Crop year 2027 · sign-up deadline Dec 1, 2026

PRF insurance in San Luis Obispo County, California: 2027 grids, values and record

Pasture, Rangeland, Forage (PRF) is USDA’s rainfall-index insurance for grazing land and hay ground. USDA’s 2027 files offer it in San Luis Obispo County on 30 grids: 17738, 17739, 17741, 17742, 17743, 18037, 18038, 18039, 18040, 18041, 18042, 18043, 18337, 18338, 18339, 18340, 18341, 18342, 18635, 18636, 18637, 18638, 18639, 18640, 18935, 18936, 18937, 18938, 18939, 18940. It pays when precipitation in the grid over two months you choose comes in under a set share of normal.

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Grids
30
Grazing, county base value per acre
$22.30
Hay, non-irrigated, per acre
—
Hay, irrigated, per acre
$56.00
January to February cap
25%
Sign-up deadline
Dec 1, 2026

USDA’s 2027 county base values, the same on every grid in the county. Protection per acre is the value times your coverage level times a productivity factor of 60 to 150: grazing at 90% and 100 is $20.07 an acre.

Example: the calculator opens on April to May and June to July, and this county does not offer both for grazing, so no example is priced here. The calculator prices the months it does offer.

What each pair of months costs in San Luis Obispo County

At 90% coverage, across the 30 grids that touch the county: the middle grid first, then the lowest and highest. The premium is the full rate per $100 of protection; USDA pays 59% at 70%, 59% at 75%, 55% at 80%, 55% at 85%, 51% at 90%. Normal is the grid’s average precipitation for those months. A year counts, of the 75 from 1951 to 2025, when the grid’s index for those months came in under 90% of normal, which is when a 90% policy pays.

Each pair of months in San Luis Obispo County, California at 90% coverage
MonthsNormalPremium per $100Years under 90%
Jan-Feb6.67 in$28.42
$27.19–30.02		41
38–45
Feb-Mar5.91 in$28.80
$26.68–31.34		39
36–45
Mar-Apr3.93 in$28.85
$28.09–31.43		42
39–47
Apr-May1.56 in$38.15
$34.16–42.02		41
37–45
May-Jun0.37 in——
Jun-Jul0.05 in——
Jul-Aug0.03 in——
Aug-Sep0.19 in——
Sep-Oct0.80 in$43.01
$38.28–48.02		43
40–48
Oct-Nov2.23 in$30.82
$29.47–32.63		41
38–43
Nov-Dec4.36 in$26.20
$24.93–28.81		36
34–41

The wettest pair of months here is January to February (6.67 in on the middle grid) and the driest is July to August (0.03 in). Coverage costs least in November to December and most in September to October. The months to insure are the ones when a dry spell costs you grass or hay, not the cheapest ones.

The last five years in San Luis Obispo County, and 2026 so far

The index for each pair of months as a percent of normal (100 is a normal year), on the middle grid (each grid has its own; the calculator shows yours). Shaded cells came in under 90%, where a 90% policy on those months would have paid. 2026 shows the 6 pairs of months USDA has published so far.

PRF index by pair of months, 2021 to 2026, San Luis Obispo County, California
Months202120222023202420252026
so far
Jan-Feb89321814161100
Feb-Mar212119416811173
Mar-Apr32441771558235
Apr-May4273416526106
May-Jun2018542590
Jun-Jul32726372047
Jul-Aug41112741421—
Aug-Sep23627939240—
Sep-Oct21878910245—
Oct-Nov82524691250—
Nov-Dec15417212063193—

Every year since 1951, priced at 2027 rates, is in the calculator.

PRF grids in San Luis Obispo County

Each grid’s normal precipitation over a year, its driest year since 1951 as a percent of normal, 2025 as a percent of normal, and how many of 75 years as a whole came in under 90%. The driest year on the record here was 2013.

PRF grids in San Luis Obispo County, California
GridNormal, yearDriest year2025Years under 90%Calculator
1773815.5 in2013, 23%111%30Open
1773916.1 in2013, 23%116%30Open
1774119.3 in2013, 18%150%32Open
1774212.8 in2013, 15%155%32Open
1774311.1 in2013, 20%155%36Open
1803721.5 in2013, 20%104%32Open
1803816.8 in2013, 20%106%31Open
1803918.7 in2013, 20%110%31Open
1804018.9 in2013, 18%122%30Open
1804112.8 in2013, 15%143%34Open
180427.6 in2013, 17%145%35Open
180435.2 in2013, 26%142%36Open
1833718.7 in2013, 20%103%31Open
1833822.5 in2013, 18%107%33Open
1833920.8 in2013, 17%109%33Open
1834014.8 in2013, 17%115%33Open
183418.8 in2013, 22%130%32Open
183425.5 in2013, 26%132%31Open
1863522.8 in2013, 22%101%29Open
1863621.4 in2013, 21%101%30Open
1863719.5 in2013, 20%104%31Open
1863816.5 in2013, 18%107%31Open
1863915.9 in2013, 18%108%32Open
1864010.6 in2013, 21%110%32Open
1893528.1 in2013, 20%100%29Open
1893620.3 in2013, 20%104%30Open
1893715.0 in2013, 19%106%31Open
1893817.5 in2013, 18%106%31Open
1893915.1 in2013, 20%105%31Open
189408.7 in2013, 26%107%33Open

PRF dates for 2027

  • Dec 1, 2026: sales closing. New policies and changes are due at your agent.
  • Dec 1, 2026: acreage report.
  • Sep 1, 2027: premium billed, no earlier than this.

From 2027, grazing acres need livestock you have an interest in, equal to at least 25% of the stocking rate, or no payment is due and the premium is still owed. PRF pays on the grid’s precipitation index, not on your production. How PRF works · Before you sign · PRF in California

PRF questions in San Luis Obispo County

When is the PRF deadline in San Luis Obispo County for 2027?

The sales closing date is Dec 1, 2026, the same across the country. The acreage report is due Dec 1, 2026, and the premium is billed no earlier than Sep 1, 2027.

Which PRF grid is San Luis Obispo County in?

Grids 17738, 17739, 17741, 17742, 17743, 18037, 18038, 18039, 18040, 18041, 18042, 18043, 18337, 18338, 18339, 18340, 18341, 18342, 18635, 18636, 18637, 18638, 18639, 18640, 18935, 18936, 18937, 18938, 18939, 18940 touch San Luis Obispo County. A grid is a quarter degree of latitude by a quarter degree of longitude, about 17 miles north to south. Your grid follows from a point inside the acres you insure; type a ZIP or coordinates in the calculator to find it.

How much does PRF cost per acre in San Luis Obispo County?

It depends on the grid, the months, the coverage level and your productivity factor. USDA’s 2027 county base value is $22.30 an acre for grazing. At 90% coverage and a productivity factor of 100, grazing land is protected for $20.07 an acre, and the full premium runs $26.20 to $43.01 per $100 of protection depending on the months, on the middle grid. USDA pays 51% to 59% of the premium. The calculator gives the figure for your acres and months.

How often has PRF paid in San Luis Obispo County?

At 90% coverage a pair of months pays when the index comes in under 90% of normal. Over 1951 to 2025, on the middle grid, that happened in 36 to 43 of 75 years, depending on the months. Run at 2027 rates, $1 of full premium at 90% would have paid back a middle $0.88 across the county’s grids and months. That is the past record, not a forecast.

By Sigurd Lindquist, a Certified Crop Adviser (CCA) who owns a licensed crop insurance agency. This page sells no insurance and asks for no contact details. Figures from USDA RMA’s 2027 Actuarial Data Master and PRF index record, read Oct 12, 2026. The index record is what USDA publishes for 2027; policies in past years were paid on their own rates and data.

PRF in California · San Luis Obispo County in the Farmland Atlas · ARC or PLC in San Luis Obispo County · PRF calculator

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