Protect Your Livestock Operation: PRF Insurance for Farmers & Ranchers

What is PRF Insurance? 

Pasture, Rangeland, and Forage (PRF) insurance is a federal crop insurance program designed to help livestock producers manage the financial risks of forage losses due to insufficient rainfall. Administered by the USDA Risk Management Agency (RMA), PRF is available across all 48 contiguous states, making it a vital tool for producers facing unpredictable weather. 

How Does PRF Insurance Work? 

• Area-Based Coverage: PRF uses a grid system that relies on NOAA rainfall data. Coverage is based on how much rainfall your grid receives compared to historical averages—not on individual farm production. 

• Rainfall Index: Select at least two critical 2-month periods (index intervals) when rainfall matters most for your operation. If rainfall falls below a set threshold during these intervals, you receive an indemnity payment. 

• Flexible Coverage Levels: Choose coverage levels between 70% and 90%, and set a value based on your county’s base forage value. This flexibility lets you tailor coverage to your specific needs. 

Why Producers Choose PRF 

• Risk Management: PRF helps you manage the financial impact of drought or low rainfall, protecting your bottom line. 

• Income Replacement: If forage losses occur, PRF can help cover increased operational expenses. 

• Wide Accessibility: Available to producers throughout the 48 contiguous states, PRF is a practical solution for diverse livestock operations. 

Key Enrollment Details 

• Annual Deadline: Enroll by December 1 each year to secure coverage for the following year. 

• Smart Selection: Assess your operation’s needs and choose index intervals that align with your forage growth cycles for maximum benefit. 

Ownership & Lease Requirements 

• Owned Land: Be prepared to provide proof of ownership (deed or tax records) if requested. 

• Leased Land: You’ll need a signed lease agreement or a Lease Certification Form for handshake/oral agreements. Compensation for leases can include cash, crop share, labor, services, or other arrangements. 

• Documentation Matters: Failure to provide required documentation or access to records may result in denial of indemnity for the crop year.        

 Producer Tips 

• Review historical rainfall patterns for your grid before selecting index intervals. 

• Consult with your Crop Insurance Specialist to optimize your coverage and ensure compliance with documentation requirements. 

• Plan ahead: Don’t wait until the last minute—start your enrollment process early to avoid missing the December 1 deadline. 

Ready to Protect Your Operation? 

Questions about PRF insurance or ready to enroll? 
Contact your Producer Ag Crop Insurance Specialist today for expert guidance and personalized support.