Pasture, Rangeland, and
Forage (PRF) Insurance

Your PRF insurance indemnities will hit your mailbox when: 

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• Your PRF insurance premium is paid in full.
• Your insured grid(s) receive less rainfall than your chosen coverage level (70%-90% of the 70-year average) during one of your insured intervals. 

‍Remember: PRF insurance is self-funding. Indemnities are credited to your premium balance first. Once the balance is paid in full, any additional indemnities are issued directly to you.

The Government on PRF insurance is dependent on your chosen coverage level. 

• 90% coverage has a 51% subsidy
• 85% to 80% coverage has a 55% subsidy
• 75% to 70%  coverage has a 59% subsidy
• Your coverage level refers to the percentage of normal rainfall that you’re PRF policy insures.

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The deadline to sign an application for a 2026 PRF insurance policy is December 1, 2025.

The biggest difference between PRF insurance and the FSA programs is that PRF insurance is offered as an insurance product, in which the producer is responsible for a premium. 

The FSA disaster programs are aid programs, in which there is no input from the producer. These programs require the producer to meet certain criteria and fill out the necessary paperwork. After doing so, the producer may or may not receive the needed funds.

It is worth noting that the funds from most FSA offices are often issued after the need arises. Indemnities from PRF insurance are often available about 60-90 days after the interval ends.

You can complete your PRF insurance sign-up and application process in three easy steps. 

• Contact a Redd Summit Agent by submitting this online form, by calling (435) 625-1022
• Complete a 5-minute application
• Lock in your coverage

Pasture, Rangeland, and Forage (PRF) insurance is often informally referred to as rainfall insurance or drought insurance because ranchers utilize the coverage to protect their profits from the impact of below-average rainfall.

PRF insurance is built for the livestock producer, not the landowner. If you own livestock, you can qualify for PRF insurance, whether your insured land is owned or leased.

Hay ground can also qualify for PRF insurance coverage if it is used to harvest forage for livestock – as long as it is not enrolled in a different crop insurance program.

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Your indemnities first go toward your premium. Once your premium is satisfied, any future indemnities come straight to you.

We use our unique technology to analyze 70 years of rainfall data on your land. This, combined with our ranching expertise, allows us to make a custom PRF policy that will benefit you the most.

If you have cattle, you probably qualify for PRF insurance.

Yes, PRF insurance can be used along with FSA assistance programs.

Agents are paid a commission based on the premium of your policy.

Approximately 11x22 mile area used to help identify coverage for PRF purposes. This is what will be considered your “local area” and used for measuring precipitation.

The check that you’ll receive for your indemnity payments come from your insurance provider. However, the money itself comes from the USDA’s subsidy of PRF and is administered by the USDA’s Risk Management Agency (RMA).

PRF insurance can be applied to any acreage that you run on, whether owned or leased.

That is based on your county values assigned by the USDA. It can vary.

Sustainable grazing conditions are conditions where both livestock and wildlife can feed without detriment to habitat and soils. These are conditions where average long term forage volatility is reduced through quality management practices.