Developing approaches to assess the impact of tephra fall to agricultural and forestry systems is essential for informing effective disaster risk management strategies. Fragility functions are commonly used as the vulnerability model within a loss assessment framework and represent the relationship between a given hazard intensity measure (e.g., tephra thickness) and the probability of impacts occurring. Impacts are represented here using an impact state (IS), which categorises qualitative and quantitative statements into a numeric scale. This study presents IS schemes for pastoral, horticultural, and forestry systems, and a suite of fragility functions estimating the probability of each IS occurring for 13 sub-sectors. Temporal vulnerability is accounted for by a ‘seasonality coefficient,’ and a ‘chemical toxicity coefficient’ is included to incorporate the increased vulnerability of pastoral farming systems when tephra is high in fluoride. The fragility functions are then used to demonstrate a deterministic impact assessment with current New Zealand exposure.