Kansas PRF Insurance. Drought-Prone Land Deserves Protection.
PRF is a federally subsidized rainfall index insurance program that protects your Kansas grazing and haying acres when precipitation drops below normal — critical coverage for one of the most drought-prone regions in the Midwest.
Kansas Is Drought-Prone. PRF Insurance Prepares You.
Kansas ranchers face some of the highest drought risk in the Midwest. From the Flint Hills to western Kansas, pasture and rangeland production depends entirely on precipitation. When the rain doesn't come, feed costs skyrocket and producers face destocking decisions that can take years to recover from.
PRF insurance uses a NOAA rainfall index to trigger payments when precipitation in your Kansas 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 105 Kansas counties.
Kansas ranchers face significant drought risk — especially in western Kansas where annual precipitation can be half of what eastern Kansas receives. PRF gives Kansas livestock producers a proven way to offset forage losses whether you're in the Flint Hills or on the High Plains.
Get a Kansas PRF Quote →No rain in Kansas? No problem.
PRF insurance pays you when rainfall drops below average in your Kansas grid — critical for one of the most drought-prone regions in the Midwest. 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 105 Kansas 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 Kansas grazing operations — from Flint Hills tallgrass to western Kansas shortgrass — the livestock producer has the insurable interest in the forage. Coverage helps offset the cost of replacement feed when low rainfall reduces pasture productivity.
Haying Acreage
Kansas hay operations face significant drought exposure. 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, not yield-based.
Index Intervals
Choose at least two 2-month periods when precipitation is most critical to your Kansas operation — like March–April and May–June. Western Kansas operations may weight summer intervals more heavily due to higher drought risk.
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 — especially important for productive Flint Hills grazing land.
NOAA CPC Grid System
Each grid is approximately 17×17 miles. Your Kansas 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 Kansas ranchers.
Let's build your PRF policy.
We help you select the right intervals, coverage level, and productivity factor for your Kansas grazing or haying operation.
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