Pasture, Rangeland, Forage

Product Booklet

The Risk Management Agency (RMA) Pasture, Rangeland, and Forage (PRF) pilot insurance program provides insurance coverage on your pasture, rangeland, or forage acres. This innovative pilot program is based on precipitation and the Rainfall Index. This program allows you to buy insurance protection for losses of forage produced for grazing or harvested for hay, which result in increased costs for feed, destocking, depopulating, or other actions.

PRF is available in the 48 contiguous states with the exception of a few grids that cross international borders.

Rainfall Index
The Rainfall Index is an area-based plan of insurance, and is based on a National Oceanic and Atmospheric Administration Climate Prediction Center (NOAA CPC) interpolated rainfall data set and uses an approximate 17-mile square grid. Producers must select at least two, two-month time periods called index intervals in which precipitation is important for the growth and production of the forage species.

Insurance payments to a producer are calculated based on the deviation from normal precipitation interpolated to the grid and index interval(s) selected.

This insurance coverage is for a single peril — lack of precipitation. It is critical that producers review the historical indices for their grid ID to determine how well the past results correspond to their past observations.

Rainfall Index Intervals
Rainfall Index intervals are periods of time specified in which precipitation data is collected. Index intervals are used to calculate the expected grid index and final grid index, which is designated as a practice in the Special Provisions. The insured must select at least two index intervals during the crop year for each intended use, share, and grid ID. The maximum percent of value allowed in any one index interval by grid ID, intended use, and share is found in the county actuarial, and the minimum percentage of total insured acres allowed in any one index interval by grid ID, intended use, and share is 10%.

An insured may select any index interval provided in the Special Provisions; however, overlapping months are not permitted within a single grid ID, intended use, and share. For example, if an insured selects the index interval which includes the months of April and May, they cannot select any other interval that contains April or May.

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Product Booklet

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Rainfall Index Dates
Sales Closing DateDecember 1
Cancellation DateDecember 1
Contract ChangeAugust 31
Acreage ReportingDecember 1
Premium BillingSeptember 1

Program Dates: There is a $30 administration fee per crop per county.

Review the Pasture, Rangeland, Forage policy on RMA for further information.

Note: If an applicant chooses to insure grazing land or hayland under a PRF plan, they cannot insure the same crop and intended use type under any other FCIC subsidized program.

Insureds are not required to insure all their acres, but cannot exceed the total number of grazing or haying acres they operate.

Additional Information

Coverage Level
The producer may select a coverage level ranging from 70% up to 90% in 5% increments for each county and crop type.

Productivity Factor
The producer is allowed to select a Productivity Factor, from 60% to 150% in 1% increments, for each county and crop type. This factor allows the producer to customize their coverage.

County Base Value Per Acre
The county base value per acre is FCICdetermined production value of the crop in the county as contained in the actuarial documents.

Dollar Amount of Protection Per Acre
(County Base Value per Acre) x (Coverage Level) x (Productivity Factor)
Only one Dollar Amount of Protection per Acre may be selected for each county and crop type.

Grid Id
A specific code associated with each grid contained in the actuarial documents.

Policy Protection Per Unit
(Protection Per Acre) x (Insured Acres) x (% of Value) x (Share for each unit)
The result of multiplying the Dollar Amount of Protection per Acre by the insured acres, multiplied by the percent of value, and then multiplied by the insured's share for each unit. The Policy Protection per Unit is shown on the insured's Summary of Coverage.

The insured acres within a grid ID for each crop, intended use, index interval, and share. If there are multiple grid IDs on a policy, then index values are not added together. Each unit and crop stands on its own.