Crop-loss band · Montana
Liberty County, Montana — crop-loss band
- 1.49Low end of the filed band
- 1.72Middle of the filed band
- 3.01High end of the filed band
- 2022Worst year filed (3.07)
- 10Years filed
Every year the Risk Management Agency has filed for Liberty 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 1.49 at the low end to 3.01 at the high end, with 1.72 in the middle. The worst year filed is 2022, at 3.07. 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 | $4,296,682 | $11,818,705 | $23,774,304 | 686 | 686 | 2.75 |
| 2016 | $787,776 | $1,355,021 | $4,001,142 | 116 | 115 | 1.72 |
| 2017 | $1,820,492 | $2,862,347 | $7,590,657 | 235 | 235 | 1.57 |
| 2018 | $1,808,459 | $2,693,550 | $8,322,800 | 214 | 213 | 1.49 |
| 2019 | $2,968,527 | $5,104,529 | $13,556,439 | 352 | 352 | 1.72 |
| 2020 | $1,346,157 | $2,042,528 | $5,929,419 | 191 | 190 | 1.52 |
| 2021 | $8,856,144 | $26,617,043 | $42,093,603 | 841 | 841 | 3.01 |
| 2022 | $15,333,646 | $47,136,025 | $71,203,381 | 1,117 | 1,117 | 3.07 |
| 2023 | $10,423,982 | $22,229,626 | $43,400,861 | 687 | 687 | 2.13 |
| 2024 | $11,238,922 | $21,530,920 | $47,477,357 | 744 | 744 | 1.92 |
Commodities insured in Liberty County
8 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
- 1.35Low end of the filed band
- 1.99Middle of the filed band
- 3.14High end of the filed band
- 2022Worst year filed (3.18)
- 10Years filed
- $28,485,493Premium filed
- $73,070,316Indemnity paid
- $150,494,144Liability insured
- 839,475Quantity planted
- 838,062Quantity lost
- 2,806Policies
- 2,805Policies with a loss
- 2.57Loss ratio, whole span
Causes that carried the indemnity in Liberty County
- Drought $34,406,131 indemnity · 10 years
- Hail $13,205,037 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $12,487,223 indemnity · 9 years
- Heat $4,793,252 indemnity · 10 years
- Cold Winter $3,013,301 indemnity · 9 years
- Wind/Excess Wind $1,824,100 indemnity · 6 years
Dry Peas 10 years filed
- 1.39Low end of the filed band
- 1.81Middle of the filed band
- 2.99High end of the filed band
- 2021Worst year filed (3.13)
- 10Years filed
- $20,307,255Premium filed
- $45,983,342Indemnity paid
- $73,426,305Liability insured
- 348,477Quantity planted
- 348,828Quantity lost
- 1,245Policies
- 1,245Policies with a loss
- 2.26Loss ratio, whole span
Causes that carried the indemnity in Liberty County
- Drought $22,420,287 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $8,289,775 indemnity · 6 years
- Hail $7,718,083 indemnity · 9 years
- Heat $5,665,904 indemnity · 9 years
- Decline in Price $918,958 indemnity · 8 years
- Wind/Excess Wind $410,925 indemnity · 6 years
Mustard 9 years filed
- 0.91Low end of the filed band
- 1.98Middle of the filed band
- 2.98High end of the filed band
- 2022Worst year filed (2.98)
- 9Years filed
- $4,220,172Premium filed
- $9,748,495Indemnity paid
- $17,578,276Liability insured
- 153,955Quantity planted
- 76,086Quantity lost
- 238Policies
- 238Policies with a loss
- 2.31Loss ratio, whole span
Causes that carried the indemnity in Liberty County
- Drought $5,896,764 indemnity · 8 years
- Hail $1,840,182 indemnity · 6 years
- Heat $1,031,731 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $799,758 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $59,057 indemnity · 2 years
- Cold Wet Weather $55,699 indemnity · 2 years
Barley 10 years filed
- 0.96Low end of the filed band
- 2.12Middle of the filed band
- 2.92High end of the filed band
- 2022Worst year filed (2.99)
- 10Years filed
- $2,916,850Premium filed
- $7,510,082Indemnity paid
- $14,368,577Liability insured
- 98,046Quantity planted
- 98,207Quantity lost
- 487Policies
- 485Policies with a loss
- 2.57Loss ratio, whole span
Causes that carried the indemnity in Liberty County
- Drought $3,912,931 indemnity · 10 years
- Hail $1,531,081 indemnity · 8 years
- Heat $781,155 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $656,069 indemnity · 5 years
- Hot Wind $413,619 indemnity · 3 years
- Wind/Excess Wind $49,442 indemnity · 1 years
Flax 5 years filed
- 1.27Low end of the filed band
- 2.57Middle of the filed band
- 2.85High end of the filed band
- 2022Worst year filed (2.85)
- 5Years filed
- $1,628,085Premium filed
- $4,400,407Indemnity paid
- $5,419,122Liability insured
- 22,605Quantity planted
- 22,670Quantity lost
- 121Policies
- 121Policies with a loss
- 2.70Loss ratio, whole span
Causes that carried the indemnity in Liberty County
- Drought $3,261,765 indemnity · 4 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $684,718 indemnity · 4 years
- Hail $290,037 indemnity · 2 years
- Heat $157,132 indemnity · 3 years
- Wind/Excess Wind $6,755 indemnity · 1 years
Canola 7 years filed
- 1.12Low end of the filed band
- 2.09Middle of the filed band
- 2.89High end of the filed band
- 2019Worst year filed (2.89)
- 7Years filed
- $494,627Premium filed
- $1,087,002Indemnity paid
- $2,049,724Liability insured
- 13,578Quantity planted
- 14,002Quantity lost
- 60Policies
- 60Policies with a loss
- 2.20Loss ratio, whole span
Causes that carried the indemnity in Liberty County
- Drought $684,403 indemnity · 6 years
- Heat $219,309 indemnity · 5 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $117,928 indemnity · 2 years
- Wind/Excess Wind $18,537 indemnity · 2 years
- Freeze $11,363 indemnity · 1 years
- Cold Wet Weather $10,655 indemnity · 2 years
Forage Production 10 years filed
- 1.26Low end of the filed band
- 1.56Middle of the filed band
- 2.80High end of the filed band
- 2019Worst year filed (2.86)
- 10Years filed
- $462,320Premium filed
- $1,019,309Indemnity paid
- $1,926,931Liability insured
- 17,592Quantity planted
- 17,660Quantity lost
- 87Policies
- 87Policies with a loss
- 2.20Loss ratio, whole span
Causes that carried the indemnity in Liberty County
- Drought $871,470 indemnity · 9 years
- Frost $90,937 indemnity · 2 years
- Heat $45,472 indemnity · 4 years
- Hail $6,578 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $4,852 indemnity · 1 years
Pasture,Rangeland,Forage 10 years filed
- 0.70Low end of the filed band
- 1.29Middle of the filed band
- 2.65High end of the filed band
- 2017Worst year filed (2.95)
- 10Years filed
- $365,985Premium filed
- $571,341Indemnity paid
- $2,086,884Liability insured
- 128,044Quantity planted
- 0Quantity lost
- 139Policies
- 139Policies with a loss
- 1.56Loss ratio, whole span
Causes that carried the indemnity in Liberty County
- ARPI/SCO/STAX Crops Only $571,341 indemnity · 10 years
Every county-crop the agency files in Montana → Buy the Liberty 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.