Pasture, Rangeland & Forage Protection (PRF) covers farmers and ranchers against losses of forage used for haying or grazing to feed livestock.
Crop conditions and potential losses are based on rainfall and vegetation indices within specified grid areas rather than on individual farms. It’s intended for producers whose crop is produced on acreage that tends to follow the average vegetation growth patterns for the grid.
Here’s how it works:
The Rainfall Index is based on National Oceanic and Atmospheric Administration data and uses an approximate 12 X 12 mile grid.
The Vegetation Index uses the Normalized Difference Vegetation Index (NDVI) data from the U.S. Geological Survey Earth Resources Observation and Science center and uses an approximate 4.8 x 4.8 mile grid.
Insurance payments for losses are calculated based on the deviation from normal precipitation or vegetation with the grid.