Farm & Ranch

PRF INSURANCE

Pasture, Rangeland, and
Forage Insurance (PRF)

A combine harvester working in a wheat field under a cloudy sky with a truck nearby.

Protect Your Forage. Protect Your Operation.

When rainfall falls short, your forage production and grazing capacity drop—often taking your profits with them. Pasture, Rangeland, and Forage (PRF) Insurance helps protect your operation from the financial impact of below-average rainfall, reduced forage growth, and higher feed costs.

Whether you manage a cow-calf operation, stocker cattle, or hay production, PRF coverage is a valuable risk management tool to help stabilize income when the weather doesn’t cooperate.

How PRF Insurance Works

Golden wheat field on a sunny day with a dirt path running through the middle, green trees in the distance, and a partly cloudy sky.

  • Rainfall-Based Coverage: PRF insurance doesn’t depend on your actual yield. Instead, it uses NOAA rainfall data grids to compare current precipitation to long-term averages in your area.

  • Indemnity Payments: If rainfall in your chosen grid falls below your selected coverage level, you receive a payout (indemnity) to help offset your losses.

  • Coverage Purpose: Designed to help cover feed costs, pasture losses, or reduced hay production caused by lack of rainfall.

  • Eligible Acreage: Applies to private, BLM, and USFS leases, offering flexibility for diverse operations.

  • Helps offset feed and hay costs during dry months

  • Protects against unpredictable rainfall and drought conditions

  • Flexible intervals, months, and coverage levels

  • Federally subsidized to make premiums more affordable

Why Producers Choose
First West Insurance

A vast field of green crops with rows stretching to the horizon, under a partly cloudy blue sky with white streaks of clouds, and trees in the background.

Not all PRF agents structure coverage efficiently—and that can cost you. At First West, we combine experience, data, and precision to help you get the most value from every acre.

Expert Program Utilization - We know how to maximize your coverage structure for optimal returns.

Data-Driven Design - Using 70+ years of historical rainfall data, we tailor coverage to your area’s unique weather patterns.

Proven Tools & Results - Our tools and experience help ensure your PRF policy delivers measurable protection and financial stability.

Many ranchers underestimate how much difference a properly designed PRF policy can make. With our team’s precision-based approach, we’ll help you strengthen your risk management plan and protect your operation when rainfall falls short.

PRF Insurance FAQs

  • December 1st each year.

  • October 1st of the following year (if applicable).

  • Yes. PRF and FSA programs are separate—you can participate in both.

  • No. It’s rainfall index insurance. Drought conditions don’t always trigger a payout unless rainfall levels within your selected grid fall below normal.

  • Rainfall data is tracked and reported by the NOAA Climate Prediction Center (CPC).

When rainfall is unpredictable, your coverage shouldn’t be. Work with First West Insurance, an independent agency that understands how to use PRF the right way.

DON’T LEAVE YOUR OPERATION EXPOSED

CONTACT AN INSURANCE PROFESSIONAL
CONTACT AN INSURANCE PROFESSIONAL