Crop-loss band · North Dakota
Divide County, North Dakota — crop-loss band
- 1.96Low end of the filed band
- 2.38Middle of the filed band
- 2.85High end of the filed band
- 2019Worst year filed (3.09)
- 10Years filed
Every year the Risk Management Agency has filed for Divide 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 1.96 at the low end to 2.85 at the high end, with 2.38 in the middle. The worst year filed is 2019, at 3.09. 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 | $1,696,364 | $3,914,319 | $9,339,040 | 405 | 405 | 2.31 |
| 2016 | $3,072,797 | $7,735,697 | $14,741,870 | 411 | 411 | 2.52 |
| 2017 | $6,969,357 | $18,449,740 | $36,890,613 | 948 | 948 | 2.65 |
| 2018 | $2,521,867 | $5,168,127 | $12,337,445 | 446 | 446 | 2.05 |
| 2019 | $5,643,963 | $17,461,770 | $30,280,660 | 819 | 819 | 3.09 |
| 2020 | $2,420,766 | $6,906,323 | $12,773,471 | 421 | 421 | 2.85 |
| 2021 | $5,234,296 | $12,434,623 | $24,989,970 | 672 | 672 | 2.38 |
| 2022 | $5,829,494 | $16,321,933 | $23,083,700 | 697 | 697 | 2.80 |
| 2023 | $6,951,336 | $15,040,874 | $35,629,726 | 787 | 787 | 2.16 |
| 2024 | $4,146,969 | $8,123,458 | $20,283,206 | 593 | 593 | 1.96 |
Commodities insured in Divide 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
- 1.79Low end of the filed band
- 2.30Middle of the filed band
- 3.03High end of the filed band
- 2019Worst year filed (3.12)
- 10Years filed
- $20,188,374Premium filed
- $52,877,221Indemnity paid
- $103,177,555Liability insured
- 613,565Quantity planted
- 613,932Quantity lost
- 2,216Policies
- 2,216Policies with a loss
- 2.62Loss ratio, whole span
Causes that carried the indemnity in Divide County
- Drought $22,367,060 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $18,952,967 indemnity · 9 years
- Cold Wet Weather $1,897,025 indemnity · 7 years
- Hail $1,707,639 indemnity · 10 years
- Plant Disease $1,528,984 indemnity · 5 years
- Mycotoxin $1,483,032 indemnity · 2 years
Dry Peas 10 years filed
- 1.60Low end of the filed band
- 2.30Middle of the filed band
- 2.57High end of the filed band
- 2019Worst year filed (2.99)
- 10Years filed
- $9,564,612Premium filed
- $21,565,177Indemnity paid
- $41,940,710Liability insured
- 221,963Quantity planted
- 222,475Quantity lost
- 1,124Policies
- 1,124Policies with a loss
- 2.25Loss ratio, whole span
Causes that carried the indemnity in Divide County
- Drought $9,798,286 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $6,505,165 indemnity · 9 years
- Hail $2,261,537 indemnity · 8 years
- Heat $1,004,626 indemnity · 8 years
- Decline in Price $628,171 indemnity · 6 years
- Plant Disease $598,827 indemnity · 5 years
Soybeans 10 years filed
- 1.28Low end of the filed band
- 2.06Middle of the filed band
- 2.92High end of the filed band
- 2020Worst year filed (3.37)
- 10Years filed
- $6,413,973Premium filed
- $16,174,355Indemnity paid
- $30,849,393Liability insured
- 161,967Quantity planted
- 163,211Quantity lost
- 851Policies
- 851Policies with a loss
- 2.52Loss ratio, whole span
Causes that carried the indemnity in Divide County
- Drought $8,357,404 indemnity · 8 years
- Frost $2,001,573 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $1,411,367 indemnity · 7 years
- Hail $1,407,218 indemnity · 6 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $1,249,112 indemnity · 5 years
- Freeze $660,412 indemnity · 2 years
Canola 10 years filed
- 1.33Low end of the filed band
- 2.53Middle of the filed band
- 3.67High end of the filed band
- 2015Worst year filed (4.47)
- 10Years filed
- $3,781,117Premium filed
- $10,608,177Indemnity paid
- $21,565,416Liability insured
- 92,674Quantity planted
- 93,441Quantity lost
- 442Policies
- 442Policies with a loss
- 2.81Loss ratio, whole span
Causes that carried the indemnity in Divide County
- Drought $4,682,224 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $4,415,479 indemnity · 9 years
- Heat $526,122 indemnity · 4 years
- Wind/Excess Wind $370,486 indemnity · 3 years
- Hail $195,280 indemnity · 6 years
- Insects $144,734 indemnity · 2 years
Flax 10 years filed
- 1.49Low end of the filed band
- 2.23Middle of the filed band
- 2.65High end of the filed band
- 2019Worst year filed (3.51)
- 10Years filed
- $1,691,576Premium filed
- $4,582,173Indemnity paid
- $8,245,531Liability insured
- 62,281Quantity planted
- 62,283Quantity lost
- 381Policies
- 381Policies with a loss
- 2.71Loss ratio, whole span
Causes that carried the indemnity in Divide County
- Excess Moisture/Precipitation/Rain $2,296,516 indemnity · 9 years
- Drought $1,607,759 indemnity · 9 years
- Cold Wet Weather $348,701 indemnity · 4 years
- Heat $108,068 indemnity · 4 years
- Hail $91,287 indemnity · 4 years
- Other (Snow, Lightning, Etc.) $74,140 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 0.90Low end of the filed band
- 1.99Middle of the filed band
- 2.78High end of the filed band
- 2017Worst year filed (3.33)
- 10Years filed
- $1,155,169Premium filed
- $2,327,264Indemnity paid
- $6,594,246Liability insured
- 222,126Quantity planted
- 0Quantity lost
- 888Policies
- 888Policies with a loss
- 2.01Loss ratio, whole span
Causes that carried the indemnity in Divide County
- ARPI/SCO/STAX Crops Only $2,327,264 indemnity · 10 years
Sunflowers 9 years filed
- 0.45Low end of the filed band
- 1.76Middle of the filed band
- 2.92High end of the filed band
- 2017Worst year filed (2.92)
- 9Years filed
- $756,417Premium filed
- $1,395,841Indemnity paid
- $2,538,496Liability insured
- 11,622Quantity planted
- 12,007Quantity lost
- 86Policies
- 86Policies with a loss
- 1.85Loss ratio, whole span
Causes that carried the indemnity in Divide County
- Drought $612,829 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $356,670 indemnity · 5 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $116,385 indemnity · 1 years
- Hail $86,565 indemnity · 2 years
- Wind/Excess Wind $79,455 indemnity · 2 years
- Heat $70,259 indemnity · 1 years
Corn 10 years filed
- 1.19Low end of the filed band
- 2.43Middle of the filed band
- 2.95High end of the filed band
- 2017Worst year filed (3.87)
- 10Years filed
- $416,161Premium filed
- $964,852Indemnity paid
- $2,429,109Liability insured
- 7,547Quantity planted
- 7,552Quantity lost
- 79Policies
- 79Policies with a loss
- 2.32Loss ratio, whole span
Causes that carried the indemnity in Divide County
- Drought $626,430 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $99,745 indemnity · 4 years
- Hail $96,543 indemnity · 5 years
- Wind/Excess Wind $75,301 indemnity · 1 years
- Heat $33,619 indemnity · 3 years
- Frost $20,809 indemnity · 1 years
Barley 10 years filed
- 0.20Low end of the filed band
- 1.40Middle of the filed band
- 2.30High end of the filed band
- 2023Worst year filed (4.56)
- 10Years filed
- $257,536Premium filed
- $590,867Indemnity paid
- $1,650,973Liability insured
- 7,413Quantity planted
- 7,627Quantity lost
- 77Policies
- 77Policies with a loss
- 2.29Loss ratio, whole span
Causes that carried the indemnity in Divide County
- Drought $336,120 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $185,512 indemnity · 4 years
- Hail $18,631 indemnity · 3 years
- Decline in Price $18,377 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $13,549 indemnity · 1 years
- Cold Wet Weather $12,564 indemnity · 1 years
Apiculture 7 years filed
- 0.98Low end of the filed band
- 1.60Middle of the filed band
- 2.37High end of the filed band
- 2018Worst year filed (2.37)
- 7Years filed
- $262,274Premium filed
- $470,937Indemnity paid
- $1,358,272Liability insured
- 6,576Quantity planted
- 0Quantity lost
- 55Policies
- 55Policies with a loss
- 1.80Loss ratio, whole span
Causes that carried the indemnity in Divide County
- ARPI/SCO/STAX/MP Crops Only $470,937 indemnity · 7 years
Every county-crop the agency files in North Dakota → Buy the Divide 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.