Crop-loss band · Montana
Garfield County, Montana — crop-loss band
- 1.57Low end of the filed band
- 2.49Middle of the filed band
- 4.03High end of the filed band
- 2021Worst year filed (4.60)
- 10Years filed
Every year the Risk Management Agency has filed for Garfield 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 1.57 at the low end to 4.03 at the high end, with 2.49 in the middle. The worst year filed is 2021, at 4.60. 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 | $209,061 | $402,393 | $1,154,916 | 57 | 57 | 1.92 |
| 2016 | $347,288 | $1,114,365 | $1,898,019 | 41 | 41 | 3.21 |
| 2017 | $384,729 | $1,551,403 | $2,378,876 | 73 | 73 | 4.03 |
| 2018 | $145,229 | $451,325 | $738,430 | 26 | 26 | 3.11 |
| 2019 | $63,769 | $158,749 | $392,944 | 24 | 24 | 2.49 |
| 2020 | $230,975 | $405,083 | $1,200,347 | 36 | 36 | 1.75 |
| 2021 | $867,641 | $3,994,749 | $4,865,495 | 133 | 132 | 4.60 |
| 2022 | $1,767,259 | $5,106,521 | $8,606,247 | 233 | 233 | 2.89 |
| 2023 | $1,145,177 | $1,793,250 | $4,875,865 | 117 | 117 | 1.57 |
| 2024 | $751,693 | $1,469,415 | $3,613,135 | 85 | 85 | 1.95 |
Commodities insured in Garfield County
4 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
- 1.39Low end of the filed band
- 2.73Middle of the filed band
- 4.13High end of the filed band
- 2021Worst year filed (5.20)
- 10Years filed
- $3,638,100Premium filed
- $10,401,581Indemnity paid
- $18,845,395Liability insured
- 162,886Quantity planted
- 166,751Quantity lost
- 423Policies
- 422Policies with a loss
- 2.86Loss ratio, whole span
Causes that carried the indemnity in Garfield County
- Drought $4,666,987 indemnity · 8 years
- Hail $2,686,451 indemnity · 6 years
- Insects $1,441,335 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $371,000 indemnity · 5 years
- Cold Winter $311,426 indemnity · 4 years
- Wind/Excess Wind $255,389 indemnity · 4 years
Dry Peas 9 years filed
- 1.88Low end of the filed band
- 3.09Middle of the filed band
- 4.50High end of the filed band
- 2021Worst year filed (4.50)
- 9Years filed
- $976,076Premium filed
- $3,273,233Indemnity paid
- $4,522,603Liability insured
- 29,896Quantity planted
- 29,896Quantity lost
- 93Policies
- 93Policies with a loss
- 3.35Loss ratio, whole span
Causes that carried the indemnity in Garfield County
- Hail $1,893,451 indemnity · 6 years
- Drought $828,939 indemnity · 6 years
- Wind/Excess Wind $339,908 indemnity · 4 years
- Insects $113,986 indemnity · 3 years
- Cold Wet Weather $39,798 indemnity · 2 years
- Heat $28,709 indemnity · 1 years
Forage Production 10 years filed
- 1.09Low end of the filed band
- 1.75Middle of the filed band
- 3.35High end of the filed band
- 2017Worst year filed (4.40)
- 10Years filed
- $574,212Premium filed
- $1,448,956Indemnity paid
- $2,012,242Liability insured
- 36,341Quantity planted
- 36,918Quantity lost
- 172Policies
- 172Policies with a loss
- 2.52Loss ratio, whole span
Causes that carried the indemnity in Garfield County
- Drought $850,949 indemnity · 9 years
- Insects $230,084 indemnity · 6 years
- Freeze $113,693 indemnity · 4 years
- Hail $83,682 indemnity · 2 years
- Frost $48,209 indemnity · 4 years
- XX $46,992 indemnity · 2 years
Pasture,Rangeland,Forage 9 years filed
- 0.10Low end of the filed band
- 1.49Middle of the filed band
- 3.31High end of the filed band
- 2021Worst year filed (3.31)
- 9Years filed
- $724,433Premium filed
- $1,323,483Indemnity paid
- $4,344,034Liability insured
- 374,645Quantity planted
- 0Quantity lost
- 137Policies
- 137Policies with a loss
- 1.83Loss ratio, whole span
Causes that carried the indemnity in Garfield County
- ARPI/SCO/STAX Crops Only $1,323,483 indemnity · 9 years
Every county-crop the agency files in Montana → Buy the Garfield 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.