Hale Center, Texas, sits on the Llano Estacado at about 3,400 feet of elevation, surrounded by feedyards and rural ranches. Operating those yards means feeding hundreds or thousands of cattle while watching the sky. Days begin with hot sun in the nineties and evenings drop fast. Storms can turn pens into pools and barns into ruins almost overnight. That is why Feedlot Cattle Insurance from National Livestock Insurance, offered through our Amarillo office, fits the needs of High Plains and Hale Center, Texas feeders. This policy covers cattle death based on a valuation schedule and protects your herd when loss happens from fire, lightning, windstorm, flood, drowning, building collapse, smothering from blizzard snow, theft, or vandalism. Optional coverage is available for hypothermia, contaminated feed or water, and carcass removal. Veterinary care is not included. The focus is on helping you recover herd value quickly and fully.
Climate data for Hale Center shows classic High Plains weather. Summers stretch from mid May to early September with high temperatures hitting about 92 degrees and lows staying in the upper sixties. Winter months bring crisp evenings in the low thirties with occasional freezes and light snowfall up to five inches per year. Rainfall is modest at around fourteen inches per year, but it can come fast. Storms in spring and early summer bring heavy rain, wind, lightning, and straight line gusts downing fences and power lines.
Lightning and fire are common threats. A strike on metal barns or hay bales can start a fire. Windstorms or structural collapse threaten livestock when pens and feeders fail. Sudden rainfall floods pens, leading to drownings. Snow events though rare in Hale Center can smother penned cattle. Theft or vandalism in this remote agricultural stretch is rare but possible. Your insurance helps you rebuild and recover without financial ruin.
Flash floods hit nearby yards in recent years. One event in Castro County drowned around four thousand head in low pens after ten inches of rain fell in hours. That is why flood and drowning protection is vital. The valuation schedule makes sure you are compensated fairly.
Every animal covered under this policy is listed with current market value. If a head dies from a covered peril, you get payment equal to that market value. This ensures you can rebuild or reinvest in your herd. You are not paid salvage or a flat low amount. The valuation schedule reflects real‑time beef and feeder cattle prices.
In late spring, a damaging storm can roll through Hale County with lightning that ignites a feed bay. A few cattle can perish in the blaze. With fire and lightning coverage you file a claim, document the hazard, and receive payment based on valuation.
On another spring day heavy rains hit and flood drains in your pens. Several animals drown before staff can respond. Flood and drowning coverage mean you are reimbursed and can get back to operations.
A summer storm can bring powerful winds that collapse part of your barn roof. Cattle caught underneath can be lost to building collapse. Insurance steps in again.
Winters may drop quickly into the teens with snow buried pens. Cattle smother from heavy drifts and pay out under the smothering provision.
Theft is not unheard of in isolated yards. A pen fence is cut and cattle are stolen overnight. That loss is covered too.
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Hypothermia coverage helps when cattle die from big temperature swings not tied to visible snow. Even a cold wet rain can chill an animal fatally.
Contaminated feed or water protection responds when algae blooms, overflow, chemical drift or spoilage poisons a tank or bin causing cattle fatalities.
Carcass removal helps take care of animal disposal. When several animals perish, those clean up costs add up fast. That option helps with environmental compliance and pen readiness.
Insurance is valuable but it is not a substitute for solid care. You still maintain drainage trenches, check feeders, secure pens, test water, and maintain barn structures. Feed and water tanks need cleaning after storms. Pens must be cleared of snow. Irrigation ditches should not run toward feedlot pens.
Trailers used to haul cattle must be clean shaded ventilated and properly partitioned. If cattle die in transit from exposure or accident but you provided care coverage may respond. If not, claims can be denied.
When a covered loss occurs, report it immediately. Take clear photos of damage or pens, turn in a veterinarian or field report, gather weather or incident data, and contact your agent. We send in our adjuster, well versed in High Plains feedlots, who confirms losses and causes. Payment is made based on your valuation schedule and riders in place. Carcass removal funds are added if elected. With backing from The Hartford through National Livestock Insurance you know claims are settled swiftly and reliably.
Whether you run a modest family feedlot or a large commercial yard holding thousands of cattle, coverage scales with your herd size. The valuation schedule is tailored to your cattle types. Riders are optional and configurable as your operation grows or changes. Adding more cattle or infrastructure means updating coverage to match.
Our agents live and work in Amarillo and know the Hale Center area with its storms, droughts and feedlot challenges. They visit your yard, assess pens, feeders and infrastructure and help set valuation schedules and rider choices. Before each season begins we provide risk bulletins reminding you to prepare for spring floods or winter freezes. After a major rainstorm or heat wave we check in. We are not just your insurer, we are your partner.
Feedlot cattle in Hale Center face weather and infrastructure threats that can drain profits fast. Feedlot Cattle Insurance from National Livestock Insurance protects your herd value when cattle die from named causes. Optional coverage addresses smaller but real risks like cold exposure and contaminated feed. It is not insurance for illness or vet bills. It is protection for mortality tied to environmental and structural events. With good management your yard stays safe and when losses happen payouts help you rebuild. Hartford's financial strength supports your recovery. Our Amarillo team guides you toward seasonal risk readiness and digs in after loss. Call or email today, let us evaluate your yard, build your coverage, and ensure that cattle you feed under the Texas sun are protected.
Protecting Your Livestock, Securing Your Future
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