Pasture, Rangeland, Forage (PRF), and Apiculture (API)

• This risk management tool insures against widespread loss of production of the insured crop in a designated area called a grid. Coverage is based on the experience of a grid rather than individual farms.
• Coverage under the PRF program is available for two crop types: Grazingland (064) and Hayland (063). Coverage under API is available under the No Type Specified (997) crop type. Losses are paid when the grid's accumulated index, the final grid index, falls below the insured's trigger grid index.
• The program does not provide hail and fire exclusion, high-risk land, late planting, replant requirements, replanting payments, prevented planting, or experience adjustment factor payments.

Levels of Coverage and Protection Factors

• The grower selects a different coverage level and protection factor for each of the insured crop types in the county.
• The expected grid index shown on the actuarial documents multiplied by the selected coverage level is the trigger grid index.
• CAT is not available. Coverage levels are available from 70% to 90%, in 5% increments.
• Protection factors allow individualization of coverage based on the production of the crops produced and may be selected from 60% to 150%, in 1% increments.

Important Dates

The sales closing date is September 30 and the acreage reporting date is November 15 preceding the start of the crop year. The contract change date for all states and counties is June 30.

Units

A coverage unit is all insured acres within a grid ID for each crop type and index interval.

How It Works

The coverage is based on a dollar amount of protection per acre. The actuarial will contain the county base value per acre, by crop type.

• County base value = $17.65 - Published in the county actuarial, by crop type.
• Coverage level = 75% level - Elected by the grower.
• Protection factor = 120% - Grower selects a number between 60% and 150%.
• $17.65 x 0.75 x 1.20 = $15.89 is the dollar amount of protection per acre.
• One dollar amount of protection per acre will apply to all insured acres by crop type for the county.

Grid ID

The grid ID number, which corresponds with the location of the insured cropland, is determined by using the RMA website. The grid is utilized to determine the expected grid index and the final grid index, which is used in premium and loss calculation. The grid ID number will be reported on the Acreage Report.

• Rainfall Grid: Acreage within each approximate 12 x 12 mile (0.25 degree) gridded area established by NOAA and identified by longitude and latitude.
  
  
• Vegetation Grid: Acreage within an approximate 4.8 mile x 4.8 mile (8 km) gridded area established utilizing EROS NDVI data and identified by longitude and latitude. Vegetation is measured indicating the density of biomass on the ground via satellite imagery.

Loss Payments

• Indemnities are based on the deviation from normal for each grid.
• A payment may be made only if the final grid index for the insured unit is less than the grower’s trigger grid index.
  
• The payment will be equal to the payment calculation factor multiplied by the policy protection per unit.
• The payment calculation factor now includes a total loss factor. A total loss factor is a factor used in the payment calculation that increases the amount of loss incrementally until a total loss is paid when the final grid index is less than or equal to 30% of the expected grid index. The factor will be set at 0.30 unless otherwise specified in the Special Provisions. The total indemnity will never be more than 100% of the policy protection for the unit.

Index Intervals

The insurance period is determined by the “interval” selected by the insured. The Special Provisions may contain minimum/maximum limitations on the percentage of acreage that may be insured in any one interval.

• Rainfall Index Interval Periods
  The crop year begins January 1st and ends December 31st. The rainfall index has 11 flexible, two-month time periods that cannot overlap. A minimum of two intervals (four months total) per crop year must be insured under the Rainfall Index program.
  

  Index Intervals	Start Date	End Date
  (625) Index Interval	January 1	February 28
  (626) Index Interval	February 1	March 31
  (627) Index Interval	March 1	April 30
  (628) Index Interval	April 1	May 31
  (629) Index Interval	May 1	June 30
  (630) Index Interval	June 1	July 31
  (631) Index Interval	July 1	August 31
  (632) Index Interval	August 1	September 30
  (633) Index Interval	September 1	October 31
  (634) Index Interval	October 1	November 30
  (635) Index Interval	November 1	December 31

• Vegetation Index Interval Periods
  The crop year begins January 1st and ends December 31st. The Vegetation Index has 10 flexible, three-month time periods that cannot overlap. Availability of these 10 index intervals is limited by state as indicated in the Special Provisions.
  

  Index Intervals	Start Date	End Date
  (645) Index Interval	January 1	March 31
  (646) Index Interval	February 1	April 30
  (647) Index Interval	March 1	May 31
  (648) Index Interval	April 1	June 30
  (649) Index Interval	May 1	July 31
  (650) Index Interval	June 1	August 31
  (651) Index Interval	July 1	September 30
  (652) Index Interval	August 1	October 31
  (653) Index Interval	September 1	November 30
  (654) Index Interval	October 1	December 31

Program Availability
Rainfall Index

	State	County Availability
PRF	AL	All Counties
	CA	All Counties
	CO	Adams, Alamosa, Arapahoe, Baca, Bent, Boulder, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Denver, Douglas, Eagle, El Paso, Elbert, Fremont, Gilpin, Grand, Gunnison, Huerfano, Jackson, Jefferson, Kiowa, Kit Carson, Lake, Larimer, Las Animas, Lincoln, Logan, Morgan, Otero, Park, Phillips, Pitkin, Prowers, Pueblo, Rio Grande, Routt, Saguache, Sedgwick, Summit, Teller, Washington, Weld, and Yuma
	FL	All Counties
	GA	All Counties
	KS	All Counties
	MO	All Counties
	MT	All Counties
	NC	All Counties
	ND	All Counties
	NY	All Counties
	OK	All Counties
	PA	All Counties
	SC	All Counties
	TX	All Counties
	VA	All Counties, and the following independent cities: Chesapeake City, Suffolk City, and Virginia Beach
API	AL	All Counties
	CA	All Counties
	CO	Adams, Alamosa, Arapahoe, Baca, Bent, Boulder, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Denver, Douglas, Eagle, Elbert, El Paso, Fremont, Gilpin, Grand, Gunnison, Huerfano, Jackson, Jefferson, Kiowa, Kit Carson, Lake, Larimer, Las Animas, Lincoln, Logan, Morgan, Otero, Park, Phillips, Pitkin, Prowers, Pueblo, Rio Grande, Routt, Saguache, Sedgwick, Summit, Teller, Washington, Weld, and Yuma
	FL	All Counties
	GA	All Counties
	KS	All Counties
	MN	All Counties
	MO	All Counties
	MT	All Counties
	NC	All Counties
	ND	All Counties
	NY	All Counties
	OK	All Counties
	PA	All Counties
	SC	All Counties
	TX	All Counties
	VA	All Counties, and the following independent cities: Chesapeake City, Suffolk City, and Virginia Beach

Vegetation Index

	State	County Availability
PRF	AZ	All Counties
	CO	Archuleta, Delta, Dolores, Garfield, Hinsdale, La Plata, Mesa, Mineral, Moffat, Montezuma, Montrose, Ouray, Rio Blanco, San Juan, and San Miguel
	ID	All Counties
	NE	All Counties
	NM	All Counties
	OR	All Counties
	SD	All Counties
	UT	All Counties
	WY	All Counties
API	AZ	All Counties
	CO	Archuleta, Delta, Dolores, Garfield, Hinsdale, La Plata, Mesa, Mineral, Moffat, Montezuma, Montrose, Ouray, Rio Blanco, San Juan, and San Miguel
	ID	All Counties
	NE	All Counties
	NM	All Counties
	OR	All Counties
	SD	All Counties
	UT	All Counties
	WY	All Counties

NOTE: This summary is for general illustration only. See policy for program details.

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