Country Lifestyles

Agriculture 101: What is Rangeland, Pasture, and Forage Insurance?

Written by

If you have a pasture, rangeland, or forage acres being grown for grazing livestock or haying then Pasture, Rangeland, and Forage Insurance is something to look into. This was designed specially to give you the opportunity to buy insurance protection for losses of forage that was produced for grazing or harvested for hay which has resulted in destocking, depopulating, or increased costs for feed. The Pasture, Rangeland, and Forage program does not measure the production or loss of products themselves, instead, it uses a rainfall index to determine precipitation for coverage purposes.

Photo Credit: The Home Agency

The National Oceanic and Atmospheric Administration Climate Prediction Center’s (NOAA CPC) data is used by the Rainfall Index. Each grid is approximately 17 x 17 miles. Based on the location to be insured, acres will be assigned to one or more grids. A producer must select at least two, two-month periods called index intervals when precipitation plays an important role in their operation. It is very important for ranchers and farmers to know and understand that payments aren’t based on individual rain gauges on a single weather station or on their farm. They are based on the interpolated data for the entire National Oceanic and Atmospheric Administration Climate Prediction Center’s grid which might not be traced back to a single reporting station. The Pasture, Rangeland, and Forage Insurance is available in forty-eight contiguous states with some exceptions of a few grids that cross international borders.

Photo Credit: Texas Farm Bureau

The Pasture, Rangeland, and Forage insurance was specially designed to help protect the producers’ operation from the risks of forage loss due to the lack of precipitation. Based on the expected precipitation during specific intervals only. It was not designed to insure against an ongoing or severe drought.

Photo Credit: Ag Risk Solutions

Approximately fifty-five percent of all U.S. land is covered by Pasture, Rangeland, and Forage. It’s important for ranchers and farmers to know which techniques and types work best for their region as forage grows differently in different areas.

Photo Credit: Texas Farm Bureau

By using the National Oceanic and Atmospheric Administration Climate Prediction Center’s data for their grids and index intervals is how insurance payments are determined. The producer may receive an indemnity when the final grid index falls below the policyholder’s “trigger grid index”. This insurance is for lack of precipitation which is for a single peril and the coverage is based on the experience of the entire grid. It’s not based on specific weather stations, individual ranches, or farms.

Photo Credit: EastCo Group


CKP Insurance

Our trained professionals will walk you through a range of options using risk-assessment tools that will take the pressure off when there is a drought in your area. The program is very affordable because the government subsidizes 51%-59% of the premium.

“Those Who Expect More Choose CKP”

We Got What You Need
Pasture, Rangeland, Forage Insurance was designed to help protect your operation from the risks of forage losses that are produced for grazing or harvested for hay, resulting in increased costs for feed.

Anyone can sell you a policy. But CKP Insurance invests the time to understand your needs and develop a strategy that will produce the best coverage results.

Megan deFabry

Howdy, I'm Megan deFabry. I grew up in Reno, Nevada, but since 2017 my heart has called Texas home. I now reside in Austin, Texas since 2020. I'm driven by my faith, cherished relationships with family and friends, and my professional ambitions. I'm passionate about digital marketing and journalism, especially the wide-open spaces of America's Western lifestyle, the grit of agriculture, the excitement of rodeo, and the heart of country music. For nearly a decade, I've been sharing this way of life through storytelling. And like any good cowboy tale, there's a loyal sidekick, my little Dachshund, Frank, who I adopted from a shelter in New Braunfels, Texas, back in 2018. He keeps me grounded, reminding me to chase horizons and savor life's simple joys. I graduated from Texas State University with a Bachelor of Science in Consumer Affairs and a minor in Mass Communication. My major taught me to decode consumer behavior, which is crucial for marketing, while my minor sharpened my storytelling skills. Since then, I've spent years mastering SEO and content strategy, staying ahead in a fast-moving field. My work even caught the eye of Cowboy Lifestyle Network's CTO, Irish Padmore, who recognized me for contributing to his research on Consumer Behavior in the Age of AI. Since 2018, I've been honored to work at Cowboy Lifestyle Network. Now as Editor-in-Chief writing, editing, and publishing articles that capture the cowboy spirit, crafting strategies rooted in Western values, and building real client connections. Guided by ethical journalism, I aim to tell stories that resonate and reflect the unsung heroes of the Western spirit.

Recent Posts

Charlie Sampson Open Rodeo: A Legacy of Grit, A Day of Thrills

Norco, California - Experience an unforgettable evening of rodeo excellence at the inaugural Charlie Sampson… Read More

45 minutes ago

Utah Days of ’47 Rodeo 2025

If you’re anywhere near Salt Lake City this July, or have been seeking out the… Read More

7 hours ago

Experience the Heart of the West: California Rodeo Salinas 2025

Salinas, California – Mark your calendars for July 17th-20th, as the California Rodeo Salinas, one… Read More

11 hours ago

Round Off the 4th of July Celebrations at Saddle Club

With the Independence Day weekend right around the corner, there’s no better way to soak… Read More

2 days ago

Cameo Fence ™ Solves Costly Horse Fence Myths

Real Talk When it comes to fencing for horses, there’s no shortage of strong opinions.… Read More

3 days ago

Ogden Pioneer Days 2025

The summer rodeo run is in full swing and I, for one, am so excited!… Read More

5 days ago