Annual Forage & PRF Insurance
Protecting Forage & Grazing Operations
Midwest Ag Professionals works with farmers, ranchers, and property owners across Kansas, Oklahoma, Nebraska, Colorado, Missouri, Arizona, Texas and Wyoming, providing insurance solutions and agricultural services designed to support the needs of each operation.
Protect your forage, pasture, and grazing operation with Annual Forage and Pasture, Rangeland, Forage (PRF) insurance designed for producers across Kansas and surrounding states.
Midwest Ag Professionals offers Annual Forage and PRF insurance to help protect against rainfall shortages and weather-related risk that can impact forage production and grazing conditions.
Solutions Designed for Your Operation
Rainfall Risk Protection
Grazing Coverage Options
Forage Production Support
ANNUAL FORAGE & PRF COVERAGE OPTIONS
Annual Forage Insurance
Annual Forage Insurance is a rainfall-based insurance program designed to help protect producers who rely on annual forage crops for grazing, haying, silage, or feed production. This coverage provides protection against below-normal rainfall that can impact forage growth and production throughout the growing season.
Unlike traditional yield-based crop insurance, Annual Forage Insurance uses rainfall measurements within your area instead of individual farm production records. Coverage is based on grids and rainfall indexes determined by the United States Department of Agriculture and the Risk Management Agency.
Why Annual Forage Insurance Matters
Protection Against Dry Conditions: Helps offset losses when lack of rainfall reduces forage production and grazing opportunities.
Flexible Coverage Options: Producers can select coverage periods that best match their growing season and forage needs.
Works for Many Forage Types: Coverage is available for annual forage crops used for grazing, haying, silage, or feed.
No Production Records Required: Because the policy is based on rainfall indexes, individual yield history is not needed.
Provides Risk Management for Livestock Operations: Helps cattle producers better manage feed and forage risk during unpredictable weather conditions.
Who Annual Forage Insurance Is Best For
Annual Forage Insurance can be a valuable tool for:
Cattle producers relying on annual grazing crops
Producers planting forage sorghum, millet, sudan, or similar forage crops
Operations dependent on hay or silage production
Farmers and ranchers looking for additional drought protection
Producers wanting affordable risk protection without extensive paperwork
Pasture, Rangeland & Forage (PRF) Insurance
Pasture, Rangeland, and Forage (PRF) Insurance is a rainfall-based insurance program designed to help protect livestock producers against the risk of low rainfall and reduced forage production. PRF coverage helps provide financial support when dry conditions impact grazing acres, native pasture, rangeland, or hay ground.
Instead of using individual production records, PRF Insurance is based on rainfall indexes measured within your area. The program compares actual rainfall to historical averages using data provided by the United States Department of Agriculture and the Risk Management Agency.
Why PRF Insurance Matters
Protection Against Drought Conditions: Helps offset the financial impact of below-average rainfall and poor forage growth.
Supports Livestock Operations: Provides added risk protection for producers who depend on grazing acres and hay production.
Flexible Coverage Periods: Producers can choose the coverage intervals that best fit their operation and seasonal forage needs.
No Production History Required: Coverage is based on rainfall data within your grid area — not individual yields or grazing records.
Helps Manage Weather Risk: PRF can provide valuable financial assistance during dry years when feed costs and grazing pressure increase.
Who PRF Insurance Is Best For
PRF Insurance is often a strong fit for:
Cow-calf operations
Ranchers relying on native grass pasture or rangeland
Producers putting up hay for livestock feed
Operations wanting additional drought protection
Farmers and ranchers looking to strengthen their overall risk management plan
Annual Forage vs. PRF Coverage Comparison
Annual Forage and PRF (Pasture, Rangeland, and Forage) are both rainfall-based insurance programs designed to help protect forage and grazing operations from weather-related risk. Because the programs are similar, producers often have questions about which option may be the best fit for their operation.
Midwest Ag Professionals can help explain the differences between the two programs, including eligibility requirements, coverage structure, acreage reporting, planting dates, index intervals, and intended use options.
Choosing the right intervals, coverage levels, and percentages can feel overwhelming, especially for producers new to rainfall insurance programs. Our team works one-on-one with producers to explain coverage options, review historical rainfall data, and help build a strategy tailored to each operation’s forage and livestock needs.
Download the comparison guide below to review the key differences between Annual Forage and PRF coverage and better understand how each program works for different forage and grazing operations.
