Hereford, known as the Beef Capital of the World, sits on the Llano Estacado where dozens of feedlots shape the landscape and the local economy. With nearly 30 percent of the nation’s fed cattle processed nearby, cattle feeders manage tens of thousands of heads daily. But fame doesn’t stop the unpredictable weather. Feedlot Cattle Insurance from National Livestock Insurance in Amarillo is crafted for Hereford feeders, offering death-only protection based on the valuation schedule for cattle. It covers losses to cattle value from fire, lightning, windstorm, flood, drowning, building collapse, theft, vandalism, blizzard smothering and includes optional protection for hypothermia, contaminated feed or water and carcass removal.
Hereford’s climate exemplifies High Plains extremes. July temps average highs of ninety-one degrees with lows near sixty-nine. Thunderstorms drive summer runs of 2.1 inches in July and August, often with lightning, heavy rainfall and gusty winds . Flooding in mid-summer dumped nearly ten inches over a short time in a 2021 event, drowning four thousand head and devastating yards. Winter brings an average of 6.7 inches of snow over 14 days . Cold snaps in January and February pull lows to near twenty-four and highs to around fifty‑two.
Hereford’s semi‑arid steppe climate means swings between drought and flash floods. Wind, lightning, heat, snow are all part of the High Plains cattle reality. With cattle penned under open sky, mortality risks are real. National Livestock Insurance in Amarillo is there to help.
Instead of generic payouts the valuation schedule aligns payment with current market value. If a one thousand pound steer is lost to a covered peril, claim payout reflects market value, not purchase price or salvage rate. That makes recovery realistic and fair.
If lightning strikes a feed bin or barn and kills cattle, those losses are covered with National Livestock Insurance. Windstorms can collapse feeder walls or barns, crushing animals. Heavy rainfall floods low pens overnight and cattle drown before staff can respond. Cold winters can bury cattle in drifts and lead to blizzard smothering losses. Theft or vandalism in remote yards also counts. Each peril triggers mortality protection tied to the valuation schedule. National Livestock Insurance can cover perils in Hereford, Texas.
Hypothermia coverage with National Livestock Insurance applies for deaths from cold exposure even without visible structural failure. This matters when sudden cold fronts follow warm days and cattle may die quietly overnight. Contaminated feed or water coverage helps when algae blooms, run‑off or spoilage kills cattle after storms. Carcass removal coverage pays to dispose of dead cattle responsibly, avoiding disease and cleaning pens quickly.
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Imagine an early July storm rolls in with lightning strikes a hay feeder. A fire kills several head before staff can respond. You file a claim with National Livestock Insurance and insurance pays per valuation schedule.
In late May a flood overwhelms trench drains and pens fill quickly. Cattle drown. That loss is covered under flood or drowning protection National Livestock Insurance
December brings a snowstorm, wind fills pens with high drifts. Some cattle suffocate. Payment comes through smothering coverage with National Livestock Insurance.
January brings a cold snap where cattle are chilled to hypothermia; optional coverage takes care of those losses.
A sudden hailstorm in April collapses a pen gate crushing penned cattle. That is handled under building collapse with National Livestock Insurance.
If thieves open a pen gate and walk off with cattle the theft provision applies.
A water tank overflow post-storm leads to algae poisoning and death; contaminated feed or water coverage pays with National Livestock Insurance.
Insurance is a safety net, not a substitute for feeding care. Keeping pens drained, feeders maintained, troughs clean and pens shaded or sheltered helps reduce losses. Yards also require careful trailer transport, barn checks and seasonal prep. Claims require documentation and showing good care; neglect can delay or cancel coverage.
When loss happens, call your agent with National Livestock Insurance right away. Collect photos, vet or field notes, weather or incident reports and cattle inventory. Our adjusters understand High Plains feedlots. They verify cause and value and process payments based on the valuation schedule and optional riders if active. Carcass removal is added if elected. Backed by The Hartford’s A-plus financial strength, claims are paid promptly even during weather emergencies .
Whether you run a small yard or a seventy thousand head operation, coverage scales to your cattle numbers. You choose valuation levels and selected riders with National Livestock Insurance. As herds change, policies change with them. That flexibility keeps you covered through growth or contraction.
National Livestock Insurance has offered livestock insurance since 1972. Our underwriters know Hereford’s weather cycles and feedlot rhythms. We will walk your yard and will inspect pens and walk troughs under rain, spring freeze or snow warnings. We alert you before storms, spring floods or winter freezes. Our relationship is personal. National Livestock Insurance delivers coverage and insights with local knowledge.
Hereford feedlots face real threats from weather and accidents. Feedlot Cattle Insurance from National Livestock Insurance provides market value protection when cattle die from fire, lightning, windstorm, flood, drowning, building collapse, theft, vandalism or winter smothering. Optional riders for cold exposure, contaminated water, and carcass removal fill the real-outside gaps. When paired with good management, the policy is a true lifeline. We walk your pens, help you prepare for seasonal risk and pay fast when cattle are lost. Reach out to National Livestock Insurance in Amarillo today so your herd and your livelihood are protected under Texas Panhandle skies.
Protecting Your Livestock, Securing Your Future
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📞 Phone: (806) 372-3801
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