Lockney sits on the fertile plains of Floyd County, Texas, where cattle weighyards dot the horizon and agribusiness is woven into everyday life. For livestock owners and feedlot operators, knowing when to call ahead for help in unpredictable weather is essential. Feedlot Cattle Insurance from National Livestock Insurance in Amarillo exists for this reason. It protects your cattle when they die from specific causes by paying the market value listed in your valuation schedule. Veterinary bills and illness care are not included because this is designed as mortality protection only. It covers death from fire lightning windstorm flood drowning building collapse vandalism theft and blizzard smothering. Optional riders extend coverage to hypothermia contaminated feed or water and carcass removal.
Lockney has a semi‑arid climate, receiving around fifteen inches of rain yearly and experiencing temperature extremes. Summers see highs in the low nineties with occasional spikes into the upper nineties. Winter nights can drop below freezing. Most of the rain arrives during spring and early summer, sometimes overwhelming feedyard drainage and causing flash floods. Snowfall is infrequent but when it hits, windy conditions can drift snow into cattle pens. Lightning storms, wind gusts that topple buildings or feeders and damage fences and occasional livestock theft or vandalism can threaten cattle and the operation.
All of these conditions create a need for a policy with National Livestock Insurance that values your herd when cattle die from named events and ensures you can bounce back quickly.
Rather than a flat amount per head, this insurance is tied to a valuation schedule that you and your agent establish based on current market rates. If a thousand pound steer dies from a covered hazard you receive payment equal to its market value at that time. This ensures you have funds to replace your herd when disaster strikes.
Fire and lightning from spring and summer storms can destroy feeders or barns and kill cattle. Windstorms can collapse structures or fencing causing injury and death. Heavy rainfall in March, May, or June may flood pens before staff can respond leading to drowning losses. Winter weather in Lockney is mild by Panhandle standards but blowing snow during rare cold snaps can smother penned cattle. Theft or vandalism at remote feedlots does occur and the policy with National Livestock Insurance handles value loss. Each of these is a specified peril that triggers coverage under meteor conditions specific to feedlot environments.
Hypothermia coverage helps when cattle die suddenly from cold exposure during unexpected drops in temperature even without visible structural failure. Contaminated feed or water options apply when algae mold runs off or chemicals poison cattle through troughs or feed bins. Carcass removal riders cover the cost of disposing of dead cattle, which can be a serious expense in order to meet health and safety regulations and keep pens in working order.
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Imagine a spring afternoon where lightning strikes a hay feeder. Flames erupt and several cattle perish before crew members reach the scene. Coverage with National Livestock Insurance for fire and lightning pays the valuation schedule amount per head while carcass removal helps clean up the damage.
In May heavy rainfall overtops drainage ditches into pen troughs drowning cattle overnight. Flood and drowning protections kick in with payouts based on scheduled cattle value.
Winter can bring cold fronts overnight. Cattle die of hypothermia without visible structural damage. Optional coverage with National Livestock Insurance pays out for these losses so your bank balance stays intact.
A summer windstorm may collapse part of a barn or remove roof panels. Cattle caught under falling debris are treated under building collapse protection with National Livestock Insurance. If pens are cut and cattle wander away or stolen that loss is also recoverable.
One summer algae bloom in a water tank after stagnant warm days causes sudden cattle deaths. Contaminated feed and water coverage applies.
Insurance is not a substitute for operational care. You still maintain drainage systems, inspect fences, clean and cycle water tanks after storms and monitor pen integrity. A barn leaking water or bent feeders may mean denied claims later. Proper trailer ventilation during cattle transport protects your herd and keeps mortality coverage valid. Evidence of good feedlot management supports a clear claim path.
When cattle die from a covered event, call your agent with National Livestock Insurance immediately. Take clear photos of failures or damage and gather animal inventory and veterinarian or field assessment statements. Weather or incident documentation helps show coverage conditions were met. Our adjusters have experience with High Plains feedlots and will confirm cause and cattle counts. Based on valuation and options chosen you receive payment plus clean up costs if carcass removal applies. With backing from The Hartford and a stable financial footing you receive reliable payouts even during major events.
Whether your feedlot holds a few hundred or many thousands cattle this policy adjusts with your operation. Establish a valuation schedule based on herd type, weight, and value. Add or remove riders according to risk tolerance and seasons. As your operation changes we update valuations so coverage stays current.
National Livestock Insurance has focused on livestock only since 1972. Our Amarillo experts know Panhandle climate patterns including Lockney storm behavior, snow drift tendencies and windstorm trajectories. We do more than sell policies. We walk your pens, help evaluate drainage and feeder security and send seasonal reminders before spring storms or freeze events. We support Lockney feeders year round to manage risk and resolve loss.
Feedlot operations in Lockney face real threats from weather and environment. Fire, lightning, wind, floods, drowned pens, barn failures, theft, and snow smothering all put your herd’s value at risk. Feedlot Cattle Insurance from National Livestock Insurance protects the market worth of livestock based on valuation schedule and named perils. Optional riders are good for cold exposure, contaminated feed and water, and carcass removal makes coverage comprehensive. Good feedlot management underpins claims. When cattle die from covered causes you receive a fast payout with National Livestock Insurance so you can rebuild herd strength. Our Amarillo team remains by your side long after sale. We walk the yard, help prepare for seasonal threats and support recovery when misfortune strikes. Contact us today to protect your Lockney herd and your livelihood under High Plains skies.
Protecting Your Livestock, Securing Your Future
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📧 Email: brandon@longhornre.com
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