Forage/Rainfall Insurance

Forage and Rainfall Insurance protect different types of forage and/or pasture. Depending on the type of insurance, you may protect for production losses or for lack of rainfall.

Forage Production provides protection for production losses due to adverse weather conditions, fire, wildlife, insects, or disease.

  • Perennial alfalfa, perennial grasses, or a mixture thereof that is planted for harvest
  • Forage is not insurable if grown with a non-forage crop
  • Must have an adequate stand and meet age limitations to qualify
  • Spring-seeded acreage: insurance period begins on May 22nd of the following year (if all requirements are met)
  • Fall-seeded acreage: insurance period begins on October 16th of the following year (if all requirements are met)
  • Must keep track of production (bale counts and bale weights per cutting)
  • CAT Coverage is available (50% Coverage Level, 55% Price Election)
  • Records must be kept daily for forage sold, stored, or fed to livestock
    • Sold production
      • Records include: settlement sheets, certified weight tags, broker sales summaries, and load receipts
      • These records must indicate: buyer’s name, producer’s name, type of forage, tons of forage, and delivery date
    • Stored production
      • Records must be kept on a cutting/type/unit basis and need to include: weight, cutting/harvest date, and number of bales harvested
      • Bale weights must be based on an average of at least two bales per cutting/type/unit and may be weighed at an elevator or verified by a disinterested third party
    • Fed production
      • Only acceptable for the most recent crop year, unless verified by commercial feedlot
      • Feeding records must include: date fed, amount fed, number of livestock, type and weight of livestock, location or pen number of livestock, type of forage feed, and unit or legal description where feed was produced

FCSM provides three types of coverage to protect for a lack of rainfall for a specific area (Grid ID). This is based on the long-term historical average precipitation and is determined by using data from the National Oceanic and Atmospheric Administration (NOAA).

  • Grid IDs are 12 miles long x 12 miles wide
  • Production records are not required
  • County Base Value is set annually by RMA and is used to determine coverage and premium
  • Producer can choose from six – 2 month intervals (must choose at least two intervals) to align with their growing season
  • 70-90% Coverage Levels
  • 60-150% Price Election (also called Productivity Factor)

Pasture, Rangeland, Forage (PRF)

  • Provides protection to perennial crops for a lack of rainfall
  • Available for perennial grazingland or hayland acreage
  • Producer does not have to insure all acreage (they may pick and choose)
  • CAT Coverage is not available

Annual Forage

  • Provides protection to annually planted forages for a lack of rainfall
  • Producer must insure all insurable acreage
  • Producer may choose from two growing seasons (or have both)
    • Growing Season 1 (Fall): annual forage planted July 15 – November 15 (with available Index Intervals from September 1-March 31)
    • Growing Season 2 (Spring): annual forage planted December 15 – July 15 (with available Index Intervals from March 1-September 30)
  • CAT coverage available (65% Coverage Level, 45% Price Election/Productivity Factor)

Apiculture

  • Provides protection to honey bee hives for a lack of rainfall
  • Available for acreage in which hives are located
  • Producer does not have to insure all hives (they may pick and choose)
  • Producer must follow “Good Farming Practices”
  • CAT Coverage is not available
For more information, please refer to our Fall Newsletter.
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