Crop-loss band · Minnesota
Houston County, Minnesota — crop-loss band
- 1.67Low end of the filed band
- 2.44Middle of the filed band
- 3.20High end of the filed band
- 2023Worst year filed (3.62)
- 10Years filed
Every year the Risk Management Agency has filed for Houston 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 1.67 at the low end to 3.20 at the high end, with 2.44 in the middle. The worst year filed is 2023, at 3.62. 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 | $330,322 | $681,479 | $4,433,116 | 100 | 100 | 2.06 |
| 2016 | $175,385 | $484,868 | $2,081,375 | 65 | 65 | 2.76 |
| 2017 | $393,612 | $656,300 | $5,065,731 | 121 | 120 | 1.67 |
| 2018 | $980,173 | $2,192,973 | $12,842,947 | 249 | 249 | 2.24 |
| 2019 | $736,294 | $2,357,762 | $8,000,730 | 187 | 187 | 3.20 |
| 2020 | $355,140 | $865,792 | $5,079,209 | 97 | 97 | 2.44 |
| 2021 | $272,020 | $504,748 | $3,078,610 | 71 | 71 | 1.86 |
| 2022 | $238,793 | $659,024 | $2,598,554 | 55 | 55 | 2.76 |
| 2023 | $2,670,659 | $9,673,974 | $42,758,728 | 460 | 460 | 3.62 |
| 2024 | $730,715 | $1,866,659 | $9,010,439 | 176 | 176 | 2.55 |
Commodities insured in Houston County
3 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.
Corn 10 years filed
- 1.70Low end of the filed band
- 2.35Middle of the filed band
- 4.11High end of the filed band
- 2022Worst year filed (4.92)
- 10Years filed
- $3,599,410Premium filed
- $11,925,946Indemnity paid
- $61,508,243Liability insured
- 79,292Quantity planted
- 79,123Quantity lost
- 898Policies
- 898Policies with a loss
- 3.31Loss ratio, whole span
Causes that carried the indemnity in Houston County
- Drought $6,965,509 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $2,716,239 indemnity · 10 years
- Decline in Price $709,667 indemnity · 7 years
- Cold Wet Weather $440,646 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $415,715 indemnity · 1 years
- Wind/Excess Wind $291,908 indemnity · 6 years
Soybeans 10 years filed
- 0.73Low end of the filed band
- 1.97Middle of the filed band
- 2.89High end of the filed band
- 2019Worst year filed (3.08)
- 10Years filed
- $2,233,954Premium filed
- $5,120,963Indemnity paid
- $28,454,987Liability insured
- 53,940Quantity planted
- 52,995Quantity lost
- 615Policies
- 614Policies with a loss
- 2.29Loss ratio, whole span
Causes that carried the indemnity in Houston County
- Drought $1,966,579 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $1,623,553 indemnity · 9 years
- Decline in Price $570,623 indemnity · 6 years
- Hail $447,312 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $215,197 indemnity · 3 years
- Cold Wet Weather $106,483 indemnity · 8 years
All Other Crops 10 years filed
- 0.78Low end of the filed band
- 2.94Middle of the filed band
- 4.15High end of the filed band
- 2015Worst year filed (4.32)
- 10Years filed
- $1,049,749Premium filed
- $2,896,670Indemnity paid
- $4,986,209Liability insured
- 5,219Quantity planted
- 5,218Quantity lost
- 68Policies
- 68Policies with a loss
- 2.76Loss ratio, whole span
Causes that carried the indemnity in Houston County
- Hail $980,004 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $708,088 indemnity · 6 years
- Drought $539,520 indemnity · 4 years
- Cold Winter $263,107 indemnity · 2 years
- Heat $198,932 indemnity · 2 years
- Cold Wet Weather $172,875 indemnity · 2 years
Every county-crop the agency files in Minnesota → Buy the Houston 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.