Crop-loss band · Montana
Phillips County, Montana — crop-loss band
- 1.59Low end of the filed band
- 3.07Middle of the filed band
- 3.52High end of the filed band
- 2021Worst year filed (5.16)
- 10Years filed
Every year the Risk Management Agency has filed for Phillips County is in the series below, from 2015 to 2023. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.59 at the low end to 3.52 at the high end, with 3.07 in the middle. The worst year filed is 2021, at 5.16. 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 | $468,651 | $1,621,067 | $3,114,485 | 149 | 149 | 3.46 |
| 2016 | $460,894 | $1,564,948 | $2,581,972 | 167 | 167 | 3.40 |
| 2017 | $3,168,992 | $9,715,106 | $19,610,677 | 540 | 540 | 3.07 |
| 2018 | $2,346,717 | $7,608,893 | $12,871,102 | 398 | 398 | 3.24 |
| 2019 | $686,841 | $2,420,611 | $4,671,911 | 185 | 182 | 3.52 |
| 2020 | $782,783 | $2,023,472 | $4,893,977 | 167 | 167 | 2.59 |
| 2021 | $4,678,038 | $24,121,378 | $26,232,088 | 663 | 663 | 5.16 |
| 2022 | $6,035,610 | $15,658,878 | $28,157,468 | 530 | 530 | 2.59 |
| 2023 | $4,644,860 | $10,019,707 | $19,127,915 | 375 | 375 | 2.16 |
| 2024 | $2,374,703 | $3,774,258 | $10,115,481 | 172 | 172 | 1.59 |
Commodities insured in Phillips 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
- 1.36Low end of the filed band
- 3.44Middle of the filed band
- 4.47High end of the filed band
- 2021Worst year filed (5.87)
- 10Years filed
- $16,352,897Premium filed
- $51,961,994Indemnity paid
- $86,885,438Liability insured
- 586,536Quantity planted
- 587,445Quantity lost
- 1,914Policies
- 1,914Policies with a loss
- 3.18Loss ratio, whole span
Causes that carried the indemnity in Phillips County
- Drought $35,402,080 indemnity · 10 years
- Heat $3,813,266 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $3,673,042 indemnity · 8 years
- Hail $2,120,455 indemnity · 10 years
- Insects $1,936,472 indemnity · 5 years
- Cold Winter $1,584,903 indemnity · 7 years
Dry Peas 10 years filed
- 2.05Low end of the filed band
- 2.43Middle of the filed band
- 3.06High end of the filed band
- 2021Worst year filed (4.60)
- 10Years filed
- $6,332,954Premium filed
- $19,095,501Indemnity paid
- $28,542,943Liability insured
- 170,711Quantity planted
- 171,311Quantity lost
- 722Policies
- 721Policies with a loss
- 3.02Loss ratio, whole span
Causes that carried the indemnity in Phillips County
- Drought $14,850,565 indemnity · 10 years
- Heat $1,193,690 indemnity · 7 years
- Hail $860,467 indemnity · 8 years
- Insects $666,222 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $485,889 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $413,379 indemnity · 2 years
Barley 10 years filed
- 1.30Low end of the filed band
- 3.48Middle of the filed band
- 3.94High end of the filed band
- 2015Worst year filed (4.94)
- 10Years filed
- $1,272,026Premium filed
- $3,922,734Indemnity paid
- $5,429,013Liability insured
- 59,774Quantity planted
- 60,033Quantity lost
- 389Policies
- 387Policies with a loss
- 3.08Loss ratio, whole span
Causes that carried the indemnity in Phillips County
- Drought $2,784,744 indemnity · 9 years
- Heat $382,075 indemnity · 5 years
- Insects $269,643 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $227,706 indemnity · 6 years
- Hail $140,060 indemnity · 6 years
- XX $55,503 indemnity · 7 years
Pasture,Rangeland,Forage 10 years filed
- 0.81Low end of the filed band
- 1.65Middle of the filed band
- 2.65High end of the filed band
- 2017Worst year filed (3.26)
- 10Years filed
- $1,048,785Premium filed
- $1,856,027Indemnity paid
- $6,179,498Liability insured
- 649,250Quantity planted
- 0Quantity lost
- 224Policies
- 224Policies with a loss
- 1.77Loss ratio, whole span
Causes that carried the indemnity in Phillips County
- ARPI/SCO/STAX Crops Only $1,856,027 indemnity · 10 years
Flax 5 years filed
- 1.67Low end of the filed band
- 2.50Middle of the filed band
- 3.25High end of the filed band
- 2021Worst year filed (3.25)
- 5Years filed
- $349,003Premium filed
- $946,585Indemnity paid
- $1,185,085Liability insured
- 6,436Quantity planted
- 6,436Quantity lost
- 54Policies
- 54Policies with a loss
- 2.71Loss ratio, whole span
Causes that carried the indemnity in Phillips County
- Drought $609,172 indemnity · 5 years
- Insects $122,080 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $84,270 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $74,556 indemnity · 1 years
- Heat $56,506 indemnity · 3 years
All Other Crops 9 years filed
- 0.26Low end of the filed band
- 2.49Middle of the filed band
- 4.41High end of the filed band
- 2015Worst year filed (4.41)
- 9Years filed
- $292,424Premium filed
- $745,477Indemnity paid
- $3,155,099Liability insured
- 2,495Quantity planted
- 614Quantity lost
- 43Policies
- 43Policies with a loss
- 2.55Loss ratio, whole span
Causes that carried the indemnity in Phillips County
- Drought $465,592 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $170,668 indemnity · 8 years
- Decline in Price $107,274 indemnity · 1 years
- Cold Wet Weather $1,943 indemnity · 1 years
Every county-crop the agency files in Montana → Buy the Phillips 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.