Crop-loss band · Montana
Stillwater County, Montana — crop-loss band
- 1.05Low end of the filed band
- 2.25Middle of the filed band
- 3.62High end of the filed band
- 2023Worst year filed (4.51)
- 10Years filed
Every year the Risk Management Agency has filed for Stillwater 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 1.05 at the low end to 3.62 at the high end, with 2.25 in the middle. The worst year filed is 2023, at 4.51. 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 | $123,475 | $200,975 | $505,262 | 38 | 36 | 1.63 |
| 2016 | $168,570 | $326,123 | $718,144 | 57 | 57 | 1.93 |
| 2017 | $62,046 | $153,964 | $321,212 | 25 | 25 | 2.48 |
| 2018 | $115,629 | $252,848 | $505,331 | 30 | 30 | 2.19 |
| 2019 | $86,019 | $311,365 | $506,211 | 28 | 28 | 3.62 |
| 2020 | $41,539 | $43,653 | $226,534 | 16 | 15 | 1.05 |
| 2021 | $251,734 | $805,381 | $1,930,236 | 81 | 80 | 3.20 |
| 2022 | $325,950 | $1,153,066 | $2,177,466 | 46 | 46 | 3.54 |
| 2023 | $13,913 | $62,719 | $108,643 | 10 | 10 | 4.51 |
| 2024 | $300,710 | $675,755 | $1,609,219 | 62 | 62 | 2.25 |
Commodities insured in Stillwater County
3 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 9 years filed
- 1.89Low end of the filed band
- 3.21Middle of the filed band
- 5.46High end of the filed band
- 2023Worst year filed (5.46)
- 9Years filed
- $722,168Premium filed
- $2,625,917Indemnity paid
- $5,458,942Liability insured
- 38,492Quantity planted
- 39,217Quantity lost
- 202Policies
- 201Policies with a loss
- 3.64Loss ratio, whole span
Causes that carried the indemnity in Stillwater County
- Hail $1,466,154 indemnity · 8 years
- Drought $605,527 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $211,475 indemnity · 3 years
- Heat $203,766 indemnity · 5 years
- Freeze $81,401 indemnity · 2 years
- Decline in Price $23,511 indemnity · 4 years
Forage Production 8 years filed
- 0.77Low end of the filed band
- 1.27Middle of the filed band
- 3.06High end of the filed band
- 2021Worst year filed (3.06)
- 8Years filed
- $476,517Premium filed
- $911,035Indemnity paid
- $1,616,932Liability insured
- 23,368Quantity planted
- 23,380Quantity lost
- 120Policies
- 117Policies with a loss
- 1.91Loss ratio, whole span
Causes that carried the indemnity in Stillwater County
- Drought $518,732 indemnity · 7 years
- Heat $130,074 indemnity · 3 years
- Freeze $75,329 indemnity · 3 years
- Insects $64,683 indemnity · 1 years
- Hail $58,717 indemnity · 4 years
- Frost $51,081 indemnity · 3 years
Pasture,Rangeland,Forage 9 years filed
- 0.37Low end of the filed band
- 1.68Middle of the filed band
- 2.94High end of the filed band
- 2016Worst year filed (2.94)
- 9Years filed
- $290,900Premium filed
- $448,897Indemnity paid
- $1,532,384Liability insured
- 93,605Quantity planted
- 0Quantity lost
- 71Policies
- 71Policies with a loss
- 1.54Loss ratio, whole span
Causes that carried the indemnity in Stillwater County
- ARPI/SCO/STAX/MP Crops Only $448,897 indemnity · 9 years
Every county-crop the agency files in Montana → Buy the Stillwater 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.