In Texhoma, Oklahoma, a tight-knit community sitting on the Oklahoma-Texas line, successful feedlots are a central part of life. Success doesn’t come without hazards. Whether you're managing a large feedlot or a modest operation, feedlot cattle face common hazards on the High Plains: heat, cold, wind, storms, water risks, and even theft or vandalism. That’s where Feedlot Cattle Insurance from National Livestock Insurance comes in and is designed for Texhoma's specific needs and risks.
At its core, National Livestock Insurance covers your animals’ insured value under the valuation schedule when they die from specific causes. These include fire, lightning, windstorm, flood, drowning, building collapse, theft, vandalism, or smothering caused by blizzards. You can also choose optional add-ons for hypothermia, carcass removal, and contaminated feed or water. This coverage doesn’t extend to vet bills or illnesses, only death benefits based on value.
Rather than a flat rate, payouts are based on the valuation schedule, which reflects market prices for different cattle types. If a black Angus steer dies in a covered loss, the policy pays the current schedule amount. This means you don't rely solely on resale value, but you get a transparent payout that mirrors the actual market.
Texhoma, Oklahoma, sits in a volatile weather zone. Lightning can spark barns. Windstorms can devastate structures. Poorly maintained pens can collapse under wind or sudden snow load, injuring livestock. When barns catch fire or pens collapse, your covered losses are paid, maintaining business continuity.
Though Texhoma only gets around 17 inches of annual rain, heavy storms and poor drainage can flood yards. Floodwaters trap cattle; pens may leave them stranded or drown. Death from drowning or flood is covered, protecting your herd’s value in those unforgiving moments.
Feedlots in remote areas sometimes see trespassers after nightfall, which may lead to vandalism or stolen animals. If someone cuts a fence and livestock goes missing, or vandalism leads to death, you're covered, minimizing the financial hit.
Panhandle snowstorms can arrive fast. Snow drifts accumulate in pens, burying cattle. The National Weather Service has recorded winter storms that have led to cattle fatalities across the region. If smothering happens due to blizzard-level snow, your policy covers those deaths, reducing economic pain in timing-sensitive seasons.
Surprising temperature swings, like downbursts after hot days, can cause hypothermia, even if snow hasn’t fallen. Once livestock show signs of chilling, your coverage steps in if death results.
Contaminated feed or water is a sneaky but real threat. Maybe a broken tank introduces chemicals. Maybe mold grows in bulk feed during a heat spell. If contaminated consumption causes death and you follow proper storage protocols, losses are covered, providing financial relief in a muddy situation.
Removing dead animals is costly. Left unattended, carcasses spread disease or attract predators. Carcass removal coverage pays those hauling and disposal fees, helping keep your feedlot clean and legal.
Texhoma’s weather swings are dramatic. Summer highs average 90°F–92°F for weeks, risking heat stress when cattle overheat. Winters dip to lows of 20°F or lower, and snowfall can bury yards. Flash flooding after storms compounds the problems.
Grass-root research in the Texas and Oklahoma Panhandle shows that weather extremes, especially winter storms, lead to spikes in cattle mortality, up to 30,000 head in some events. With unpredictable wind, sun, storm, and snow cycles, cattle survival drops fast, without warning.
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Transport adds another layer of risk. Heat and cold affect cattle during transit, especially when crossing state lines. Each feedlot truck passing over the line understands how fast ambient temperatures can shift. That’s why clean, well-ventilated trailers, secure gates, and proper spacing matter. A delay during a storm or highway accident can turn deadly. Your insurance requires reasonable care—if death happens despite your efforts and covered circumstances, the claim stands.
Proper onsite management also matters. Maintain drainage, test feed and water after storms, check pens for wind damage, ash, and flood residue. Shade cloths in summer and windbreaks in winter don’t just support cattle, they preserve your insurance’s validity and prevent claims denial.
Imagine a sudden windstorm rips barn panels. Pens collapse, cattle are injured, and some don't survive. With coverage, cattle value under the schedule is paid, and you rebuild quickly.
Picture a torrential rainstorm flooding pens overnight. Cattle drown before anyone realizes it. You call, document, and claim against the flood and drowning coverage.
During an icy spring storm, contaminated runoff enters feed tanks. Livestock get sick and die. Covered under contaminated feed water and carcass removal, your feedlot isn’t left holding the bag.
A man dismantles a fence to free cattle, leaving them lost and later, stolen. Theft coverage reimburses your loss amount.
When loss occurs, report immediately. A quick vet or field statement, photos, and weather or event documentation help. Adjusters experienced in Panhandle conditions assess deaths and align payments with your valuation schedule quickly. With The Hartford’s A+ financial strength, payouts arrive promptly, even during storms or after-hours emergencies.
Whether you run a small, 2,000-head pen or support large operations, this coverage scales. You choose your valuation schedule, select riders that matter to your risk profile, and set limits based on your budget. Grow your operation, update valuations, and coverage moves with you.
Texhoma cattle feeders juggle market timing, seasonal shipment windows, and regulatory requirements. Insurance acts as a safety valve, handling losses so your cattle and cash flow stay on schedule.
Our agency specializes in livestock, not general agriculture. Since 1972, we’ve concentrated on what matters to cattle operations in places like Texhoma, high-risk weather, open yards, and cross-border transport. We understand cattle operations are twice the size and twice as remote.
Backed by The Hartford—rated A+ by Best’s—you don’t just get coverage. You get financial assurance. You don't need to wonder if your claim will be paid. You know it will be because we have the history and strength to ensure it.
Protecting your herd starts by reaching out to National Livestock Insurance in Amarillo, Texas. Invite us for a yard walkthrough, and we'll review pen structures, feed storage, transport routines, and value schedules. We'll help you weigh risks like hypothermia or carcass removal to build a customized policy.
Once in place, we stay involved, sending seasonal reminders, feed test alerts, pen inspections, and valuation updates. That ongoing partnership helps prevent losses and keeps coverage active.
Texhoma’s feedlot country thrives on cattle, rugged conditions, and community spirit. But nature throws curveballs, heat waves, floods, storms, theft, or sudden collapse. Feedlot Cattle Insurance from National Livestock locks down your herd’s value when disaster hits from heat or frozen days, blizzards or contaminated feed, drowning or vandalism.
This isn’t just insurance. It's a partnership backed by 50 years of livestock expertise and The Hartford’s financial strength. When cattle go down, you get paid, your operation recovers, and you keep feeding forward.
Call or email us today. Let’s build your insurance plan that fits Texhoma's demands and keeps your cattle and your business standing strong through every storm.
Protecting Your Livestock, Securing Your Future
📍 Address: 619 S Tyler St Suite 95, Amarillo, TX 79101
📞 Phone: (806) 372-3801
📧 Email: brandon@longhornre.com
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