the risk. A rice dryer, an almond or walnut huller, or a prune dehydrator adds equipment breakdown, stored product, business income, and products liability exposures that an orchard or row crop policy was never written to handle. Fire risk at these facilities is also different from the field.
For Biggs-area operations that dry, store, hull, or dehydrate, we coordinate property, equipment breakdown, stock coverage for stored grain and nuts, business income, and processing liability with farm-specialized carriers. Depending on the carrier and the operation, that can be one package or several policies built to work together. If your dryer or huller holds crops that belong to other growers, that product needs its own coverage, usually bailee or customers’ goods coverage.
Why an Independent Farm Broker Matters in Butte County
A captive agent represents one company. If that company does not like rice dryers, flood-prone ground, or a large seasonal payroll, the conversation ends there. As an independent broker, Oakview works with farm and agribusiness markets including Nationwide Agribusiness, Travelers Agribusiness, Liberty Mutual, Zenith Agribusiness, Chubb Agribusiness, Granwest, Philadelphia Insurance, and Capital Insurance Group (CIG), and we recommend the carrier that fits the operation.
Switching starts with a side-by-side review of your current program. Depending on carrier requirements and our appointments, we can often keep your existing policies and take over service as your agency. We check coverage terms, effective dates, and carrier procedures before changing anything, with the goal of keeping coverage continuous. If we find gaps or better options, we lay them out before acting, with no pressure and no obligation.
What Our Farm Clients Are Saying
Oakview has earned 850+ five-star Google reviews from farm families, agribusiness owners, homeowners, and businesses across the Sacramento Valley. Clients mention the same things again and again: advisors who learn the operation, shop the market honestly, and pick up the phone when something goes wrong.
Read what our clients say on Google.
Frequently Asked Questions: Biggs Farm Insurance
Do you specialize in farm and agriculture insurance in Biggs?
Yes. Farm and agribusiness insurance is a core focus of our agency. We have AFIS-certified and Nationwide Farm Certified agents on staff, and we work with Biggs growers, ranchers, and ag operations of all sizes throughout Butte County.
Does a rice dryer in Biggs need separate insurance from the farm?
Not always. Depending on the carrier and how the dryer operates, it may fit within a farm or agribusiness program or need its own commercial policy. Either way, we review property, equipment breakdown, stored grain, liability, and business income together for Biggs-area rice operations.
Does farm insurance cover flooding in Biggs?
Standard farm property policies generally exclude flood. Separate flood insurance may be available for eligible farm buildings and contents through the National Flood Insurance Program or a private flood carrier. Coverage for equipment, stored crops, and irrigation infrastructure varies, so we review each Biggs property individually, especially low-lying ground east toward the Feather River.
Can you insure almond and walnut huller operations in Butte County?
Yes. We structure equipment breakdown, business income, products liability, and property coverage for processing facilities throughout Butte County, including hullers tied to almond and walnut orchards around Biggs.
Does Butte County’s wildfire history affect farm coverage in Biggs?
It can, even on the valley floor. Since the 2018 Camp Fire, insurer appetite and replacement costs for farm structures and equipment have shifted across Butte County, Biggs included. We review whether your limits match what it would cost to rebuild a shop, barn, or dryer today.
Can you coordinate farm, business, and personal insurance for a Biggs operation?
Yes. Many Biggs clients prefer one advisor to coordinate farm, business, and personal insurance so the policies work together and gaps are less likely as the operation grows or changes.
How does switching to Oakview work for a Biggs farm that already has a policy?
We start with a side-by-side review of your current program. Depending on carrier requirements and our appointments, we can often keep your existing policies and take over service as your agency, with the goal of keeping coverage continuous. If we find gaps or improvements, we present them clearly before acting. There is no pressure and no obligation.
Which farm insurance carriers does Oakview work with for Biggs operations?
As an independent broker, Oakview has access to more than 100 A-rated carriers, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. Farm markets include Nationwide Agribusiness, Travelers Agribusiness, Liberty Mutual, Zenith Agribusiness, Chubb Agribusiness, Granwest, Philadelphia Insurance, and Capital Insurance Group (CIG).
How do I get started with farm insurance in Biggs, CA?
Call our office at (530) 674-5054 or request a quote online. We will learn about your operation and recommend coverage built around how you actually farm.
Serving Biggs and Surrounding Farm Communities
Oakview serves Biggs (zip code 95917) and nearby farming communities including Gridley, Richvale, Durham, Oroville, Chico, and rural Butte County.
Nearby Oakview farm pages: Gridley, Richvale, Durham
For home, auto, and business coverage, see our Gridley insurance page. For local farm resources, visit the Butte County Farm Bureau.
Farming low ground near the Feather River and not sure whether you have any flood coverage at all? Running a rice dryer or huller on a policy written for an orchard? Moving equipment between leased parcels at harvest, or adding seasonal crews this year? Those are the questions Biggs growers bring to us. Call us at (530) 674-5054 or use the button below to start your quote.