Iowa PRF Insurance. Protect Your Pasture & Forage.
PRF is a federally subsidized rainfall index insurance program that protects your Iowa grazing and haying acres when precipitation drops below normal — covering replacement feed costs across all 99 counties.
Iowa Livestock Depends on Rainfall. PRF Insurance Protects You.
Iowa's livestock industry depends heavily on pasture and hay production for feed. When summer rainfall drops below average during critical forage growth months, grazing quality declines, hay yields shrink, and producers face the expensive reality of purchasing replacement feed or reducing herd size.
PRF insurance uses a NOAA rainfall index to trigger payments when precipitation in your Iowa grid falls below the historical average. It's area-based — meaning payments are determined by your grid's precipitation, not individual production records. No claim filing required. Coverage is available in all 99 Iowa counties.
Iowa livestock producers benefit from PRF especially in years when summer rainfall drops below average during critical forage growth months. Whether you run cattle in western Iowa or harvest hay in the southern counties, PRF is designed for your operation.
Get an Iowa PRF Quote →No rain in Iowa? No problem.
PRF insurance pays you when rainfall drops below average in your Iowa grid — protecting your forage investment when Mother Nature falls short. Federally subsidized. Surprisingly affordable.
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 Missouri forage production.
Rainfall Index
PRF uses NOAA Climate Prediction Center data to measure precipitation across approximately 17×17-mile grids covering all 99 Iowa counties. Payments trigger when the rainfall index in your grid drops below your selected coverage level — not based on your individual production.
Grazing Acreage
For Iowa grazing operations — concentrated in southern Iowa — the livestock producer has 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
Iowa hay producers, especially in the southern counties, depend on consistent rainfall. 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 records — payments are index-based.
Index Intervals
Choose at least two 2-month periods when precipitation is most critical to your Iowa operation — like March–April and May–June. Southern Iowa operations often prioritize spring and early summer intervals for 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 interval to trigger an indemnity payment. Higher coverage = earlier trigger.
Productivity Factor (60–150%)
Customize your protection by adjusting the county base value from 60% to 150%. Higher productivity factors increase your per-acre protection — ideal for highly productive Iowa pasture and hay ground.
NOAA CPC Grid System
Each grid is approximately 17×17 miles. Your Iowa 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. At 70–75%, you get a 59% subsidy. At 90%, the subsidy is 51%. This makes PRF one of the most affordable risk management tools for Iowa producers.
Let's build your PRF policy.
We help you select the right intervals, coverage level, and productivity factor for your Iowa grazing or haying operation.
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