Annual Forage Insurance
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Annual Forage Insurance provides coverage for forage crops when precipitation during the growing period falls below long-term historical averages.
Coverage is based on the Rainfall Index, which uses NOAA data to compare current precipitation to the 70-year average for a given area.
This policy does not require proof of crop loss or an adjuster visit.
What does Annual Forage Insurance do?
It provides coverage when precipitation during your growing season falls short of the county average. If conditions are dry enough, it can trigger an indemnity.
What crops does Annual Forage Insurance cover?
Annual Forage covers crops grown primarily for grazing, haying, green chop, or silage. That includes things like wheat, millet, rye, oats, and certain cover crops—anything used to support forage for your livestock.
If you're raising cow-calf pairs, running stockers, managing custom grazing operations, or producing forage, Annual Forage Insurance offers the flexibility to help you stay ahead of shifting conditions.
Is Annual Forage Insurance tied to yield?
No, this is not a yield-based policy. Annual Forage Insurance is based strictly on precipitation data for your area. You don’t have to report production, and there’s no claims process. The policy may trigger an indemnity if the rainfall index drops below your selected threshold.
How is Annual Forage coverage structured?
You choose your planting/growing season and the two-month periods within those growing seasons when rainfall matters most for your forage. If precipitation during that window comes in below your selected coverage level (70%-90% of normal), it can trigger an indemnity payment.
How are Annual Forage Insurance payments determined?
The policy uses NOAA data and the Rainfall Index to determine if the precipitation amounts will trigger an indemnity. It’s automatic, with no paperwork or adjusters.
Is there a subsidy for Annual Forage Insurance?
Yes. Just like PRF Insurance, Annual Forage is part of the USDA’s Risk Management Agency programs. Your premium is subsidized depending on your coverage level.
Is Annual Forage Insurance available in my state?
Annual Forage is available in Colorado, Kansas, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, and Texas. Our experts can help confirm if Annual Forage is available in your specific county.
Can I have Annual Forage coverage on acres that I intend on grazing and harvesting in the same crop year?
Yes. If you plan to graze and harvest the same crop in one year, you can use the Annual Forage – Dual Use option. This lets you insure your small grains crop in two ways:
- Annual Forage policy for grazing
- Multi-peril Small Grains policy for grain
The Dual Use option is only available in counties where RMA considers “grain/graze” a recognized farming practice. You can also carry a NAP policy for grazing through the Farm Service Agency (FSA). Since these programs cover different losses at different times, you can keep the benefits from both.
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