The Pasture, Rangeland and Forage (PRF) policy is an insurance program provided by the federal government and is designed for farmers and ranchers who rely on pasture, rangeland, or forage for hay and/or grazing. It offers coverage for a significant reduction in either the vegetative index or rainfall amount in a given geographic area containing the insured property.

Those seeking coverage may choose to insure grazing land, hay land, or both. Individuals may select a value for their land that is between 60 and 150 percent (protection factor) of the county base value per acre, depending on costs/revenue expectations.

Rainfall Index Program

• Covers decline in precipitation
• Precipitation recorded by NOAA in 2-month interval
• Customer chooses which 2-month intervals to insure
• Precipitation data calculated in approximate 12×12 mile grids

Vegetative Index Program

• Covers a decline in forage growth
• Photosynthetic biomass measured by EROS from satellite imagery
• Data recorded in 8×8 km grids