pasture, rangeland, forage

Crop insurance that covers perennial forages and grazing land used to feed livestock.


How it Works

  • Pasture, Rangeland, Forage (PRF) is an area-based insurance program that protects against yield losses caused by low precipitation relative to a historic average on forage produced for grazing or harvesting hay. Claims are based on roughly 17x17-mile grids and a Rainfall Index.
  • Producers make several choices, including coverage level, index intervals, irrigated practice, productivity factor and number of acres.

Rainfall Index

  • Coverage is based on rainfall in a defined grid. Because the index is based on rainfall data from the National Oceanic and Atmospheric Administration Climate Prediction Center and not on individual production, you may have poor production on a grid and still not receive an indemnity or vice versa.
  • You must select at least two, 2-month periods (index intervals) during which precipitation is important to your operation.

Productivity Factor

  • You can establish a value between 60% and 150% of the county base value and match the amount of your protection to the value of forage that best represents your specific grazing or hay operation.

Coverage Level

  • You can select a coverage level between 70% and 90% in 5% increments. This will be considered the trigger level to determine whether an indemnity is payable. An indemnity will be payable when the interval index falls below the trigger value.


  • In 2016, RMA began offering coverage in some states for irrigated hay to cover above-normal irrigation costs due to precipitation shortfalls.


  • RMA determines a grazing value based on stocking rates, available forage and the value of the forage in the area. It employs Animal Unit Month data for each state and county to determine the “yield” for grazed acreage and hay prices to determine current value.

RMA PRF Support Tools


  • The annual sign-up deadline for PRF is December 1.

Available to all qualifying producers regardless of race, color, national origin, gender, religion, age, disability, political beliefs, sexual orientation, and marital or family status.

Are you covered?

We know crop insurance decisions can feel complicated. Our insurance officers have access to a tool that analyzes your numbers and local data to help you make the best decisions to meet your goals. Get started by completing the inquiry form and we’ll find a time that is convenient for you to meet with us.

Complete the inquiry form and a member of our team will contact you within one business day.


"With crop insurance, it's really about the personal relationship. They want input from us as much as we want input from them."


Grain producer, Kansas


Why Work With Us For Crop Insurance?

Dedicated Specialists

Our agents are non-commissioned and focus 100% of their time on crop insurance and livestock insurance — every working day of every week in the year. They don’t sell property, casualty or life insurance.

Highly Trained

Our insurance officers receive annual training on RMA changes to crop insurance and livestock insurance plans and stay informed throughout the year.

Financial Expertise

As a lender, we understand financial risk and work to protect your working capital, not just your crop or livestock.

Decision-Making Tools

Our proprietary Optimum tool analyzes federal and private insurance policies to find the best choice whatever your risk management goal.

Trigger Yield Calculator

Trigger yields assist producers with crop insurance and risk management decisions. Understanding what will trigger loss payments is an important part of choosing the correct level of crop insurance coverage.

The results provided by this tool are for estimation purposes only; actual loss triggers may vary. Contact your Frontier Farm Credit insurance officer for more information.


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