When the Rain Doesn't Come. PRF Insurance Protects Your Forage.
PRF is a federally subsidized rainfall index insurance program that protects your grazing and haying acres when precipitation drops below normal — helping you cover the cost of replacement feed when Mother Nature falls short.
Drought Doesn't Warn You. PRF Insurance Prepares You.
Pasture, rangeland, and forage cover over 55% of all U.S. land — and rainfall is the single biggest factor determining forage production. When the rain doesn't come, grazing quality drops, hay yields decline, and livestock producers face the expensive choice of buying replacement feed or reducing herd size.
PRF insurance is a USDA Risk Management Agency program that uses a rainfall index to trigger payments when precipitation in your area falls below the historical average. It's designed specifically for livestock producers who depend on forage — and premiums are federally subsidized, making it one of the most affordable risk management tools available to Midwest ranchers and hay producers.
Missouri is a major forage-production state with nearly 7 million acres in permanent pasture and over 3 million acres of hay harvested annually. PRF insurance gives Midwest livestock producers a proven way to offset forage losses caused by low precipitation.
Get a PRF Quote →Does your operation depend on rainfall for forage?
PRF insurance protects your grazing and haying acres when precipitation drops below average — with premiums subsidized by the federal government. Sign-up deadline is December 1.
Get a Free Quote →660-665-1687 · 660-754-1000
PRF Coverage Through Brawner
PRF is an area-based rainfall index insurance program — here's how the key components work together to protect your forage production.
Rainfall Index
PRF uses NOAA Climate Prediction Center data to measure precipitation across approximately 17×17-mile grids. Payments are triggered when the rainfall index in your grid drops below your selected coverage level — not based on your individual production.
Grazing Acreage
For grazing operations, the livestock producer is recognized as having the insurable interest in the forage. Coverage helps offset the cost of replacement feed when low rainfall reduces pasture productivity and stocking capacity.
Haying Acreage
For haying operations, the financial interest in the hay crop is insured similar to other crops. PRF was designed for producers who don't keep detailed hay production records — payments are based on the rainfall index, not actual yield.
Index Intervals
You choose at least two 2-month periods when precipitation is most critical to your operation — like March–April and June–July. Each interval is weighted to reflect when moisture matters most for your forage growth.
Coverage Levels (70–90%)
Select a coverage level from 70% to 90% in 5% increments. This establishes your trigger — the rainfall index must fall below this level for your chosen interval to trigger an indemnity payment. Higher coverage = earlier trigger.
Productivity Factor (60–150%)
Customize your protection level by adjusting the county base value from 60% to 150%. Higher productivity factors increase your per-acre protection — ideal for heavily fertilized or highly productive forage land.
NOAA CPC Grid System
Each grid is approximately 17×17 miles. Your acreage is assigned to one or more grids based on location. Precipitation is interpolated to the grid using nearby reporting stations — it's not measured by a single gauge on your property.
Federal Premium Subsidy
The federal government subsidizes 51%–59% of your PRF premium depending on coverage level selected. At the 70–75% coverage level, you receive a 59% subsidy. At 90%, the subsidy is 51%. This makes PRF one of the most affordable ag risk management tools available.
Let's build your PRF policy.
We help you select the right intervals, coverage level, and productivity factor for your grazing or haying operation.
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