Insure Your Operation With Rainfall Protection Through PRF

Apply by December 1 to protect your investment from a lack of precipitation.

Pasture, Rangeland, & Forage Insurance From FBN®

PRF insurance, a federally-reinsured livestock product, provides essential protection against a decline in precipitation for grazing and haying.

FBN Insurance has developed proprietary software to support producers in making informed PRF insurance coverage decisions. This innovative PRF Insurance coverage decision-making software is designed to determine the optimal coverage for your specific needs, including:

  • Coverage level

  • Productivity factor

  • Index intervals

When securing PRF coverage from FBN Insurance, you gain access to expert insurance agents who work closely with you to determine your specific needs. Alongside our expert agents, customers also have access to our powerful PRF tool, giving you the ultimate authority to establish a baseline and customize coverage parameters according to your risk tolerance, desired premium and specific coverage needs for your operation. 

This empowers livestock producers to remain in complete control of their risk management strategy, protecting your operation with precision and confidence.


Meet the FBN Insurance Team

With a Farmers First® mindset at the forefront of every policy they design, FBN Insurance agents don’t just help producers develop their PRF coverage. They can even go beyond outlining a single element of an insurance policy to strategize an all-encompassing risk management approach customized to your individual ag operation. 

Plus, most FBN Insurance agents are livestock producers themselves. When partnering with FBN customers, agents combine their deep insurance expertise with this hands-on knowledge of the challenges associated with running a livestock operation to design a customized risk management plan that works for producers’ unique needs.


What Is PRF Insurance?

PRF coverage protects a haying and/or grazing operation in the event of dry weather. Landlords, tenants, and owner/operators in the contiguous 48 United States can purchase coverage for the acres used. A producer must buy coverage by December 1 for coverage the following year (January – December). Coverage is established in 2-month intervals.

The PRF Insurance program is sold by private insurance agents and coverage is guaranteed by private insurance companies and the USDA. The USDA also provides premium assistance by covering between 51% and 59% of the premium costs, based on the producer’s selected coverage level. 

PRF is an area insurance plan and does not measure, capture, or use any actual crop production, so there is no loss adjustment to determine the final indemnity.

How Does PRF Insurance Work?

The program uses historical weather data collected by the National Oceanic and Atmospheric Administration (NOAA) to determine rainfall levels for the various 2-month index intervals. A producer selects which 2-month intervals during the year require the most protection against lack of rainfall, covering either all or just a portion of their acreage to allow for increased insurance flexibility. When the final grid index falls below the insured’s coverage level, an indemnity is triggered for the 2-month index interval.

PRF insurance coverage is based on rainfall rather than yields to more accurately measure forage production and different management practices that affect forage production and yield. Because there is a high correlation between rainfall and forage production, indemnity payments to producers would offset the cost of purchasing replacement feed.


Connect with a Livestock Insurance Agent

Connect with a Livestock Insurance Agent

Complete the form below to speak with an FBN representative about PRF coverage today, or call  (866) 878-7133

Strategically Manage Risk with FBN Insurance

Supported by a Farmers First® approach to everything we do, FBN Insurance offers a variety of coverage options to support you as you maintain and scale your ag operation. In addition to livestock risk protection, FBN Insurance also offers: