This Act is Title I of P.L. 103-354 (October 4, 1994). Beginning with the 1995 crops, it modifies the federal crop insurance programme by authorising a new catastrophic (CAT) coverage level available to farmers. The premium on this level of coverage (crop losses in excess of 50% receiving a payment of 60% of the market price of the insured crop) is 100% subsidised by the government, but requires a farmer to pay a $50 per crop per county administrative fee. The Act allows farmers to purchase additional insurance coverage providing higher yield or price protection levels, with the premium on this buyup coverage partially subsidised by the government. The Act also creates the Noninsured Assistance programme (NAP), a permanent disaster payment programme for crops not covered by crop insurance. The 1994 Act amends and in many cases suppresses major portions of the Federal Crop Insurance Act of 1980 (P.L. 96-365, September 26, 1980) which serves as the authorising statute for the federal crop insurance program. The 1980 Act expanded the scope of the crop insurance programme and permitted USA to subsidise farmer premium payments.