Crop-loss band · North Dakota
Cass County, North Dakota — crop-loss band
- 1.50Low end of the filed band
- 2.28Middle of the filed band
- 3.99High end of the filed band
- 2020Worst year filed (4.00)
- 10Years filed
Every year the Risk Management Agency has filed for Cass 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 1.50 at the low end to 3.99 at the high end, with 2.28 in the middle. The worst year filed is 2020, at 4.00. 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 | $7,252,245 | $16,542,307 | $42,883,099 | 652 | 652 | 2.28 |
| 2016 | $1,469,136 | $2,343,639 | $11,219,096 | 172 | 172 | 1.60 |
| 2017 | $3,526,631 | $5,291,657 | $26,450,638 | 292 | 292 | 1.50 |
| 2018 | $2,872,817 | $7,109,793 | $26,272,161 | 465 | 465 | 2.47 |
| 2019 | $15,595,362 | $53,345,056 | $122,554,536 | 2,179 | 2,178 | 3.42 |
| 2020 | $18,624,678 | $74,432,115 | $110,491,115 | 1,662 | 1,662 | 4.00 |
| 2021 | $14,370,739 | $22,120,804 | $120,874,307 | 1,061 | 1,060 | 1.54 |
| 2022 | $9,112,353 | $36,338,860 | $54,151,909 | 834 | 834 | 3.99 |
| 2023 | $11,591,722 | $20,532,741 | $89,886,047 | 676 | 676 | 1.77 |
| 2024 | $12,124,259 | $31,485,654 | $100,012,581 | 896 | 896 | 2.60 |
Commodities insured in Cass 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.
Corn 10 years filed
- 0.98Low end of the filed band
- 2.34Middle of the filed band
- 4.53High end of the filed band
- 2022Worst year filed (4.84)
- 10Years filed
- $52,185,428Premium filed
- $162,600,119Indemnity paid
- $322,032,902Liability insured
- 698,475Quantity planted
- 689,199Quantity lost
- 2,876Policies
- 2,875Policies with a loss
- 3.12Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Excess Moisture/Precipitation/Rain $123,838,482 indemnity · 10 years
- Cold Wet Weather $18,151,909 indemnity · 9 years
- Drought $11,726,424 indemnity · 8 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $2,821,249 indemnity · 3 years
- Decline in Price $1,359,333 indemnity · 7 years
- All Other Causes $1,285,431 indemnity · 3 years
Soybeans 10 years filed
- 1.46Low end of the filed band
- 2.11Middle of the filed band
- 2.95High end of the filed band
- 2019Worst year filed (3.03)
- 10Years filed
- $31,560,723Premium filed
- $67,127,837Indemnity paid
- $270,369,825Liability insured
- 834,739Quantity planted
- 788,475Quantity lost
- 3,783Policies
- 3,783Policies with a loss
- 2.13Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Excess Moisture/Precipitation/Rain $29,028,817 indemnity · 10 years
- Drought $16,167,078 indemnity · 9 years
- Hail $9,397,218 indemnity · 10 years
- Cold Wet Weather $5,624,781 indemnity · 9 years
- Decline in Price $1,535,728 indemnity · 10 years
- Freeze $1,301,494 indemnity · 2 years
Sugar Beets 10 years filed
- 0.45Low end of the filed band
- 1.76Middle of the filed band
- 4.73High end of the filed band
- 2019Worst year filed (9.41)
- 10Years filed
- $3,318,440Premium filed
- $13,151,439Indemnity paid
- $40,276,691Liability insured
- 39,450Quantity planted
- 31,910Quantity lost
- 618Policies
- 617Policies with a loss
- 3.96Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Excess Moisture/Precipitation/Rain $6,505,592 indemnity · 7 years
- Cold Wet Weather $1,398,017 indemnity · 5 years
- Drought $969,989 indemnity · 7 years
- Plant Disease $938,019 indemnity · 4 years
- Wind/Excess Wind $893,366 indemnity · 7 years
- Freeze $892,919 indemnity · 4 years
Wheat 10 years filed
- 1.63Low end of the filed band
- 2.44Middle of the filed band
- 4.03High end of the filed band
- 2022Worst year filed (4.68)
- 10Years filed
- $3,770,897Premium filed
- $12,830,543Indemnity paid
- $37,533,801Liability insured
- 140,345Quantity planted
- 139,539Quantity lost
- 1,048Policies
- 1,048Policies with a loss
- 3.40Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Excess Moisture/Precipitation/Rain $6,848,487 indemnity · 10 years
- Drought $1,133,955 indemnity · 8 years
- Falling Numbers $1,028,648 indemnity · 3 years
- Cold Wet Weather $996,718 indemnity · 8 years
- Hail $601,931 indemnity · 7 years
- Decline in Price $591,405 indemnity · 8 years
Sunflowers 10 years filed
- 0.99Low end of the filed band
- 2.50Middle of the filed band
- 4.09High end of the filed band
- 2017Worst year filed (6.31)
- 10Years filed
- $2,513,119Premium filed
- $7,391,861Indemnity paid
- $14,096,984Liability insured
- 43,488Quantity planted
- 42,327Quantity lost
- 236Policies
- 236Policies with a loss
- 2.94Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Excess Moisture/Precipitation/Rain $3,737,309 indemnity · 9 years
- Other (Snow, Lightning, Etc.) $1,186,145 indemnity · 1 years
- Cold Wet Weather $1,053,031 indemnity · 5 years
- Decline in Price $664,793 indemnity · 3 years
- Wind/Excess Wind $279,526 indemnity · 5 years
- Hail $167,834 indemnity · 3 years
Dry Beans 10 years filed
- 0.35Low end of the filed band
- 1.71Middle of the filed band
- 2.28High end of the filed band
- 2018Worst year filed (3.95)
- 10Years filed
- $2,312,930Premium filed
- $4,218,051Indemnity paid
- $13,979,202Liability insured
- 31,402Quantity planted
- 28,348Quantity lost
- 196Policies
- 196Policies with a loss
- 1.82Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Excess Moisture/Precipitation/Rain $1,952,549 indemnity · 9 years
- Drought $958,374 indemnity · 3 years
- Decline in Price $327,481 indemnity · 5 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $215,553 indemnity · 2 years
- Cold Wet Weather $159,884 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $157,760 indemnity · 2 years
Barley 10 years filed
- 0.33Low end of the filed band
- 2.01Middle of the filed band
- 3.45High end of the filed band
- 2018Worst year filed (3.98)
- 10Years filed
- $878,405Premium filed
- $2,222,776Indemnity paid
- $6,506,085Liability insured
- 22,410Quantity planted
- 21,012Quantity lost
- 132Policies
- 132Policies with a loss
- 2.53Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Excess Moisture/Precipitation/Rain $1,009,622 indemnity · 7 years
- Other (Snow, Lightning, Etc.) $414,477 indemnity · 4 years
- Drought $341,759 indemnity · 6 years
- Cold Wet Weather $155,604 indemnity · 2 years
- Plant Disease $118,359 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $76,849 indemnity · 1 years
Every county-crop the agency files in North Dakota → Buy the Cass 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.