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

PRF insurance in Grundy County, Tennessee: 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 Grundy County on 7 grids: 18177, 18178, 18477, 18478, 18479, 18777, 18778. 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: 7
Grazing, county base value per acre: $48.20
Hay, non-irrigated, per acre: $224.00
Hay, irrigated, per acre: $168.00
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 $43.38 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 18778, the middle of the county’s 7 grids by premium. The full premium is $415: USDA pays $212 and you pay $203, or $2.03 an acre. Run over 1951 to 2025 at 2027 rates, it would have paid in 47 of 75 years, an average of $345 a year, or $3.45 an acre. That is the past record, not a forecast, and it leaves out the administrative fee.

What each pair of months costs in Grundy County

At 90% coverage, across the 7 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 Grundy County, Tennessee at 90% coverage
Months	Normal	Premium per $100	Years under 90%
Jan-Feb	10.86 in	$10.34 $9.67–11.13	33 32–35
Feb-Mar	11.51 in	$10.39 $10.19–11.12	31 29–36
Mar-Apr	11.16 in	$10.58 $10.14–11.02	32 30–33
Apr-May	10.15 in	$10.36 $10.11–11.02	31 29–33
May-Jun	9.33 in	$9.16 $8.52–10.27	31 28–35
Jun-Jul	9.30 in	$8.56 $8.32–9.59	28 25–30
Jul-Aug	8.88 in	$9.11 $8.54–10.03	29 26–32
Aug-Sep	8.21 in	$10.89 $10.83–12.78	31 27–33
Sep-Oct	8.00 in	$16.11 $14.79–17.76	34 32–37
Oct-Nov	8.48 in	$12.50 $12.40–12.98	31 28–32
Nov-Dec	10.86 in	$10.90 $10.56–11.46	33 33–36

The wettest pair of months here is February to March (11.51 in on the middle grid) and the driest is September to October (8.00 in). Coverage costs least in June to July 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 Grundy 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, Grundy County, Tennessee
Months	2021	2022	2023	2024	2025	2026 so far
Jan-Feb	86	143	122	122	98	75
Feb-Mar	149	134	107	104	113	59
Mar-Apr	130	90	95	103	107	63
Apr-May	66	84	84	130	151	107
May-Jun	87	91	107	117	159	129
Jun-Jul	108	104	114	81	99	98
Jul-Aug	154	119	133	67	92	—
Aug-Sep	187	112	92	92	119	—
Sep-Oct	180	80	21	90	103	—
Oct-Nov	101	78	36	50	87	—
Nov-Dec	68	115	65	82	56	—

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

PRF grids in Grundy 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 2007.

PRF grids in Grundy County, Tennessee
Grid	Normal, year	Driest year	2025	Years under 90%	Calculator
18177	60.3 in	2007, 56%	106%	25	Open
18178	59.2 in	2007, 58%	101%	24	Open
18477	58.5 in	2007, 58%	105%	22	Open
18478	60.7 in	2007, 61%	101%	24	Open
18479	59.2 in	2007, 62%	96%	26	Open
18777	56.3 in	2007, 61%	106%	22	Open
18778	56.2 in	2007, 60%	105%	23	Open

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 Tennessee

PRF questions in Grundy County

When is the PRF deadline in Grundy 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 Grundy County in?

Grids 18177, 18178, 18477, 18478, 18479, 18777, 18778 touch Grundy 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 Grundy County?

It depends on the grid, the months, the coverage level and your productivity factor. USDA’s 2027 county base value is $48.20 an acre for grazing, $224.00 for non-irrigated hay. At 90% coverage and a productivity factor of 100, grazing land is protected for $43.38 an acre, and the full premium runs $8.56 to $16.11 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 $2.03 an acre on grid 18778. The calculator gives the figure for your acres and months.

How often has PRF paid in Grundy 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 28 to 34 of 75 years, depending on the months. Run at 2027 rates, $1 of full premium at 90% would have paid back a middle $0.87 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 Tennessee · Grundy County in the Farmland Atlas · ARC or PLC in Grundy County · PRF calculator

Rain so far this year in Tennessee, county by county