Crop-loss band · Montana
Fergus County, Montana — crop-loss band
- 1.64Low end of the filed band
- 2.53Middle of the filed band
- 4.19High end of the filed band
- 2016Worst year filed (4.30)
- 10Years filed
Every year the Risk Management Agency has filed for Fergus 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 1.64 at the low end to 4.19 at the high end, with 2.53 in the middle. The worst year filed is 2016, at 4.30. 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 | $503,196 | $825,595 | $3,296,090 | 138 | 138 | 1.64 |
| 2016 | $1,881,495 | $8,096,310 | $13,439,558 | 635 | 634 | 4.30 |
| 2017 | $1,663,705 | $3,803,484 | $10,142,040 | 497 | 496 | 2.29 |
| 2018 | $402,492 | $967,227 | $2,704,610 | 154 | 154 | 2.40 |
| 2019 | $803,500 | $2,290,965 | $5,389,625 | 241 | 237 | 2.85 |
| 2020 | $447,232 | $1,154,726 | $2,911,249 | 157 | 152 | 2.58 |
| 2021 | $3,905,110 | $16,348,869 | $28,480,291 | 938 | 934 | 4.19 |
| 2022 | $3,530,642 | $10,904,728 | $24,414,415 | 779 | 779 | 3.09 |
| 2023 | $1,235,101 | $2,778,744 | $7,017,469 | 139 | 139 | 2.25 |
| 2024 | $2,036,337 | $5,146,544 | $13,639,591 | 373 | 373 | 2.53 |
Commodities insured in Fergus County
6 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.
Wheat 10 years filed
- 1.77Low end of the filed band
- 2.72Middle of the filed band
- 4.46High end of the filed band
- 2016Worst year filed (5.55)
- 10Years filed
- $8,331,387Premium filed
- $29,194,209Indemnity paid
- $62,828,992Liability insured
- 386,173Quantity planted
- 386,172Quantity lost
- 1,868Policies
- 1,867Policies with a loss
- 3.50Loss ratio, whole span
Causes that carried the indemnity in Fergus County
- Drought $13,797,007 indemnity · 10 years
- Hail $9,389,792 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $1,250,926 indemnity · 8 years
- Cold Winter $1,007,906 indemnity · 9 years
- Heat $749,578 indemnity · 10 years
- Decline in Price $565,902 indemnity · 9 years
Forage Production 10 years filed
- 1.24Low end of the filed band
- 2.50Middle of the filed band
- 4.21High end of the filed band
- 2021Worst year filed (4.96)
- 10Years filed
- $3,435,635Premium filed
- $12,194,475Indemnity paid
- $24,129,932Liability insured
- 224,308Quantity planted
- 224,705Quantity lost
- 1,163Policies
- 1,154Policies with a loss
- 3.55Loss ratio, whole span
Causes that carried the indemnity in Fergus County
- Drought $8,924,794 indemnity · 10 years
- Hail $1,287,223 indemnity · 9 years
- Frost $378,264 indemnity · 7 years
- Cold Wet Weather $359,036 indemnity · 4 years
- Freeze $256,850 indemnity · 9 years
- Heat $249,125 indemnity · 8 years
Barley 10 years filed
- 0.98Low end of the filed band
- 2.38Middle of the filed band
- 3.48High end of the filed band
- 2016Worst year filed (3.92)
- 10Years filed
- $1,978,903Premium filed
- $5,620,518Indemnity paid
- $10,555,256Liability insured
- 91,127Quantity planted
- 91,458Quantity lost
- 570Policies
- 570Policies with a loss
- 2.84Loss ratio, whole span
Causes that carried the indemnity in Fergus County
- Drought $3,449,853 indemnity · 10 years
- Hail $1,320,979 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $316,286 indemnity · 7 years
- Heat $218,479 indemnity · 8 years
- Insects $77,614 indemnity · 5 years
- XX $66,068 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 0.86Low end of the filed band
- 1.82Middle of the filed band
- 2.76High end of the filed band
- 2017Worst year filed (4.88)
- 10Years filed
- $1,498,392Premium filed
- $2,958,377Indemnity paid
- $8,623,759Liability insured
- 586,814Quantity planted
- 0Quantity lost
- 173Policies
- 173Policies with a loss
- 1.97Loss ratio, whole span
Causes that carried the indemnity in Fergus County
- ARPI/SCO/STAX Crops Only $2,958,377 indemnity · 10 years
Dry Peas 10 years filed
- 1.22Low end of the filed band
- 1.65Middle of the filed band
- 2.73High end of the filed band
- 2023Worst year filed (4.36)
- 10Years filed
- $865,378Premium filed
- $1,805,713Indemnity paid
- $3,561,496Liability insured
- 28,772Quantity planted
- 28,805Quantity lost
- 203Policies
- 198Policies with a loss
- 2.09Loss ratio, whole span
Causes that carried the indemnity in Fergus County
- Drought $920,941 indemnity · 5 years
- Hail $456,481 indemnity · 5 years
- Heat $210,820 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $100,683 indemnity · 7 years
- Hot Wind $48,642 indemnity · 2 years
- Wind/Excess Wind $41,692 indemnity · 1 years
Apiculture 5 years filed
- 1.45Low end of the filed band
- 1.94Middle of the filed band
- 2.37High end of the filed band
- 2021Worst year filed (2.37)
- 5Years filed
- $299,114Premium filed
- $543,900Indemnity paid
- $1,735,503Liability insured
- 7,324Quantity planted
- 0Quantity lost
- 74Policies
- 74Policies with a loss
- 1.82Loss ratio, whole span
Causes that carried the indemnity in Fergus County
- ARPI/SCO/STAX/MP/HIP WI Crops Only $543,900 indemnity · 5 years
Every county-crop the agency files in Montana → Buy the Fergus 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.