Range & Pasture Insurance

Flexible Protection

The Pasture, Rangeland and Forage (PRF) program was developed by RMA to act as a risk management tool for the 588 million acres of pasture and rangeland, and the 61.5 million acres of hayland in the United States. The Rainfall Index program insures against a single peril, lack of precipitation. The Vegetation Index program insures against a reduction in the NDVI Index due to natural occurrences. Both the Rainfall Index and Vegetation Index program are available only in selected states and counties. You may insure some or all of your acres. This allows you to insure only those acres that are important to your grazing program or hay operation.

Peace of Mind

Coverage is offered to landlords and tenants, as well as owner/operators. PRF insurance indemnity payments allow ranchers to use the additional cash flow to buy feed, make their land and lease payments, and even restock their herds once the drought ends. For hay producers, PRF insurance indemnity payments allow for offsetting fertilizer costs and herbicides and/or irrigation expenses during dry growing seasons.

Important Policy Features

  • The PRF insurance program is affordable because RMA subsidizes 51-59% of the premium
  • PRF insurance policies offer much lower deductibles and higher "per acre" coverage than a traditional Noninsured Crop Disaster Assistance Program (NAP) policy.
  • PRF effectively maintains your eligibility for other Farm Service Agency (FSA) assistance programs.

Rainfall Index

The Rainfall Index is based on National Oceanic and Atmospheric Administration (NOAA) data in a 0.25 degree gridded area. Losses are calculated based on the deviation from normal as determined by NOAA. Indices are established on two-month intervals and you mush select at least two time periods in which precipitation is important during the growth and production of the forage crop.

Rainfall Index Intervals


Vegetation Index

The vegetation index uses the Normalized Difference Vegetation Index (NDVI) data from the U.S. Geological Survey Earth Resources Observation and Science data center. The NDVI is a measure of vegetation greenness and correlates to forage condition and productive capacity. The Vegetation Index is established on a grid basis with each grid being 4.8 square miles. Indices are established on three-month intervals, and you must select at least two time periods that best represent the forage production of your operation. The losses calculated using the Vegetation Index are indemnified based on the deviation from normal within the grid and index interval(s) selected.

Vegetation Index Intervals


For more information contact:

Richard Hallock, Licensed Crop & Livestock Insurance Agent in Missouri and Iowa with Farmers Risk Management LLC.

  • Office: 660-425-2261
  • Mobile: 641-442-5222
Farmers Risk Management LLC is an Affiliated Subsidiary of Northern Missouri Bancshares Inc. 

*Policies are underwritten by Hudson Insurance Services and AgriSompo and are not obligations of the Farmers Risk Management Company, Farmers Bank of Northern Missouri or its agents.

*Not available in all counties. Please check with your crop insurance agent for detailed coverage information.

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