Crop-loss band · North Dakota
Bowman County, North Dakota — crop-loss band
- 2.00Low end of the filed band
- 2.45Middle of the filed band
- 2.96High end of the filed band
- 2021Worst year filed (4.17)
- 10Years filed
Every year the Risk Management Agency has filed for Bowman 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 2.00 at the low end to 2.96 at the high end, with 2.45 in the middle. The worst year filed is 2021, at 4.17. 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 | $780,068 | $1,914,257 | $3,388,844 | 180 | 180 | 2.45 |
| 2016 | $2,563,572 | $6,770,239 | $13,629,152 | 393 | 392 | 2.64 |
| 2017 | $4,638,735 | $13,424,402 | $23,677,371 | 659 | 659 | 2.89 |
| 2018 | $1,094,673 | $2,535,439 | $6,387,148 | 130 | 130 | 2.32 |
| 2019 | $2,451,641 | $7,253,824 | $11,709,730 | 279 | 279 | 2.96 |
| 2020 | $2,374,340 | $5,998,326 | $12,019,724 | 306 | 306 | 2.53 |
| 2021 | $6,031,335 | $25,170,058 | $32,210,645 | 704 | 702 | 4.17 |
| 2022 | $1,935,617 | $4,155,163 | $9,316,316 | 234 | 234 | 2.15 |
| 2023 | $770,035 | $1,716,721 | $3,368,162 | 175 | 175 | 2.23 |
| 2024 | $5,246,144 | $10,466,877 | $25,914,787 | 551 | 551 | 2.00 |
Commodities insured in Bowman County
10 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
- 2.30Middle of the filed band
- 3.21High end of the filed band
- 2021Worst year filed (4.41)
- 10Years filed
- $12,767,759Premium filed
- $36,705,456Indemnity paid
- $62,425,347Liability insured
- 375,096Quantity planted
- 375,082Quantity lost
- 1,206Policies
- 1,206Policies with a loss
- 2.87Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- Drought $21,984,115 indemnity · 9 years
- Hail $8,048,668 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $2,174,056 indemnity · 5 years
- Heat $1,296,687 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $923,084 indemnity · 4 years
- Insects $630,625 indemnity · 3 years
Corn 10 years filed
- 1.55Low end of the filed band
- 2.64Middle of the filed band
- 4.55High end of the filed band
- 2021Worst year filed (4.72)
- 10Years filed
- $7,265,413Premium filed
- $23,658,294Indemnity paid
- $39,092,751Liability insured
- 126,600Quantity planted
- 126,688Quantity lost
- 479Policies
- 479Policies with a loss
- 3.26Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- Drought $15,880,915 indemnity · 7 years
- Heat $2,457,685 indemnity · 5 years
- All Other Causes $1,742,483 indemnity · 2 years
- Hail $1,177,681 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $819,702 indemnity · 5 years
- Wind/Excess Wind $365,557 indemnity · 5 years
Pasture,Rangeland,Forage 10 years filed
- 0.63Low end of the filed band
- 1.52Middle of the filed band
- 2.21High end of the filed band
- 2024Worst year filed (2.27)
- 10Years filed
- $2,441,806Premium filed
- $4,656,667Indemnity paid
- $10,913,186Liability insured
- 355,564Quantity planted
- 0Quantity lost
- 658Policies
- 658Policies with a loss
- 1.91Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- ARPI/SCO/STAX Crops Only $4,656,667 indemnity · 10 years
Forage Production 9 years filed
- 2.16Low end of the filed band
- 2.86Middle of the filed band
- 5.13High end of the filed band
- 2021Worst year filed (5.13)
- 9Years filed
- $1,236,580Premium filed
- $4,110,581Indemnity paid
- $6,890,217Liability insured
- 111,558Quantity planted
- 111,647Quantity lost
- 594Policies
- 591Policies with a loss
- 3.32Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- Drought $3,279,027 indemnity · 9 years
- Insects $230,600 indemnity · 4 years
- Freeze $206,038 indemnity · 4 years
- Heat $179,651 indemnity · 5 years
- Frost $96,734 indemnity · 4 years
- Hail $59,504 indemnity · 3 years
Dry Peas 10 years filed
- 0.38Low end of the filed band
- 2.38Middle of the filed band
- 3.39High end of the filed band
- 2019Worst year filed (4.17)
- 10Years filed
- $975,203Premium filed
- $2,685,223Indemnity paid
- $5,357,488Liability insured
- 33,540Quantity planted
- 33,665Quantity lost
- 178Policies
- 178Policies with a loss
- 2.75Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- Drought $1,578,738 indemnity · 8 years
- Hail $543,504 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $211,569 indemnity · 3 years
- Wind/Excess Wind $165,634 indemnity · 3 years
- Heat $79,099 indemnity · 4 years
- Cold Wet Weather $36,680 indemnity · 2 years
Sunflowers 10 years filed
- 0.96Low end of the filed band
- 2.11Middle of the filed band
- 2.68High end of the filed band
- 2021Worst year filed (2.75)
- 10Years filed
- $839,845Premium filed
- $1,964,033Indemnity paid
- $4,234,556Liability insured
- 21,593Quantity planted
- 21,593Quantity lost
- 124Policies
- 124Policies with a loss
- 2.34Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- Drought $1,269,177 indemnity · 7 years
- Hail $363,720 indemnity · 5 years
- Heat $107,446 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $85,441 indemnity · 4 years
- Cold Wet Weather $46,493 indemnity · 4 years
- All Other Causes $28,650 indemnity · 1 years
Flax 10 years filed
- 1.03Low end of the filed band
- 2.32Middle of the filed band
- 3.85High end of the filed band
- 2016Worst year filed (4.10)
- 10Years filed
- $661,494Premium filed
- $1,775,815Indemnity paid
- $3,468,955Liability insured
- 23,718Quantity planted
- 23,718Quantity lost
- 99Policies
- 99Policies with a loss
- 2.68Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- Drought $870,926 indemnity · 7 years
- Hail $672,289 indemnity · 6 years
- Insects $101,777 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $75,822 indemnity · 3 years
- All Other Causes $17,433 indemnity · 2 years
- Heat $10,706 indemnity · 1 years
Canola 8 years filed
- 0.72Low end of the filed band
- 1.93Middle of the filed band
- 3.30High end of the filed band
- 2015Worst year filed (3.30)
- 8Years filed
- $818,564Premium filed
- $1,699,492Indemnity paid
- $3,192,176Liability insured
- 17,942Quantity planted
- 17,982Quantity lost
- 108Policies
- 108Policies with a loss
- 2.08Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- Drought $1,137,321 indemnity · 5 years
- Hail $317,777 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $76,883 indemnity · 2 years
- Wind/Excess Wind $59,518 indemnity · 2 years
- Heat $54,753 indemnity · 3 years
- Plant Disease $25,460 indemnity · 1 years
Barley 9 years filed
- 1.01Low end of the filed band
- 2.74Middle of the filed band
- 4.05High end of the filed band
- 2020Worst year filed (4.05)
- 9Years filed
- $384,269Premium filed
- $1,140,543Indemnity paid
- $1,759,203Liability insured
- 14,235Quantity planted
- 14,235Quantity lost
- 120Policies
- 120Policies with a loss
- 2.97Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- Drought $769,218 indemnity · 7 years
- Hail $236,019 indemnity · 4 years
- Insects $52,232 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $30,700 indemnity · 4 years
- All Other Causes $20,164 indemnity · 2 years
- Heat $11,845 indemnity · 3 years
All Other Crops 8 years filed
- 0.81Low end of the filed band
- 1.94Middle of the filed band
- 4.45High end of the filed band
- 2016Worst year filed (4.45)
- 8Years filed
- $495,227Premium filed
- $1,009,202Indemnity paid
- $4,288,000Liability insured
- 3,187Quantity planted
- 308Quantity lost
- 45Policies
- 45Policies with a loss
- 2.04Loss ratio, whole span
Causes that carried the indemnity in Bowman County
- Drought $417,298 indemnity · 5 years
- ARPI/SCO/STAX/MP Crops Only $277,396 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $189,894 indemnity · 1 years
- Decline in Price $98,539 indemnity · 1 years
- Hail $21,858 indemnity · 2 years
- Heat $4,218 indemnity · 1 years
Every county-crop the agency files in North Dakota → Buy the Bowman 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.