Crop-loss band · Minnesota
Clearwater County, Minnesota — crop-loss band
- 1.74Low end of the filed band
- 2.30Middle of the filed band
- 3.15High end of the filed band
- 2019Worst year filed (3.36)
- 10Years filed
Every year the Risk Management Agency has filed for Clearwater County is in the series below, from 2015 to 2024. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.74 at the low end to 3.15 at the high end, with 2.30 in the middle. The worst year filed is 2019, at 3.36. The band points are years the county actually ran, never a figure interpolated between two of them.
The county’s year-by-year record
| Year | Premium | Indemnity | Liability | Policies | Policies with a loss | Loss ratio |
|---|---|---|---|---|---|---|
| 2015 | $251,854 | $572,142 | $1,383,572 | 37 | 37 | 2.27 |
| 2016 | $119,741 | $208,434 | $581,532 | 25 | 25 | 1.74 |
| 2017 | $428,995 | $985,185 | $2,467,798 | 31 | 31 | 2.30 |
| 2018 | $356,538 | $907,408 | $2,069,967 | 60 | 60 | 2.55 |
| 2019 | $597,694 | $2,008,573 | $3,312,449 | 134 | 134 | 3.36 |
| 2020 | $672,288 | $2,115,255 | $4,086,542 | 106 | 106 | 3.15 |
| 2021 | $1,743,236 | $3,847,834 | $10,115,179 | 197 | 197 | 2.21 |
| 2022 | $1,398,924 | $2,763,533 | $4,956,410 | 155 | 155 | 1.98 |
| 2023 | $693,604 | $1,694,870 | $4,564,205 | 193 | 193 | 2.44 |
| 2024 | $1,175,620 | $2,856,925 | $5,643,866 | 236 | 236 | 2.43 |
Commodities insured in Clearwater County
5 commodities here clear the desk’s floors — at least five filed years and a quarter of a million dollars of filed premium. Each carries its own band, so a reader can read the commodity they actually farm rather than the county average.
Soybeans 10 years filed
- 1.65Low end of the filed band
- 2.12Middle of the filed band
- 2.63High end of the filed band
- 2020Worst year filed (3.14)
- 10Years filed
- $2,870,457Premium filed
- $6,340,037Indemnity paid
- $14,058,571Liability insured
- 54,831Quantity planted
- 55,699Quantity lost
- 284Policies
- 284Policies with a loss
- 2.21Loss ratio, whole span
Causes that carried the indemnity in Clearwater County
- Drought $3,000,480 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $2,399,670 indemnity · 6 years
- Frost $417,989 indemnity · 3 years
- Cold Wet Weather $173,805 indemnity · 4 years
- Decline in Price $113,240 indemnity · 6 years
- Plant Disease $86,387 indemnity · 1 years
Corn 10 years filed
- 0.55Low end of the filed band
- 1.86Middle of the filed band
- 4.16High end of the filed band
- 2019Worst year filed (5.16)
- 10Years filed
- $2,097,369Premium filed
- $4,800,249Indemnity paid
- $8,805,667Liability insured
- 20,980Quantity planted
- 20,980Quantity lost
- 112Policies
- 112Policies with a loss
- 2.29Loss ratio, whole span
Causes that carried the indemnity in Clearwater County
- Excess Moisture/Precipitation/Rain $2,214,905 indemnity · 7 years
- Drought $2,115,499 indemnity · 7 years
- Cold Wet Weather $295,769 indemnity · 3 years
- Frost $150,793 indemnity · 1 years
- Insects $15,766 indemnity · 1 years
- Hail $4,404 indemnity · 1 years
Wheat 10 years filed
- 1.00Low end of the filed band
- 2.44Middle of the filed band
- 2.90High end of the filed band
- 2017Worst year filed (3.62)
- 10Years filed
- $1,050,791Premium filed
- $2,445,456Indemnity paid
- $5,436,375Liability insured
- 24,815Quantity planted
- 24,876Quantity lost
- 186Policies
- 186Policies with a loss
- 2.33Loss ratio, whole span
Causes that carried the indemnity in Clearwater County
- Excess Moisture/Precipitation/Rain $1,259,752 indemnity · 6 years
- Drought $672,299 indemnity · 6 years
- Cold Wet Weather $251,393 indemnity · 3 years
- XX $130,628 indemnity · 3 years
- Decline in Price $39,912 indemnity · 6 years
- Falling Numbers $34,157 indemnity · 2 years
All Other Crops 8 years filed
- 1.90Low end of the filed band
- 5.05Middle of the filed band
- 27.06High end of the filed band
- 2024Worst year filed (27.06)
- 8Years filed
- $325,953Premium filed
- $2,250,605Indemnity paid
- $4,412,449Liability insured
- 10,829Quantity planted
- 4,517Quantity lost
- 47Policies
- 47Policies with a loss
- 6.90Loss ratio, whole span
Causes that carried the indemnity in Clearwater County
- Wind/Excess Wind $1,628,620 indemnity · 3 years
- ARPI/SCO/STAX Crops Only $345,252 indemnity · 4 years
- Cold Wet Weather $132,437 indemnity · 2 years
- Heat $68,900 indemnity · 1 years
- Cold Winter $34,570 indemnity · 1 years
- Drought $29,055 indemnity · 2 years
Pasture,Rangeland,Forage 9 years filed
- 1.01Low end of the filed band
- 1.95Middle of the filed band
- 3.64High end of the filed band
- 2021Worst year filed (3.64)
- 9Years filed
- $1,093,924Premium filed
- $2,123,812Indemnity paid
- $6,468,458Liability insured
- 91,173Quantity planted
- 0Quantity lost
- 545Policies
- 545Policies with a loss
- 1.94Loss ratio, whole span
Causes that carried the indemnity in Clearwater County
- ARPI/SCO/STAX/MP Crops Only $2,123,812 indemnity · 9 years
Every county-crop the agency files in Minnesota → Buy the Clearwater County dossier →
Figures from the federal source files: EPA’s ECHO downloads, CMS provider files and the FMCSA census.
County cause-of-loss figures from the USDA Risk Management Agency’s Cause of Loss Summary of Business, county files, filed by the agency as a United States Government work. The loss ratio is the agency’s own published column: indemnity divided by premium, re-derived at the summed county-crop grain.