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Rainfall Protection
Drought is inevitable in our area. Let us help select an area-risk policy that manages the financial burden the lack of rainfall causes
Pasture, Rangeland and Forage (PRF): PRF is designed to provide insurance coverage on pasture, rangeland, or forage acres. This risk management tool is designed to insure against a decline in an index value that is based on the long-term, historical, average precipitation for the same area of land for the same period of time. The program utilizes a rainfall index to determine precipitation for coverage purposes. It was designed to help protect a producer's operation from the risks of forage loss due to the lack of precipitation. Coverage is based on a producer's selection of coverage level, index intervals, and productivity factor. The index interval represents a two-month period and a minimum of two intervals must be selected. Producers need to make several choices when insuring their grazing or hay production, including coverage level, index intervals, irrigated practice, productivity factor, and number of acres. The Rainfall Index uses NOAA data, which utilizes a grid system to determine precipitation amounts within an area.
Annual Forage (ANF): ANF is a Rainfall Index insurance policy that provides coverage on any annually planted crop used for forage or fodder by livestock. This pilot program is designed to protect against a single peril, lack of precipitation. Annual Forage has twelve growing seasons. At least two to three different intervals need to be selected for Annual Forage coverage depending on the state. The months within the intervals cannot overlap. Available on red top cane, triticale, wheat, barley, rye, oats, millet, hay grazer, and corn for silage.
- Dual-Use Option - The 2018 Farm Bill allowed Annual Forage producers to purchase two different insurance policies for crops that can be grazed and mechanically harvested on the same acres during the same growing season in certain counties. Producers who grow a small grain to both graze and harvest for grain in the covered counties during Growing Season 1-4 may be eligible for the dual-use option.