Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Pasture, Rangeland, Forage (PRF) Insurance in North Dakota

Rainfall Index Coverage for Grazing and Hay

PRF insurance helps ND ranchers and hay producers when rainfall falls short. Using a Rainfall Index tied to your grid, coverage pays when precipitation during selected intervals is below the long-term average-cash you can use for feed when forage is thin.

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Pick Intervals that Matter Most

Choose two-month intervals (e.g., May-Jun, Jul-Aug) and allocate acreage weights to match your growth windows. If rainfall for an interval is below your coverage trigger in your grid, an indemnity is paid-no yield checks or forage measurements required.

Bridge Dry Spells Without Selling Cows

In dry years, PRF payments can help buy hay or pasture elsewhere, keeping herds on track. Many producers pair PRF with price protection on cattle for a more complete risk plan.

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Two young boys are laying on the grass and talking to each other.

What Ranchers Ask Most

  • What land qualifies?

    Pasture, rangeland, and forage acres used for grazing or hay.

  • Is it subsidized?

    Yes-federal subsidies help lower producer premiums.

  • When is signup?

    Typically in the fall for the next calendar year-don't miss the deadline.

  • Do I report yields?

    No-payments are index-based on rainfall, not measured production.