Crop-loss band · Montana
Toole County, Montana — crop-loss band
- 1.93Low end of the filed band
- 2.34Middle of the filed band
- 2.90High end of the filed band
- 2021Worst year filed (3.38)
- 10Years filed
Every year the Risk Management Agency has filed for Toole 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 2.90 at the high end, with 2.34 in the middle. The worst year filed is 2021, at 3.38. 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 | $3,399,396 | $8,850,946 | $22,009,856 | 685 | 682 | 2.60 |
| 2016 | $2,192,769 | $6,365,599 | $11,166,008 | 312 | 312 | 2.90 |
| 2017 | $2,749,455 | $5,299,531 | $13,439,532 | 476 | 475 | 1.93 |
| 2018 | $3,533,419 | $7,082,590 | $18,491,519 | 482 | 482 | 2.00 |
| 2019 | $4,487,567 | $9,984,003 | $23,628,711 | 654 | 654 | 2.22 |
| 2020 | $631,961 | $1,400,873 | $3,074,694 | 130 | 130 | 2.22 |
| 2021 | $8,757,887 | $29,597,422 | $45,774,401 | 1,033 | 1,033 | 3.38 |
| 2022 | $13,503,740 | $36,508,616 | $60,540,403 | 1,271 | 1,269 | 2.70 |
| 2023 | $15,174,627 | $35,472,808 | $68,971,700 | 1,108 | 1,108 | 2.34 |
| 2024 | $13,787,926 | $32,198,843 | $63,637,324 | 1,207 | 1,207 | 2.34 |
Commodities insured in Toole County
7 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
- 1.74Low end of the filed band
- 2.35Middle of the filed band
- 2.75High end of the filed band
- 2021Worst year filed (3.87)
- 10Years filed
- $31,842,095Premium filed
- $84,710,296Indemnity paid
- $175,830,267Liability insured
- 917,747Quantity planted
- 926,705Quantity lost
- 3,449Policies
- 3,444Policies with a loss
- 2.66Loss ratio, whole span
Causes that carried the indemnity in Toole County
- Drought $39,603,379 indemnity · 10 years
- ARPI/SCO/STAX Crops Only $29,669,410 indemnity · 9 years
- Hail $6,851,988 indemnity · 10 years
- Heat $4,152,980 indemnity · 10 years
- Decline in Price $1,466,325 indemnity · 9 years
- Cold Winter $1,141,323 indemnity · 8 years
Dry Peas 10 years filed
- 1.52Low end of the filed band
- 2.11Middle of the filed band
- 3.21High end of the filed band
- 2021Worst year filed (3.34)
- 10Years filed
- $14,741,221Premium filed
- $34,818,239Indemnity paid
- $58,329,233Liability insured
- 273,179Quantity planted
- 273,301Quantity lost
- 1,307Policies
- 1,306Policies with a loss
- 2.36Loss ratio, whole span
Causes that carried the indemnity in Toole County
- Drought $16,935,810 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $7,997,903 indemnity · 8 years
- Hail $5,621,850 indemnity · 9 years
- Heat $3,064,622 indemnity · 8 years
- Decline in Price $587,653 indemnity · 7 years
- Cold Wet Weather $167,455 indemnity · 1 years
Barley 10 years filed
- 1.55Low end of the filed band
- 2.19Middle of the filed band
- 2.59High end of the filed band
- 2016Worst year filed (3.05)
- 10Years filed
- $12,860,123Premium filed
- $29,096,535Indemnity paid
- $60,318,132Liability insured
- 339,423Quantity planted
- 343,656Quantity lost
- 1,529Policies
- 1,529Policies with a loss
- 2.26Loss ratio, whole span
Causes that carried the indemnity in Toole County
- Drought $12,433,951 indemnity · 10 years
- ARPI/SCO/STAX Crops Only $9,950,106 indemnity · 8 years
- Hail $4,415,593 indemnity · 9 years
- Heat $1,394,048 indemnity · 8 years
- Decline in Price $345,383 indemnity · 6 years
- Freeze $275,002 indemnity · 1 years
Canola 10 years filed
- 0.35Low end of the filed band
- 2.68Middle of the filed band
- 3.92High end of the filed band
- 2021Worst year filed (4.51)
- 10Years filed
- $4,772,513Premium filed
- $14,182,748Indemnity paid
- $19,657,557Liability insured
- 81,580Quantity planted
- 82,168Quantity lost
- 422Policies
- 422Policies with a loss
- 2.97Loss ratio, whole span
Causes that carried the indemnity in Toole County
- Drought $7,932,014 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $2,978,996 indemnity · 8 years
- Heat $1,505,321 indemnity · 7 years
- Hail $1,050,836 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $301,035 indemnity · 3 years
- Wind/Excess Wind $222,922 indemnity · 3 years
Flax 5 years filed
- 1.93Low end of the filed band
- 2.43Middle of the filed band
- 2.68High end of the filed band
- 2023Worst year filed (2.68)
- 5Years filed
- $1,721,881Premium filed
- $4,211,393Indemnity paid
- $5,253,433Liability insured
- 21,105Quantity planted
- 21,105Quantity lost
- 125Policies
- 125Policies with a loss
- 2.45Loss ratio, whole span
Causes that carried the indemnity in Toole County
- Drought $3,461,041 indemnity · 5 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $689,729 indemnity · 4 years
- Hail $60,623 indemnity · 2 years
Mustard 8 years filed
- 0.81Low end of the filed band
- 2.20Middle of the filed band
- 3.37High end of the filed band
- 2022Worst year filed (3.37)
- 8Years filed
- $1,399,838Premium filed
- $4,046,710Indemnity paid
- $5,820,876Liability insured
- 257,677Quantity planted
- 30,725Quantity lost
- 129Policies
- 129Policies with a loss
- 2.89Loss ratio, whole span
Causes that carried the indemnity in Toole County
- Drought $3,144,813 indemnity · 8 years
- ARPI/SCO/STAX/MP Crops Only $389,571 indemnity · 5 years
- Heat $233,992 indemnity · 6 years
- Hail $192,255 indemnity · 1 years
- All Other Causes $64,325 indemnity · 2 years
- Wind/Excess Wind $14,435 indemnity · 1 years
Pasture,Rangeland,Forage 10 years filed
- 1.30Low end of the filed band
- 1.76Middle of the filed band
- 2.53High end of the filed band
- 2017Worst year filed (2.94)
- 10Years filed
- $881,076Premium filed
- $1,695,310Indemnity paid
- $5,524,651Liability insured
- 374,927Quantity planted
- 0Quantity lost
- 397Policies
- 397Policies with a loss
- 1.92Loss ratio, whole span
Causes that carried the indemnity in Toole County
- ARPI/SCO/STAX Crops Only $1,695,310 indemnity · 10 years
Every county-crop the agency files in Montana → Buy the Toole 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.