Annual Forage (Rainfall Index)

If your agent is saying, “It’s all the same,” Maybe you need an agent that Isn’t.

AF (Annual Forage)
The United States currently comprises about 954 million acres of farmland. The Annual Forage pilot program provides coverage to acreage that is planted each year and used as feed and fodder by livestock. This pilot program utilizes the Rainfall Index to correlate to this acreage. Also see livestock policies and resources.
Annual forage coverage is unique in that you can insure the same acre in both the fall and spring crops. And receive 100% in indemnity in both crops.

AF program is for

  • Those plowed or cultivated acres not established in permanent forages (PRF acres)
  • Annual plants seeded on planted acreage for forage or fodder

AF commodities include:

  •  Fall and winter plantings of small grains or blends such as wheat, oats, rye, triticale, or blends with other annuals like ryegrass, turnip seed, etc.
  • Spring and summer plantings of Sudan, Haygrazer, Millet, many others and blends, etc.
  • Inclusive of many annual forages or blends
  • Premiums are not valued by the commodity planted

AF intended uses include:

  • Including but not limited to grazing, haying, grazing/haying, grain/grazing, green chop, grazing/green chop, silage, earlage, etc.
  • Premiums are not valued by the Intended Use

Is this type of coverage subsidized by USDA like other MPCI policies?

Yes! Here are the following coverage levels:

  • 59% subsidy at 70-75% coverage,
  • 55% subsidy at 80-85% coverage,
  • 51% subsidy at a 90% coverage.
  • Are adjusters needed to determine a loss?
    No. Losses are determined simply by subtracting your actual Rainfall Index from your chosen Rainfall Index Trigger. Then divided by the Rainfall index trigger. This percent loss is then multiplied by the amount of coverage you allotted for that 60-day interval. (Trigger Index – Actual Index) divided by Trigger Index.