Pasture, Rangeland, and Forage Insurance For Dry Years
Rainfall Protection For Grazing and Hay
PRF insurance helps livestock producers manage drought risk. If rainfall in your grid falls below long-term averages during insured periods, a payment can help buy feed or offset lost hay production. Bath Insurance Group provides clear guidance on selecting grids and intervals, so your coverage matches how and when your forage grows.
How the Rainfall Index Works
PRF is index based. You insure the grid where your pasture or hay ground sits and choose two month intervals when grass growth matters most, like May June or July August. If measured precipitation is below your selected coverage level for that interval, an indemnity is triggered automatically.
Coverage Levels, Subsidies, and Value
You can insure up to high percentages of expected rainfall and select a value per acre that reflects forage worth in your area. Premiums are partially subsidized, making PRF a cost effective way to maintain cash flow when pastures do not keep up.
Why PRF Matters
Weather can swing from wet springs to hot, dry midsummer. Even a few lean weeks can cut hay yields and stress grazing plans. PRF insurance helps bridge those stretches with timely payments tied to rainfall data, so you can feed through late summer without disrupting your herd or marketing plan.
Key Dates For PRF Enrollment
Enrollment typically closes by November 15 for the following calendar year. We recommend a fall review to set grids, intervals, and values before winter work takes over.
Common Questions About PRF
What land qualifies
Pasture, rangeland, and hay fields used for grazing or haying. Native and improved acres are eligible.
Do I report actual hay yield
No. Payments are based on rainfall data in your grid, not your tonnage.
How often does it pay
Only when rainfall is below average during your insured intervals. Dry years pay more, wet years pay none.
Can I use PRF with other programs
Yes. Many pair PRF with Livestock Risk Protection for a fuller plan.
How do I choose intervals
We look at growth windows and historical weather for your county to weight intervals where rain matters most.
Keep Grass Growing On Paper When Skies Do Not Cooperate
Dry spells happen. Bath Insurance Group will help you set practical PRF coverage so forage plans stay intact when rainfall falls short.
