When it rains, it pours. Except when it doesn't.....

Droughts can be crippling for livestock and forage producers. They lead to increased feed costs, destocking, depopulating, or other actions. Fortunately, these producers now have an insurance option to help their operations fight back against mother nature. The Pasture, Rangeland, Forage (PRF) Insurance Program is designed to provide insurance coverage on your pasture, rangeland, or forage acres grown for the intended use of grazing by livestock or haying.

Insure up to 90% of normal rainfall on your grazing or hay land.

PRF Grazing

Grazing acres can be both native and improved, but must be 1) grazeable and 2) perennial.

Policies operate on results generated by a Rainfall Index.

Rainfall Index (RI) - is based on weather data collected and maintained by the National Oceanic and Atmospheric Administration Climate Prediction Center (NOAA CPC). The index reflects how much precipitation is received and reported via 3 components:

  1. Grid – Rainfall is reported in a grid that is 0.25 degrees in latitude by 0.25 degrees in longitude, which translates to approximately 17 by 17 miles at the equator. It does not      matter where in the grid your property is located because the entire grid gets the same result. Results are not based off an insured’s personal rain gauge.
  1. Interval – An interval is a 2-month period. You must select between 2 and 6 intervals you want to insure. Intervals cannot share a common month.
  1. % of Historical Average – Rainfall is reported as a percentage of the historical average for specific grid and interval.

Policyholders can select a coverage level from 70 to 90 percent of the historical average rainfall, a productivity factor from 60 to 150 percent of the county value for the crop, and decide which intervals to insure. Insured acres are distributed across the chosen intervals. The producer is insuring a rainfall index that is expected to estimate the value of production with normal precipitation.

We utilize Agency Root software to bring our insureds the most advanced policy integrations available.
Our insureds can track rainfall totals AND see current and estimated payments in real time.



Haying acres can be both native and improved, but must be 1) hayable and 2) perennial.

The value of hay per acre is of course much higher than grazing, however all other aspects of the policy function the same.

Annual Forage

The Annual Forage program provides coverage to acreage that is planted each year (not perennial) to a forage crop that is used as feed and fodder by livestock. This pilot program utilizes the Rainfall Index to report precipitation and functions very similarly to PRF.

Contact Us

101 Industrial Loop, Suite 118 | Hillsboro, TX 76645

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