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PRF insurance coverage in El Campo, TX, Pasture


Reliable Protection for Pasture, Rangeland, and Forage

We offer coverage for pasture, rangeland, and forage, to help local farmers withstand the outcome of drought. Ag 1st LLC has a PRF (Pasture, Rangeland, Forage) program that utilizes a rainfall index to determine precipitation for coverage purposes. Please bear in mind that it does not measure the production or loss of products themselves.

Tracking Precipitation

Our company works closely with The National Oceanic and Atmospheric Administration Climate Prediction Center (NOAA CPC); they collect and utilize precipitation data in a grid system to determine a final grid index. Based on the result they divide the calendar into two-month periods beginning in either January (Jan/Feb, Mar/Apr, May/Jun, Jul/Aug, Sep/Oct, Nov/Dec) or February (Feb/Mar, Apr/May, Jun/Jul, Aug/Sep, Oct/Nov). Using the RMA's calculation tool, we can provide accurate quotes for drought insurance and better information for you to gauge the best period for coverage and what level of coverage you want.

We are flexible with our PRF insurance payments as the sales closing deadline is November 15th of each year. If you opt for premium coverage, it does not have to be paid upfront. It's billed in August of the year following the sign-up and can be paid up until September 30th without added interest. Should you have any inquiries about our coverage policies or seek further information, please contact us.




How It Works

The PRF program utilizes a rainfall index to determine precipitation for coverage purposes and does not measure production or loss of products themselves. The National Oceanic and Atmospheric Administration Climate Prediction Center (NOAA CPC) collects and utilizes precipitation data in a grid system to determine a final grid index.

They do not use precipitation data from individual farms or ranches or specific weather stations in the general area. Each grid is .25 degrees in latitude by .25 degrees longitude, which translates to approximately 17 x 17 square miles at the equator. The policy divides the calendar year into two-month intervals beginning in either January (Jan/Feb, Mar/Apr, May/Jun, Jul/Aug, Sep/Oct, Nov/Dec) or February (Feb/Mar, Apr/May, Jun/Jul, Aug/Sep, Oct/Nov). With the help of RMA’s calculation tool, we can provide quotes to help producers select a coverage level, productivity factor, intervals, irrigation practice, and acres to be insured. Indemnity payments are automatically triggered when the final grid index falls below the policyholder’s trigger grid index. The sales closing deadline is November 15th of each year.

Premium Not Billed Until August of the Following Year

Unlike home or auto, the premium is not paid upfront. It is billed in August of the year following sign up and can be paid up until September 30th without added interest. If a payable loss is triggered, payment is applied to the premium due first, and any remaining claim proceeds are sent to the producer.

Have additional questions? Give us a call!