Crop-loss band · Montana
Richland County, Montana — crop-loss band
- 1.93Low end of the filed band
- 2.58Middle of the filed band
- 4.01High end of the filed band
- 2021Worst year filed (4.80)
- 10Years filed
Every year the Risk Management Agency has filed for Richland 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 1.93 at the low end to 4.01 at the high end, with 2.58 in the middle. The worst year filed is 2021, at 4.80. 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 | $318,565 | $1,136,145 | $2,255,786 | 104 | 104 | 3.57 |
| 2016 | $231,396 | $635,774 | $1,495,705 | 61 | 61 | 2.75 |
| 2017 | $1,632,023 | $6,541,547 | $12,437,559 | 364 | 364 | 4.01 |
| 2018 | $449,697 | $867,464 | $2,566,955 | 88 | 88 | 1.93 |
| 2019 | $236,986 | $697,544 | $1,584,181 | 79 | 78 | 2.94 |
| 2020 | $213,186 | $550,682 | $1,391,781 | 69 | 69 | 2.58 |
| 2021 | $3,055,769 | $14,674,823 | $20,572,920 | 355 | 353 | 4.80 |
| 2022 | $1,737,927 | $3,814,605 | $8,496,248 | 209 | 209 | 2.19 |
| 2023 | $1,240,561 | $3,159,044 | $6,645,675 | 172 | 172 | 2.55 |
| 2024 | $1,393,992 | $2,883,249 | $8,276,223 | 237 | 237 | 2.07 |
Commodities insured in Richland 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
- 2.02Low end of the filed band
- 2.66Middle of the filed band
- 4.45High end of the filed band
- 2021Worst year filed (5.50)
- 10Years filed
- $6,439,056Premium filed
- $24,279,643Indemnity paid
- $45,186,765Liability insured
- 332,455Quantity planted
- 331,953Quantity lost
- 1,023Policies
- 1,021Policies with a loss
- 3.77Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Drought $18,074,902 indemnity · 9 years
- Hail $2,181,696 indemnity · 10 years
- Heat $1,580,431 indemnity · 9 years
- Insects $801,207 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $502,785 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $440,202 indemnity · 3 years
Dry Peas 10 years filed
- 1.79Low end of the filed band
- 2.72Middle of the filed band
- 4.93High end of the filed band
- 2015Worst year filed (6.67)
- 10Years filed
- $1,708,635Premium filed
- $5,171,161Indemnity paid
- $8,084,985Liability insured
- 52,598Quantity planted
- 52,641Quantity lost
- 217Policies
- 217Policies with a loss
- 3.03Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Drought $3,833,140 indemnity · 8 years
- Hail $539,911 indemnity · 10 years
- Heat $348,832 indemnity · 7 years
- Insects $164,575 indemnity · 4 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $88,018 indemnity · 2 years
- Decline in Price $86,874 indemnity · 4 years
Apiculture 8 years filed
- 1.07Low end of the filed band
- 1.73Middle of the filed band
- 2.58High end of the filed band
- 2022Worst year filed (2.58)
- 8Years filed
- $1,267,970Premium filed
- $2,640,822Indemnity paid
- $6,392,916Liability insured
- 26,645Quantity planted
- 0Quantity lost
- 129Policies
- 129Policies with a loss
- 2.08Loss ratio, whole span
Causes that carried the indemnity in Richland County
- ARPI/SCO/STAX/MP Crops Only $2,640,822 indemnity · 8 years
Corn 10 years filed
- 1.94Low end of the filed band
- 3.08Middle of the filed band
- 6.44High end of the filed band
- 2020Worst year filed (6.63)
- 10Years filed
- $335,752Premium filed
- $1,089,250Indemnity paid
- $2,160,076Liability insured
- 8,241Quantity planted
- 8,248Quantity lost
- 50Policies
- 49Policies with a loss
- 3.24Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Drought $464,559 indemnity · 4 years
- Hail $183,589 indemnity · 6 years
- Heat $157,563 indemnity · 4 years
- Insects $122,682 indemnity · 1 years
- Other (Snow, Lightning, Etc.) $80,910 indemnity · 2 years
- Cold Wet Weather $25,441 indemnity · 1 years
Forage Production 10 years filed
- 1.10Low end of the filed band
- 1.93Middle of the filed band
- 4.67High end of the filed band
- 2017Worst year filed (5.68)
- 10Years filed
- $290,704Premium filed
- $902,412Indemnity paid
- $1,485,990Liability insured
- 18,035Quantity planted
- 18,119Quantity lost
- 104Policies
- 104Policies with a loss
- 3.10Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Drought $612,635 indemnity · 9 years
- Hail $70,022 indemnity · 4 years
- Frost $65,937 indemnity · 3 years
- Cold Winter $58,560 indemnity · 2 years
- Freeze $50,164 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $26,335 indemnity · 1 years
Pasture,Rangeland,Forage 10 years filed
- 0.46Low end of the filed band
- 1.52Middle of the filed band
- 2.31High end of the filed band
- 2021Worst year filed (2.52)
- 10Years filed
- $467,984Premium filed
- $877,589Indemnity paid
- $2,412,301Liability insured
- 168,882Quantity planted
- 0Quantity lost
- 215Policies
- 215Policies with a loss
- 1.88Loss ratio, whole span
Causes that carried the indemnity in Richland County
- ARPI/SCO/STAX Crops Only $877,589 indemnity · 10 years
Every county-crop the agency files in Montana → Buy the Richland 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.