Crop-loss band · Montana
Pondera County, Montana — crop-loss band
- 2.11Low end of the filed band
- 2.41Middle of the filed band
- 3.14High end of the filed band
- 2024Worst year filed (3.18)
- 10Years filed
Every year the Risk Management Agency has filed for Pondera 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 2.11 at the low end to 3.14 at the high end, with 2.41 in the middle. The worst year filed is 2024, at 3.18. 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 | $1,868,365 | $3,969,435 | $11,821,618 | 418 | 417 | 2.12 |
| 2016 | $627,965 | $1,695,482 | $3,521,543 | 172 | 171 | 2.70 |
| 2017 | $1,618,655 | $3,415,988 | $8,667,120 | 278 | 278 | 2.11 |
| 2018 | $1,337,225 | $3,215,981 | $6,175,076 | 248 | 247 | 2.41 |
| 2019 | $1,804,335 | $5,285,299 | $11,308,766 | 412 | 412 | 2.93 |
| 2020 | $705,667 | $1,582,867 | $3,754,027 | 116 | 116 | 2.24 |
| 2021 | $2,319,433 | $5,646,206 | $12,870,718 | 349 | 349 | 2.43 |
| 2022 | $8,694,363 | $27,328,932 | $59,070,927 | 1,056 | 1,055 | 3.14 |
| 2023 | $4,217,706 | $9,385,943 | $27,054,240 | 448 | 448 | 2.23 |
| 2024 | $5,847,275 | $18,613,997 | $39,142,324 | 708 | 708 | 3.18 |
Commodities insured in Pondera 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
- 1.99Low end of the filed band
- 2.56Middle of the filed band
- 3.36High end of the filed band
- 2022Worst year filed (3.40)
- 10Years filed
- $15,818,923Premium filed
- $45,244,116Indemnity paid
- $111,279,319Liability insured
- 470,930Quantity planted
- 472,753Quantity lost
- 2,147Policies
- 2,144Policies with a loss
- 2.86Loss ratio, whole span
Causes that carried the indemnity in Pondera County
- Drought $21,330,348 indemnity · 10 years
- Hail $7,115,783 indemnity · 10 years
- Heat $5,737,082 indemnity · 10 years
- Failure of Irrigation Supply $2,581,621 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $1,430,037 indemnity · 7 years
- Cold Winter $1,322,346 indemnity · 8 years
Barley 10 years filed
- 1.87Low end of the filed band
- 2.77Middle of the filed band
- 3.68High end of the filed band
- 2016Worst year filed (4.18)
- 10Years filed
- $6,166,869Premium filed
- $17,345,152Indemnity paid
- $36,686,153Liability insured
- 172,773Quantity planted
- 172,363Quantity lost
- 955Policies
- 954Policies with a loss
- 2.81Loss ratio, whole span
Causes that carried the indemnity in Pondera County
- Drought $6,784,144 indemnity · 10 years
- Hail $3,146,259 indemnity · 10 years
- Failure of Irrigation Supply $2,497,353 indemnity · 4 years
- Heat $2,365,951 indemnity · 10 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,083,935 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $618,659 indemnity · 7 years
Dry Peas 10 years filed
- 1.81Low end of the filed band
- 2.53Middle of the filed band
- 3.62High end of the filed band
- 2020Worst year filed (4.52)
- 10Years filed
- $4,869,632Premium filed
- $12,734,925Indemnity paid
- $23,118,542Liability insured
- 96,050Quantity planted
- 96,220Quantity lost
- 530Policies
- 530Policies with a loss
- 2.62Loss ratio, whole span
Causes that carried the indemnity in Pondera County
- Drought $6,097,431 indemnity · 8 years
- Hail $2,220,996 indemnity · 9 years
- Heat $2,137,842 indemnity · 8 years
- ARPI/SCO/STAX/MP Crops Only $881,284 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $755,143 indemnity · 6 years
- Decline in Price $178,154 indemnity · 5 years
Canola 10 years filed
- 2.24Low end of the filed band
- 2.91Middle of the filed band
- 3.56High end of the filed band
- 2020Worst year filed (5.76)
- 10Years filed
- $764,941Premium filed
- $2,427,308Indemnity paid
- $5,284,207Liability insured
- 22,774Quantity planted
- 22,675Quantity lost
- 185Policies
- 185Policies with a loss
- 3.17Loss ratio, whole span
Causes that carried the indemnity in Pondera County
- Drought $568,388 indemnity · 8 years
- Heat $561,571 indemnity · 9 years
- Hail $466,424 indemnity · 7 years
- Failure of Irrigation Supply $204,443 indemnity · 4 years
- Freeze $169,328 indemnity · 2 years
- Wind/Excess Wind $121,916 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 0.53Low end of the filed band
- 1.74Middle of the filed band
- 2.53High end of the filed band
- 2017Worst year filed (2.76)
- 10Years filed
- $1,101,282Premium filed
- $1,769,233Indemnity paid
- $5,509,403Liability insured
- 248,147Quantity planted
- 0Quantity lost
- 323Policies
- 323Policies with a loss
- 1.61Loss ratio, whole span
Causes that carried the indemnity in Pondera County
- ARPI/SCO/STAX Crops Only $1,769,233 indemnity · 10 years
Apiculture 8 years filed
- 0.42Low end of the filed band
- 1.71Middle of the filed band
- 3.79High end of the filed band
- 2017Worst year filed (3.79)
- 8Years filed
- $319,342Premium filed
- $619,396Indemnity paid
- $1,508,735Liability insured
- 6,349Quantity planted
- 0Quantity lost
- 65Policies
- 65Policies with a loss
- 1.94Loss ratio, whole span
Causes that carried the indemnity in Pondera County
- ARPI/SCO/STAX/MP Crops Only $619,396 indemnity · 8 years
Every county-crop the agency files in Montana → Buy the Pondera 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.