Crop-loss band · Minnesota
Norman County, Minnesota — crop-loss band
- 1.72Low end of the filed band
- 2.33Middle of the filed band
- 3.91High end of the filed band
- 2019Worst year filed (4.67)
- 10Years filed
Every year the Risk Management Agency has filed for Norman 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 1.72 at the low end to 3.91 at the high end, with 2.33 in the middle. The worst year filed is 2019, at 4.67. 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 | $580,954 | $1,036,227 | $3,713,772 | 98 | 98 | 1.78 |
| 2016 | $1,405,683 | $3,279,039 | $12,137,860 | 228 | 228 | 2.33 |
| 2017 | $2,464,756 | $4,572,301 | $14,458,829 | 219 | 219 | 1.86 |
| 2018 | $1,172,955 | $3,484,990 | $8,812,619 | 238 | 238 | 2.97 |
| 2019 | $5,815,913 | $27,161,702 | $50,473,967 | 1,388 | 1,385 | 4.67 |
| 2020 | $4,871,270 | $17,092,644 | $29,066,059 | 649 | 646 | 3.51 |
| 2021 | $11,655,775 | $27,138,558 | $101,157,356 | 842 | 842 | 2.33 |
| 2022 | $3,140,603 | $10,670,685 | $20,354,770 | 427 | 427 | 3.40 |
| 2023 | $3,161,002 | $5,449,622 | $24,808,120 | 326 | 326 | 1.72 |
| 2024 | $6,697,372 | $26,195,342 | $53,424,777 | 832 | 832 | 3.91 |
Commodities insured in Norman County
9 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
- 1.47Low end of the filed band
- 2.27Middle of the filed band
- 4.35High end of the filed band
- 2022Worst year filed (4.72)
- 10Years filed
- $16,385,525Premium filed
- $50,449,901Indemnity paid
- $106,912,460Liability insured
- 231,769Quantity planted
- 230,583Quantity lost
- 1,117Policies
- 1,114Policies with a loss
- 3.08Loss ratio, whole span
Causes that carried the indemnity in Norman County
- Excess Moisture/Precipitation/Rain $21,838,808 indemnity · 9 years
- Drought $12,216,280 indemnity · 8 years
- Cold Wet Weather $9,744,962 indemnity · 7 years
- Hail $4,511,709 indemnity · 4 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,463,903 indemnity · 3 years
- Decline in Price $352,289 indemnity · 6 years
Soybeans 10 years filed
- 1.65Low end of the filed band
- 2.12Middle of the filed band
- 2.84High end of the filed band
- 2024Worst year filed (4.34)
- 10Years filed
- $13,599,278Premium filed
- $33,741,599Indemnity paid
- $104,269,338Liability insured
- 331,605Quantity planted
- 328,267Quantity lost
- 1,500Policies
- 1,500Policies with a loss
- 2.48Loss ratio, whole span
Causes that carried the indemnity in Norman County
- Drought $16,955,477 indemnity · 8 years
- Hail $8,351,458 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $5,521,977 indemnity · 9 years
- Cold Wet Weather $1,219,953 indemnity · 8 years
- Decline in Price $579,911 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $363,306 indemnity · 2 years
Sugar Beets 10 years filed
- 1.00Low end of the filed band
- 2.39Middle of the filed band
- 7.78High end of the filed band
- 2019Worst year filed (11.35)
- 10Years filed
- $2,993,902Premium filed
- $18,084,132Indemnity paid
- $42,263,679Liability insured
- 37,688Quantity planted
- 35,431Quantity lost
- 1,035Policies
- 1,035Policies with a loss
- 6.04Loss ratio, whole span
Causes that carried the indemnity in Norman County
- Excess Moisture/Precipitation/Rain $6,279,278 indemnity · 8 years
- Cold Wet Weather $3,856,318 indemnity · 5 years
- Freeze $2,161,135 indemnity · 6 years
- Other (Snow, Lightning, Etc.) $1,866,120 indemnity · 2 years
- Drought $1,479,087 indemnity · 5 years
- All Other Causes $817,073 indemnity · 1 years
Wheat 10 years filed
- 1.86Low end of the filed band
- 2.50Middle of the filed band
- 3.37High end of the filed band
- 2024Worst year filed (5.48)
- 10Years filed
- $4,935,087Premium filed
- $16,086,635Indemnity paid
- $46,721,106Liability insured
- 161,926Quantity planted
- 157,233Quantity lost
- 889Policies
- 886Policies with a loss
- 3.26Loss ratio, whole span
Causes that carried the indemnity in Norman County
- Excess Moisture/Precipitation/Rain $5,309,008 indemnity · 9 years
- Drought $2,950,984 indemnity · 9 years
- Hail $2,716,955 indemnity · 6 years
- Falling Numbers $2,044,835 indemnity · 3 years
- Cold Wet Weather $1,942,438 indemnity · 5 years
- Decline in Price $365,795 indemnity · 8 years
Dry Beans 9 years filed
- 2.01Low end of the filed band
- 2.52Middle of the filed band
- 4.43High end of the filed band
- 2018Worst year filed (4.43)
- 9Years filed
- $1,664,644Premium filed
- $4,889,188Indemnity paid
- $10,016,611Liability insured
- 21,126Quantity planted
- 19,664Quantity lost
- 122Policies
- 122Policies with a loss
- 2.94Loss ratio, whole span
Causes that carried the indemnity in Norman County
- Hail $1,966,757 indemnity · 4 years
- Drought $1,097,235 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $1,075,757 indemnity · 8 years
- Cold Wet Weather $426,833 indemnity · 3 years
- Frost $120,670 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $103,820 indemnity · 1 years
Apiculture 8 years filed
- 0.94Low end of the filed band
- 2.30Middle of the filed band
- 3.71High end of the filed band
- 2021Worst year filed (3.71)
- 8Years filed
- $458,386Premium filed
- $987,487Indemnity paid
- $2,892,259Liability insured
- 16,174Quantity planted
- 0Quantity lost
- 58Policies
- 58Policies with a loss
- 2.15Loss ratio, whole span
Causes that carried the indemnity in Norman County
- ARPI/SCO/STAX/MP Crops Only $987,487 indemnity · 8 years
Sunflowers 8 years filed
- 0.28Low end of the filed band
- 1.33Middle of the filed band
- 5.20High end of the filed band
- 2019Worst year filed (5.20)
- 8Years filed
- $401,700Premium filed
- $871,407Indemnity paid
- $2,150,928Liability insured
- 8,690Quantity planted
- 8,678Quantity lost
- 61Policies
- 61Policies with a loss
- 2.17Loss ratio, whole span
Causes that carried the indemnity in Norman County
- Other (Snow, Lightning, Etc.) $260,312 indemnity · 1 years
- Wind/Excess Wind $180,472 indemnity · 3 years
- Cold Wet Weather $147,699 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $110,505 indemnity · 6 years
- Drought $83,976 indemnity · 2 years
- Hail $55,284 indemnity · 2 years
Pasture,Rangeland,Forage 9 years filed
- 0.80Low end of the filed band
- 2.01Middle of the filed band
- 3.16High end of the filed band
- 2021Worst year filed (3.16)
- 9Years filed
- $277,675Premium filed
- $485,595Indemnity paid
- $1,621,507Liability insured
- 17,961Quantity planted
- 0Quantity lost
- 403Policies
- 403Policies with a loss
- 1.75Loss ratio, whole span
Causes that carried the indemnity in Norman County
- ARPI/SCO/STAX/MP Crops Only $485,595 indemnity · 9 years
Barley 9 years filed
- 0.70Low end of the filed band
- 2.52Middle of the filed band
- 3.17High end of the filed band
- 2024Worst year filed (3.17)
- 9Years filed
- $250,086Premium filed
- $485,166Indemnity paid
- $1,560,242Liability insured
- 6,844Quantity planted
- 6,701Quantity lost
- 62Policies
- 62Policies with a loss
- 1.94Loss ratio, whole span
Causes that carried the indemnity in Norman County
- Excess Moisture/Precipitation/Rain $250,954 indemnity · 6 years
- Drought $135,623 indemnity · 5 years
- Hail $58,114 indemnity · 2 years
- Decline in Price $19,017 indemnity · 3 years
- Cold Wet Weather $18,897 indemnity · 2 years
- Heat $2,179 indemnity · 2 years
Every county-crop the agency files in Minnesota → Buy the Norman 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.