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

PRF insurance in Moffat County, Colorado: 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 Moffat County on 40 grids: 24084, 24085, 24086, 24087, 24088, 24089, 24090, 24091, 24384, 24385, 24386, 24387, 24388, 24389, 24390, 24391, 24684, 24685, 24686, 24687, 24688, 24689, 24690, 24691, 24984, 24985, 24986, 24987, 24988, 24989, 24990, 24991, 25284, 25285, 25286, 25287, 25288, 25289, 25290, 25291. 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
40
Grazing, county base value per acre
$9.80
Hay, non-irrigated, per acre
$99.00
Hay, irrigated, per acre
$31.00
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 $8.82 an acre.

Example, not a recommendation: 100 acres of grazing at 90% coverage, productivity factor 100, half in April to May and half in June to July, on grid 25285, the middle of the county’s 40 grids by premium. The full premium is $174: USDA pays $88 and you pay $86, or $0.86 an acre. Run over 1951 to 2025 at 2027 rates, it would have paid in 52 of 75 years, an average of $152 a year, or $1.52 an acre. That is the past record, not a forecast, and it leaves out the administrative fee.

What each pair of months costs in Moffat County

At 90% coverage, across the 40 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 Moffat County, Colorado at 90% coverage
MonthsNormalPremium per $100Years under 90%
Jan-Feb1.81 in$15.72
$10.53–21.59		34
27–43
Feb-Mar2.07 in$12.76
$7.65–17.65		33
26–38
Mar-Apr2.46 in$12.91
$7.08–15.07		32
25–37
Apr-May2.78 in$17.39
$10.85–19.99		34
29–41
May-Jun2.40 in$19.60
$17.05–23.55		36
32–39
Jun-Jul1.85 in$22.05
$17.92–27.28		38
35–43
Jul-Aug2.01 in$16.04
$12.70–21.56		34
27–38
Aug-Sep2.34 in$17.13
$14.63–18.72		39
35–41
Sep-Oct2.62 in$18.28
$16.09–22.35		37
34–42
Oct-Nov2.39 in$15.08
$12.06–20.03		33
29–37
Nov-Dec2.06 in$16.29
$12.34–20.66		36
30–40

The wettest pair of months here is April to May (2.78 in on the middle grid) and the driest is January to February (1.81 in). Coverage costs least in February to March and most in June to July. 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 Moffat 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, Moffat County, Colorado
Months202120222023202420252026
so far
Jan-Feb81631851356661
Feb-Mar107971281749644
Mar-Apr68891141097489
Apr-May4390649348115
May-Jun5397741053373
Jun-Jul778599573147
Jul-Aug9676949871—
Aug-Sep11591648695—
Sep-Oct1261135972103—
Oct-Nov95129869886—
Nov-Dec119173766859—

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

PRF grids in Moffat 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%.

PRF grids in Moffat County, Colorado
GridNormal, yearDriest year2025Years under 90%Calculator
240849.8 in1958, 48%71%25Open
2408510.5 in1958, 49%75%28Open
2408612.8 in1958, 56%77%26Open
2408713.1 in2012, 62%76%24Open
2408816.2 in2012, 65%74%24Open
2408920.1 in2012, 67%75%21Open
2409024.2 in2002, 69%76%21Open
2409129.1 in2020, 72%77%21Open
2438412.2 in2012, 49%69%24Open
2438515.1 in2012, 49%71%24Open
2438614.1 in2012, 54%70%25Open
2438713.2 in1958, 60%66%24Open
2438816.1 in2025, 65%65%22Open
2438915.5 in2012, 64%67%24Open
2439017.4 in2012, 63%73%24Open
2439118.3 in1958, 66%78%21Open
2468413.3 in2012, 50%73%23Open
2468513.0 in2012, 48%70%23Open
2468613.2 in2012, 54%63%22Open
2468711.7 in1958, 57%58%25Open
2468812.4 in1958, 56%57%24Open
2468914.6 in1958, 59%61%27Open
2469015.8 in1958, 61%68%25Open
2469118.2 in1958, 65%77%22Open
2498412.7 in2012, 50%78%23Open
2498514.6 in2012, 51%76%22Open
2498612.2 in2012, 56%66%22Open
2498713.2 in1958, 56%59%23Open
2498811.3 in1958, 58%59%24Open
2498913.1 in1989, 57%63%26Open

And 10 more grids: 24990, 24991, 25284, 25285, 25286, 25287, 25288, 25289, 25290, 25291. Each opens in the calculator.

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 Colorado

PRF questions in Moffat County

When is the PRF deadline in Moffat 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 Moffat County in?

Grids 24084, 24085, 24086, 24087, 24088, 24089, 24090, 24091, 24384, 24385, 24386, 24387, 24388, 24389, 24390, 24391, 24684, 24685, 24686, 24687, 24688, 24689, 24690, 24691, 24984, 24985, 24986, 24987, 24988, 24989, 24990, 24991, 25284, 25285, 25286, 25287, 25288, 25289, 25290, 25291 touch Moffat 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 Moffat County?

It depends on the grid, the months, the coverage level and your productivity factor. USDA’s 2027 county base value is $9.80 an acre for grazing, $99.00 for non-irrigated hay. At 90% coverage and a productivity factor of 100, grazing land is protected for $8.82 an acre, and the full premium runs $12.76 to $22.05 per $100 of protection depending on the months, on the middle grid. USDA pays 51% to 59% of the premium. In the example above, 100 acres of grazing at 90% with half in April to May and half in June to July, you pay $0.86 an acre on grid 25285. The calculator gives the figure for your acres and months.

How often has PRF paid in Moffat 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 32 to 39 of 75 years, depending on the months. Run at 2027 rates, $1 of full premium at 90% would have paid back a middle $0.86 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 Colorado · Moffat County in the Farmland Atlas · ARC or PLC in Moffat County · PRF calculator

Rain so far this year in Colorado, county by county