Crop-loss band · North Dakota
Cavalier County, North Dakota — crop-loss band
- 1.20Low end of the filed band
- 1.74Middle of the filed band
- 2.42High end of the filed band
- 2019Worst year filed (3.01)
- 10Years filed
Every year the Risk Management Agency has filed for Cavalier 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 1.20 at the low end to 2.42 at the high end, with 1.74 in the middle. The worst year filed is 2019, at 3.01. 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 | $12,154,289 | $14,547,385 | $57,169,662 | 1,023 | 1,023 | 1.20 |
| 2016 | $12,154,217 | $25,455,935 | $52,554,751 | 1,093 | 1,093 | 2.09 |
| 2017 | $7,127,114 | $11,702,114 | $24,527,882 | 925 | 925 | 1.64 |
| 2018 | $6,854,937 | $10,104,719 | $29,017,983 | 747 | 747 | 1.47 |
| 2019 | $14,771,671 | $44,527,045 | $80,703,369 | 1,914 | 1,914 | 3.01 |
| 2020 | $7,125,239 | $15,254,308 | $27,396,635 | 944 | 944 | 2.14 |
| 2021 | $22,754,543 | $55,119,417 | $117,484,420 | 1,561 | 1,561 | 2.42 |
| 2022 | $15,752,390 | $27,476,653 | $62,729,150 | 1,357 | 1,357 | 1.74 |
| 2023 | $32,313,498 | $63,796,981 | $161,731,734 | 1,929 | 1,929 | 1.97 |
| 2024 | $18,955,631 | $29,139,651 | $82,681,604 | 1,743 | 1,743 | 1.54 |
Commodities insured in Cavalier 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
- 1.30Low end of the filed band
- 2.25Middle of the filed band
- 2.77High end of the filed band
- 2019Worst year filed (3.48)
- 10Years filed
- $50,061,370Premium filed
- $114,820,755Indemnity paid
- $235,629,320Liability insured
- 786,754Quantity planted
- 769,539Quantity lost
- 3,880Policies
- 3,880Policies with a loss
- 2.29Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- Excess Moisture/Precipitation/Rain $39,767,643 indemnity · 10 years
- Drought $34,977,872 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $14,547,942 indemnity · 3 years
- Other (Snow, Lightning, Etc.) $6,559,548 indemnity · 2 years
- Hail $5,923,076 indemnity · 10 years
- Falling Numbers $3,501,005 indemnity · 5 years
Canola 10 years filed
- 0.90Low end of the filed band
- 1.58Middle of the filed band
- 2.36High end of the filed band
- 2019Worst year filed (2.52)
- 10Years filed
- $66,017,921Premium filed
- $111,528,519Indemnity paid
- $302,199,097Liability insured
- 800,672Quantity planted
- 768,755Quantity lost
- 5,105Policies
- 5,105Policies with a loss
- 1.69Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- Excess Moisture/Precipitation/Rain $28,542,669 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $28,165,380 indemnity · 5 years
- Drought $26,855,851 indemnity · 9 years
- Wind/Excess Wind $8,225,806 indemnity · 9 years
- Hail $4,793,001 indemnity · 9 years
- Other (Snow, Lightning, Etc.) $3,816,434 indemnity · 3 years
Soybeans 10 years filed
- 1.37Low end of the filed band
- 1.72Middle of the filed band
- 2.37High end of the filed band
- 2020Worst year filed (2.80)
- 10Years filed
- $18,480,121Premium filed
- $34,954,606Indemnity paid
- $91,456,324Liability insured
- 354,152Quantity planted
- 361,367Quantity lost
- 2,173Policies
- 2,173Policies with a loss
- 1.89Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- Drought $15,547,622 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $8,465,558 indemnity · 9 years
- Hail $3,916,648 indemnity · 10 years
- Other (Snow, Lightning, Etc.) $1,411,311 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $1,386,287 indemnity · 1 years
- Wind/Excess Wind $983,540 indemnity · 9 years
Dry Beans 10 years filed
- 1.00Low end of the filed band
- 1.86Middle of the filed band
- 2.74High end of the filed band
- 2016Worst year filed (2.77)
- 10Years filed
- $5,282,007Premium filed
- $10,133,054Indemnity paid
- $21,481,339Liability insured
- 60,474Quantity planted
- 64,026Quantity lost
- 444Policies
- 444Policies with a loss
- 1.92Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- Excess Moisture/Precipitation/Rain $2,842,283 indemnity · 9 years
- Drought $2,787,179 indemnity · 7 years
- Hail $993,503 indemnity · 7 years
- Wind/Excess Wind $817,036 indemnity · 6 years
- Other (Snow, Lightning, Etc.) $648,692 indemnity · 1 years
- Decline in Price $471,981 indemnity · 6 years
Corn 9 years filed
- 2.28Low end of the filed band
- 2.75Middle of the filed band
- 5.34High end of the filed band
- 2019Worst year filed (5.34)
- 9Years filed
- $2,463,581Premium filed
- $7,669,092Indemnity paid
- $10,575,221Liability insured
- 29,420Quantity planted
- 29,328Quantity lost
- 254Policies
- 254Policies with a loss
- 3.11Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- Excess Moisture/Precipitation/Rain $2,958,249 indemnity · 8 years
- Drought $2,471,043 indemnity · 5 years
- Cold Wet Weather $966,519 indemnity · 4 years
- Other (Snow, Lightning, Etc.) $669,645 indemnity · 1 years
- Hail $161,794 indemnity · 3 years
- Heat $160,076 indemnity · 1 years
Barley 10 years filed
- 1.81Low end of the filed band
- 2.54Middle of the filed band
- 2.98High end of the filed band
- 2019Worst year filed (4.36)
- 10Years filed
- $2,611,558Premium filed
- $6,929,540Indemnity paid
- $13,038,971Liability insured
- 56,079Quantity planted
- 55,602Quantity lost
- 617Policies
- 617Policies with a loss
- 2.65Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- Excess Moisture/Precipitation/Rain $3,208,524 indemnity · 9 years
- Drought $1,509,459 indemnity · 8 years
- Mycotoxin $695,190 indemnity · 3 years
- Hail $635,869 indemnity · 6 years
- Cold Wet Weather $264,562 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $211,530 indemnity · 4 years
Dry Peas 10 years filed
- 2.41Low end of the filed band
- 3.07Middle of the filed band
- 3.88High end of the filed band
- 2015Worst year filed (5.12)
- 10Years filed
- $1,944,373Premium filed
- $5,270,559Indemnity paid
- $9,777,981Liability insured
- 36,321Quantity planted
- 35,617Quantity lost
- 290Policies
- 290Policies with a loss
- 2.71Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- Drought $3,189,301 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $1,132,868 indemnity · 9 years
- Hail $323,275 indemnity · 5 years
- Heat $120,587 indemnity · 1 years
- Wind/Excess Wind $116,505 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $97,007 indemnity · 2 years
Sunflowers 10 years filed
- 0.32Low end of the filed band
- 1.33Middle of the filed band
- 1.89High end of the filed band
- 2016Worst year filed (2.96)
- 10Years filed
- $1,910,061Premium filed
- $3,012,930Indemnity paid
- $5,866,225Liability insured
- 22,858Quantity planted
- 21,775Quantity lost
- 212Policies
- 212Policies with a loss
- 1.58Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- Excess Moisture/Precipitation/Rain $1,350,738 indemnity · 8 years
- Hail $671,137 indemnity · 4 years
- Drought $324,196 indemnity · 6 years
- Cold Wet Weather $240,245 indemnity · 6 years
- Wind/Excess Wind $146,332 indemnity · 7 years
- Other (Snow, Lightning, Etc.) $130,080 indemnity · 1 years
Apiculture 10 years filed
- 0.66Low end of the filed band
- 1.14Middle of the filed band
- 2.69High end of the filed band
- 2021Worst year filed (3.01)
- 10Years filed
- $852,171Premium filed
- $1,825,160Indemnity paid
- $4,158,019Liability insured
- 20,333Quantity planted
- 0Quantity lost
- 158Policies
- 158Policies with a loss
- 2.14Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- ARPI/SCO/STAX Crops Only $1,825,160 indemnity · 10 years
Flax 10 years filed
- 0.38Low end of the filed band
- 1.94Middle of the filed band
- 3.91High end of the filed band
- 2019Worst year filed (4.66)
- 10Years filed
- $340,365Premium filed
- $979,993Indemnity paid
- $1,814,692Liability insured
- 10,449Quantity planted
- 10,148Quantity lost
- 103Policies
- 103Policies with a loss
- 2.88Loss ratio, whole span
Causes that carried the indemnity in Cavalier County
- Excess Moisture/Precipitation/Rain $518,427 indemnity · 9 years
- Other (Snow, Lightning, Etc.) $149,110 indemnity · 2 years
- Drought $97,282 indemnity · 5 years
- Cold Wet Weather $83,290 indemnity · 3 years
- Wind/Excess Wind $70,800 indemnity · 5 years
- Heat $28,798 indemnity · 4 years
Every county-crop the agency files in North Dakota → Buy the Cavalier 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.