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Pasture, Rangeland and Forage

Pasture, Rangeland, and Forage (PRF)

For the years that Mother Nature doesn’t provide enough rainfall for your operation. 

What is PRF?

Pasture, Rangeland, and Forage insurance (PRF) is designed to provide coverage on your pasture, rangeland, or forage acres. The program is to help provide protection from increased feed costs due to forage losses.  
 
Utilizing PRF coverage helps manage risk associated with lack of precipitation.  PRF Insurance covers grazing and haying ground with no upfront premiums.
 
PRF Insurance is an area based product, in which a grid system is referenced for your area.  It is not based on the individual producer's experience.  
 
The Rainfall Index (RI) from National Oceanic and Administration Climate Prediction Center (NOAA CPC) is monitored and when precipitation is below the average for covered intervals, claims are automatically triggered and do not require a notice of loss from the producer.  
 
PRF allows producers to  select 2 month index intervals in which precipitation is most critical for their operation.  Coverage levels are selected between 70-90% in 5% increments. 
Productivity factor between 60-150% – but no overlapping or double dipping.

How it helps Ranchers & Growers?

  • Income Stability: Protects against forage loss due to insufficient rainfall.

  • Risk Management: Mitigates the impact of drought and adverse weather.

  • Customizable Coverage: Flexible options to match specific needs.

  • Improved Planning: Enhances financial planning and resource allocation.

  • Efficient and Simple: Index-based approach using NOAA rainfall data; no on-site inspections.

  • Government Subsidies: Affordable premiums due to federal subsidies.

  • Resource Preservation: Supports better pasture and forage management.

  • Sustainable Practices: Encourages sustainable land use during dry periods.

  • Management Flexibility: Informed decisions on livestock and forage without financial pressure.

  • Accessibility: Available across various U.S. regions.

  • Enhanced Resilience: Provides a financial buffer for long-term sustainability.

HOW DOES PRF WORK?

steps in Pasture Rangleand Forage Insurance

PRF SCENARIOS

Pasture Rangeland Forage Insurance 90% coverage
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