Pasture, Rangeland & Forage Insurance

PRF Rainfall Index Coverage

Feed Supply Protection When Rainfall Misses the Mark

Pasture, Rangeland & Forage (PRF) Insurance is an area-based insurance plan that covers pasture, rangeland, or forage used to feed livestock.


Instead of measuring actual yields, PRF pays you when rainfall in your local area falls short of the historical average-helping offset feed shortages, hay losses, or the cost of buying expensive replacement feed in dry years. It's designed for operations that depend on pasture or hay for cattle, forage, or hay sales.


Ranchers are finding this a great tool to protect them during times when there is less than normal rainfall, which is vital for producing grass and hay for their livestock. We have several options and programs to show what is best for your operation.

Index-Based Coverage-Simple, Predictable, and Effective

An icon of a document with an umbrella symbol and a checkmark inside a shield, representing insurance coverage.

Coverage Based on Rainfall, Not Yield

Choose coverage intervals (two-month windows) that match when your operation most relies on forage or pasture growth. Rainfall in your grid and interval is below average, this coverage has that safety net.

A black and white line-art icon depicting a document page layered behind a calendar.

Customizable Structure

Select which months to cover, the percentage of your acres, and your desired coverage level-Gateway guides you through the options.

A black-and-white icon depicting a circular target surrounded by scattered, curved lines suggesting speed or movement.

Applies to Hayland & Grazing

Works for native pasture, rangeland, improved hay, and even some annual forages.

Best Fit for Ranch & Hay Producers

Cow-Calf & forage Operations

Reduce the financial hit from buying supplemental feed in a dry stretch.

Hay Producers

Stabilize cash flow when rainfall cuts hay yields.

Feedlot & Grazing

Useful for anyone who relies on homegrown forage as a core feed cost control.

Gateway Insurance helps you align coverage intervals and structure with your actual feeding and grazing plans.

Coverage That Matches Unpredictable Seasons

A black checkmark inside a circle.

Farming operations face wide swings in spring/summer rain-PRF lets you pick the months when moisture matters most.

A black checkmark inside a circle.

Index insurance smooths out feed budgeting, even when "the rain just doesn't come."

A black check mark inside a circle.

We are your local agents, let us review your plan annually

Frequently Asked Questions

  • How are payments determined?

    If rainfall in your grid and selected intervals is below the historical average, you receive an indemnity-no yield proof or field loss claim is needed.

  • What do I need to enroll?

    Just your acres, location, and a general idea of when you rely most on pasture/hay growth. Gateway guides you through each step and files the paperwork for you.

  • Is PRF insurance good for cow-calf operations?

    Yes-PRF is designed for operations that rely on grass/pasture for grazing. It's also valuable for hay-only and mixed systems.

  • Does it work for hay in North Dakota?

    Yes, PRF applies to both grazing and hayland, covering most forage types grown in ND.

PRF Index Coverage Work for Your Operation

Gateway Insurance will explain the coverage you need, helps you select intervals, and can review your plan each season. We work with all operation sizes and can quote across carriers for the best fit.