While I said you shouldn’t automatically treat, of the four options I listed earlier, this is the most automatic of any of them. Fungicide in wheat almost always pays because wheat has a dense canopy that traps moisture. Most wheat varieties aren’t great at naturally tolerating diseases while still achieving maximum yields, and fungicide costs have come down in the last few years.
The two big disease issues we usually talk about at heading in wheat are rust and fusarium head blight, or as we often call it, head scab. If all you need to control is rust, even if it’s the extremely damaging stripe rust, old Folicur (tebuconazole) is great. Plus, the generic version costs less than two bucks. If you are worried about fusarium head blight, then go with Prosaro or Miravis Ace.
The keys with any foliar fungicide are to get great spray coverage and to properly time the application. We like seeing wheat just starting to flower when a fungicide is sprayed. We also prefer nozzles that are angled (maybe even in both directions) so the upright head on the wheat plant gets more thoroughly coated, as opposed to when your spray nozzles are only pointed straight down.
Most insecticides cost less than $2 per acre. If you scout before you spray, you will often find enough harmful insects to justify throwing in two bucks’ worth of insecticide. Take a sweep net and sweep back and forth across your crop. Look inside, and ask for help if you can’t identify any of the bugs you find. Also, be sure to check the pre-harvest interval of the insecticide you choose.