PRF Insurance (California)

PRF Insurance - California

Pasture, Rangeland, & Forage (PRF) Insurance In California

Dry Skies Don’t Have To Steal Your Revenue

Launched in 2007 as a pilot insurance program, the Pasture, Rangeland, and Forage (PRF insurance) program helps producers protect their revenue against dry skies. As any rancher or farmer knows, dry skies mean lost revenue when you make your living by growing crops and raising livestock. At AMS Insurance, we help you create an insurance plan that protects you when there’s no rainfall.

PRF Insurance That Fits Your Needs

Our crop insurance agents work with you to customize premiums and indemnities to fit your production levels and desired percentage of coverage. Indemnity triggers and losses use rainfall data from the National Oceanic and Atmospheric Administration’s Climate Prediction Center. Our goal is for you to get the right insurance coverage for your needs.

Protection From Lack Of Precipitation

We customize your insurance policy to fit your risk management needs. Insurance coverage levels for a producer’s operation can be 70, 75, 80, 85, or 90 percent of the base county value. We help you choose the pasture, rangeland, and forage policy that best fits your needs.

Driven By A Grower Focus

We offer a variety of insurance products, from single peril insurance to whole farm revenue protection. Every crop insurance agent at AMS is passionate about safeguarding each producer’s operation against rainfall indices that are less than expected. Since our beginning, we’ve been helping clients choose PRF insurance policies that provide insurance coverage for their livestock, pasture, and farm.

Common Questions About PRF Insurance In California

We customize premiums and indemnities to fit your coverage and production levels. Loss determinations and indemnity triggers are calculated using the rainfall index model. This rainfall data is collected and maintained by the National Oceanic and Atmospheric Administration’s Climate Prediction Center (NOAA CPC).

Insurance payments are given for two-month periods called index intervals. Those who own livestock, producers, and growers choose specific intervals for their pasture, rangeland, and forage insurance policy.

Using NOAA CPC data, an index value is assigned as the county base value for one or more grids. This depends on whether the insured acreage is located in a single, entire grid or numerous grids. When rainfall is below the trigger grid index, indemnity payments are calculated. Similarly, if the rainfall final grid index falls below the average for that area. Weather data is collected using NOAA CPC data, not from specific weather stations near the insured operations.

Index intervals are two-month time periods during the crop year when rain is most important to your operation. Producers must choose at least two index intervals and decide on the percentage of acreage they’d like to insure within each index interval.

Each index interval must include between 10 percent and 60 percent of the insured acreage. It is not possible to put more than 60 percent into a single index interval. Also, the total percentage of insured acreage in your index intervals must equal 100 percent.


Producers and farmers can obtain crop insurance in California and any other regions throughout the United States. This excludes any grids that cross international borders. Each grid and region has its own set of historical indices. These indices impact the premiums and indemnities for forage insurance, pasture insurance, and rangeland insurance.

Pasture, rangeland, and forage insurance provides producers and farmers with a risk management tool that covers the precipitation needed for pasture, rangeland, and forage.

When choosing an insurance policy, a productivity value is determined for the acreage to be insured. PRF insurance policies refer to the final rainfall grid index as a reference.

The coverage level for a producer’s operation is calculated using weather data collected from the NOAA CPC data. This information is combined a producer’s responses to specific questions about the insured acreage and its grid location. A grid is the physical area where your insured operation is located. If your operation is located in multiple grids, you can insure one or more grids, depending on your goals. If you’re interested in a pasture, rangeland, and forage (PRF) insurance policy, don’t hesitate to reach out to us!

Under a pasture, rangeland, forage (PRF) policy, the final grid index (rainfall index) for that area determines the coverage for grazing land. The trigger grid index is determined using official weather data so the PRF program can provide adequate insurance coverage for producers.

A Pasture, Range, Forage (PRF) policy is area-based. Area-based means that insurance payments are based on the rainfall index difference between actual rainfall and the historic rainfall index.

A PRF insurance policy provides coverage for expected rainfall in specific intervals, not against ongoing or severe drought.

Why Choose Us?


For over 25 years, our risk management solutions have allowed for our clients to endure in times of natural disaster. We carefully curate insurance solutions to meet your goals and manage risk, today and for the future.


Our “grower first” mindset begins from within and allows us to deliver a service that goes beyond a policy for the American farmer – which is the hallmark of our company.


Since our only focus is on providing insurance solutions for America’s farmers, ranchers, and supporting ag-related businesses, our team at Crop Insurance Services by AMS has developed an unmatched level of experience, skill, and commitment.

Contact us today!

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