pasture and hayland

Pasture and Hayland Coverage Services at Foothills Insurance

Protect your farm  and build long term financial stability with Pasture and Hayland Coverage through Foothills Insurance. Our team helps growers use data driven strategies to turn rainfall risk into a reliable financial tool. Call 1-800-660-8670 or contact us today to learn more and schedule a consultation. 

What Is Pasture and Hayland Coverage?

Pasture and Hayland Coverage, also known as Pasture, Rangeland, and Forage Rainfall Index (PRF), is a federally supported program designed to protect against below average rainfall. Coverage is based on rainfall data rather than individual production losses. If your area receives less than 90% of its expected rainfall during selected 2 month intervals, a payment may be triggered. This coverage is best viewed as a long term risk management and investment tool rather than traditional drought insurance.

Benefits of Pasture and Hayland Coverage

  • Long Term Return Potential: Over 5 to 10  years, PRF historically pays 2 to 3 times the amount of premium paid, making it a strong long term planning tool.

  • Flexible Coverage Design: You choose how many acres to insure, how much coverage to carry, and which 2 month intervals to protect based on your operation’s needs.

  • Low Cost Protection: Premiums are typically around $4 per acre for pasture and $15 per acre for hay land, providing approximately 10 times that amount in coverage.

  • Objective and Transparent Triggers: Rainfall is measured using NOAA Climate Prediction Center data across a standardized 17 mile grid, removing disputes over individual loss measurements.

Why Choose Foothills Insurance?

  • Data Driven Strategy. We analyze historical rainfall data to help you select the intervals most likely to generate payouts over time.

  • Agricultural Risk Expertise. Foothills Insurance specializes in Federal Crop Insurance coverage, giving you guidance grounded in real world agricultural experience.

  • Personalized Service. Every operation is different, and we tailor your PRF policy to match your land, goals, and risk tolerance.

Learn more about how Foothills Insurance can provide peace of mind. Call 1-800-660-8670 or contact us today. 

Services Offered

  • Rainfall Index Analysis: We review historical NOAA rainfall data for your specific grid to identify patterns and volatility. This analysis helps determine which intervals have the highest likelihood of payout.

  • Interval Selection Planning: Our team assists in choosing 2 or more 2 month intervals, often focusing on autumn and winter when rainfall tends to be more erratic.

  • Coverage Level Design: We help determine how many acres to insure and at what coverage level to align with your long term financial strategy.

  • Policy Setup and Enrollment: Foothills Insurance manages the entire enrollment process, ensuring accuracy and compliance with program requirements.

  • Ongoing Policy Review: Each year we reassess your coverage and intervals to keep your strategy aligned with changing conditions and goals.

Are You A Good Candidate for Pasture and Hayland Coverage?

This coverage is ideal for farmers  with pasture or hayland who are interested in leveraging that acreage for long term gains. It works best for operations that can view PRF as a multi year investment rather than emergency drought relief. Producers looking for predictable planning support rather than immediate loss replacement are often the best fit.

Call Foothills Insurance

Take the guesswork out of rainfall risk and start building a smarter long term strategy for your operation. Call 1-800-660-8670 or contact Foothills Insurance today to see if Pasture and Hayland Coverage is right for you.

Frequently Asked Questions About Pasture and Hayland Coverage

  • Payouts are triggered when rainfall in your selected grid falls below 90% of the historical average for the insured interval.

  • Payments are typically issued 2 to 3 months after the insured interval ends.

  • Not always. Because it is index based, PRF may not pay in every drought year, which is why it is best viewed as a long term strategy.

  • Autumn and winter intervals are often recommended due to more variable rainfall, but the best choice depends on historical data for your area.

  • Yes, you can choose how much of your pasture or hay land to insure each year.

  • Rainfall is tracked using NOAA Climate Prediction Center data within a standardized 17 mile square grid.

  • No, it functions more like a long term risk management and investment tool rather than direct loss reimbursement.