412: Are You Leaving Money on the Table With Rain Insurance? PRF with Samantha Cozza -Wright

Rain can make or break a grazing or haying operation, but are you protecting your operation when rainfall falls short? Samantha Cozza-Wright is back on the Cattle USA Daily Podcast to break down PRF, or Pasture, Rangeland, and Forage Protection, often called rain insurance. She explains how coverage works, how producers can structure it around historical rainfall patterns, what the numbers can look like, and why PRF could be an important tool when making strategic decisions for the year ahead.

Connect with Samantha:Email - samantha@cattleusainsurance.com Phone - 785-940-5533

Links:

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Key Takeaways:

• PRF insures 90% of average historical rainfall within a specific 17-by-17-mile grid
• Coverage is based on rainfall rather than actual hay production, forage yield or the amount of grass produced
• Producers can structure coverage across two-month intervals and increase coverage during historically drier periods
• PRF coverage levels range from 70% to 90%, with 90% potentially providing more opportunities for a payment to trigger
• Historical data can be used to look back 10–20 years and help producers determine how to structure their coverage
• PRF is government subsidized, with the top coverage level receiving a 51% subsidy
• A Northwest Kansas grazing example showed insurance paying more than the producer paid in premiums in eight of the past 10 years
• Producers can use PRF payments to help offset costs such as buying hay or dealing with reduced forage during dry periods
• Payments are triggered automatically when rainfall falls below the insured percentage of the historical average, without a traditional notice-of-loss form
• Coverage is highly location-specific, making it important to run a quote based on the producer’s actual operation and historical rainfall patterns

Chapters:

00:51 – What Is PRF and How Does Rain Insurance Work?
03:36 – How Coverage Is Structured
05:49 – A Real-World Northwest Kansas Example
08:00 – Understanding Historical Loss Ratios
10:01 – When PRF Pays More Than You Put In
12:00 – Grazing Acres vs. Haying Acres
15:20 – How Payments Are Triggered
17:00 – Getting a Quote for Your Operation
18:30 – Why Producers Should Understand PRF

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