Pasture, Rangeland, Forage (PRF) Coverage
Pasture, Rangeland, Forage (PRF) insurance is a unique and essential risk management tool designed for the needs of cattle producers and hay growers. Unlike traditional crop insurance that requires proof of individual yield or revenue loss, PRF uses a localized rainfall index to measure precipitation. It provides a simple, automated way to protect your operation against the significant financial hazards caused by a lack of rain.
The program is flexible enough to cover a wide variety of land types used to sustain livestock, including native rangelands, improved pastures, and acreage specifically dedicated to haying or grazing. By insuring the forage produced on these lands, you gain a vital financial safety net that helps offset the rising costs of supplemental feeding and forage replacement during periods of low rainfall.
Rainfall risk is one of the most challenging variables in American ranching. When the skies stay dry, forage yields drop, forcing operations to buy expensive alternatives or reduce herd sizes. PRF coverage helps bridge this gap, smoothing out your cash flow and providing the financial stability needed to keep your operation productive through dry cycles, securing your ranch's legacy for future generations.
Protect Yield Potential
Safeguard your land's forage yield potential even when nature provides less rainfall than the historical local index.
The Value of PRF
PRF coverage offers a critical safety net for livestock producers, providing financial protection against the volatile nature of seasonal rainfall patterns and forage loss.
Smooth Cash Flow
Offset the high costs of purchasing supplemental feed or hauling water during restricted grazing periods.
Cover Feed Shortfalls
Bridge the critical gap when land productivity drops, ensuring your animals stay fed through dry intervals.
Operational Stability
Gain the stability to maintain herd sizes and management plans regardless of rainfall variability.
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Grid Selection
The process begins by identifying your operation's precise location on the RMA topographic grid system. Each grid is approximately 17x12 miles, ensuring that the rainfall index used for your policy is specific to your local environmental conditions and topography.
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Index Measurement
Rainfall is measured using NOAA Climate Prediction Center data. If the actual precipitation index for your grid falls below your elected trigger level during a chosen interval, a coverage shortfall is triggered relative to the historical rainfall norm for your area.
Setup & Calibration
Producers customize their risk exposure by selecting a coverage level between 70% and 90% of the historical precipitation average. You then distribute your coverage across 2-month index intervals that track your most critical forage growing seasons.
Automatic Indemnity
Indemnities are paid automatically when the precipitation index drops below your trigger. Because PRF is an index-based program, you don't need to report actual forage loss or have an adjuster visit your farm, ensuring rapid cash flow during critical dry periods.
Practical Policy Details
Secure Your Legacy
Protecting your farm's future starts with the right coverage. Start your PRF quote today and ensure your forage and grazing lands are resilient against rainfall uncertainty. Our specialists are ready to help you navigate the unique needs of your operation.