Crop-loss band · North Dakota
Emmons County, North Dakota — crop-loss band
- 1.60Low end of the filed band
- 2.24Middle of the filed band
- 3.15High end of the filed band
- 2021Worst year filed (4.12)
- 10Years filed
Every year the Risk Management Agency has filed for Emmons 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 1.60 at the low end to 3.15 at the high end, with 2.24 in the middle. The worst year filed is 2021, at 4.12. 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 | $2,611,730 | $4,582,665 | $12,887,696 | 326 | 326 | 1.75 |
| 2016 | $3,736,818 | $8,371,980 | $18,327,267 | 524 | 524 | 2.24 |
| 2017 | $6,305,132 | $15,584,066 | $30,415,189 | 820 | 820 | 2.47 |
| 2018 | $4,595,193 | $8,362,200 | $26,782,702 | 340 | 340 | 1.82 |
| 2019 | $5,977,242 | $18,856,852 | $35,616,338 | 661 | 661 | 3.15 |
| 2020 | $5,759,700 | $16,565,365 | $33,301,404 | 830 | 830 | 2.88 |
| 2021 | $19,172,836 | $79,024,353 | $129,816,479 | 1,336 | 1,334 | 4.12 |
| 2022 | $8,758,263 | $17,283,676 | $54,118,389 | 808 | 807 | 1.97 |
| 2023 | $1,988,411 | $4,556,319 | $9,650,139 | 282 | 282 | 2.29 |
| 2024 | $3,906,290 | $6,262,923 | $19,834,056 | 435 | 435 | 1.60 |
Commodities insured in Emmons County
11 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
- 1.70Low end of the filed band
- 2.32Middle of the filed band
- 3.46High end of the filed band
- 2021Worst year filed (4.41)
- 10Years filed
- $21,680,022Premium filed
- $68,475,212Indemnity paid
- $136,433,302Liability insured
- 343,082Quantity planted
- 343,378Quantity lost
- 1,589Policies
- 1,587Policies with a loss
- 3.16Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- Drought $49,037,012 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $10,757,669 indemnity · 9 years
- Hail $2,824,089 indemnity · 9 years
- Heat $2,089,818 indemnity · 7 years
- Wind/Excess Wind $1,504,785 indemnity · 6 years
- Cold Wet Weather $1,084,465 indemnity · 4 years
Soybeans 10 years filed
- 1.21Low end of the filed band
- 1.94Middle of the filed band
- 3.23High end of the filed band
- 2021Worst year filed (3.48)
- 10Years filed
- $18,452,518Premium filed
- $45,098,591Indemnity paid
- $115,700,241Liability insured
- 364,969Quantity planted
- 367,119Quantity lost
- 1,300Policies
- 1,300Policies with a loss
- 2.44Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- Drought $33,614,928 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $4,078,244 indemnity · 10 years
- Hail $3,501,860 indemnity · 10 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,644,113 indemnity · 3 years
- Heat $803,237 indemnity · 5 years
- Decline in Price $544,963 indemnity · 7 years
Wheat 10 years filed
- 1.63Low end of the filed band
- 2.36Middle of the filed band
- 3.31High end of the filed band
- 2021Worst year filed (4.70)
- 10Years filed
- $8,334,510Premium filed
- $25,319,113Indemnity paid
- $43,532,432Liability insured
- 217,019Quantity planted
- 217,177Quantity lost
- 1,109Policies
- 1,109Policies with a loss
- 3.04Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- Drought $18,705,198 indemnity · 9 years
- Hail $2,402,519 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $2,219,638 indemnity · 10 years
- Falling Numbers $430,883 indemnity · 2 years
- Decline in Price $363,497 indemnity · 7 years
- Heat $340,401 indemnity · 7 years
Sunflowers 10 years filed
- 1.45Low end of the filed band
- 2.20Middle of the filed band
- 2.97High end of the filed band
- 2019Worst year filed (4.14)
- 10Years filed
- $7,277,008Premium filed
- $21,000,564Indemnity paid
- $40,578,998Liability insured
- 141,542Quantity planted
- 142,228Quantity lost
- 564Policies
- 564Policies with a loss
- 2.89Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- Excess Moisture/Precipitation/Rain $9,036,098 indemnity · 9 years
- Drought $6,213,379 indemnity · 9 years
- Hail $2,517,348 indemnity · 8 years
- Wind/Excess Wind $953,300 indemnity · 7 years
- Plant Disease $831,674 indemnity · 4 years
- Cold Wet Weather $659,837 indemnity · 4 years
Barley 10 years filed
- 0.89Low end of the filed band
- 2.35Middle of the filed band
- 3.61High end of the filed band
- 2021Worst year filed (4.28)
- 10Years filed
- $1,882,105Premium filed
- $5,009,097Indemnity paid
- $9,120,243Liability insured
- 34,221Quantity planted
- 34,222Quantity lost
- 139Policies
- 139Policies with a loss
- 2.66Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- Drought $2,996,986 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $1,136,062 indemnity · 7 years
- Hail $721,140 indemnity · 6 years
- Other (Snow, Lightning, Etc.) $71,622 indemnity · 2 years
- Wind/Excess Wind $61,243 indemnity · 1 years
- Heat $18,095 indemnity · 1 years
Dry Beans 8 years filed
- 0.79Low end of the filed band
- 2.43Middle of the filed band
- 8.96High end of the filed band
- 2021Worst year filed (8.96)
- 8Years filed
- $1,045,568Premium filed
- $4,886,678Indemnity paid
- $6,618,016Liability insured
- 13,206Quantity planted
- 13,421Quantity lost
- 38Policies
- 38Policies with a loss
- 4.67Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- Drought $4,325,810 indemnity · 3 years
- Decline in Price $262,243 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $153,651 indemnity · 5 years
- Hail $94,523 indemnity · 1 years
- Freeze $30,302 indemnity · 1 years
- Cold Wet Weather $12,402 indemnity · 1 years
Oats 10 years filed
- 1.15Low end of the filed band
- 1.99Middle of the filed band
- 3.22High end of the filed band
- 2021Worst year filed (3.27)
- 10Years filed
- $1,545,556Premium filed
- $4,163,421Indemnity paid
- $5,699,241Liability insured
- 35,431Quantity planted
- 35,464Quantity lost
- 378Policies
- 378Policies with a loss
- 2.69Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- Drought $3,434,934 indemnity · 8 years
- Hail $386,549 indemnity · 6 years
- Heat $130,422 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $117,870 indemnity · 7 years
- Other (Snow, Lightning, Etc.) $43,044 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $21,961 indemnity · 2 years
Pasture,Rangeland,Forage 10 years filed
- 0.23Low end of the filed band
- 1.31Middle of the filed band
- 2.23High end of the filed band
- 2021Worst year filed (2.52)
- 10Years filed
- $1,288,079Premium filed
- $2,103,493Indemnity paid
- $6,433,676Liability insured
- 234,066Quantity planted
- 0Quantity lost
- 870Policies
- 870Policies with a loss
- 1.63Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- ARPI/SCO/STAX Crops Only $2,103,493 indemnity · 10 years
Forage Production 10 years filed
- 1.39Low end of the filed band
- 1.88Middle of the filed band
- 3.33High end of the filed band
- 2024Worst year filed (4.87)
- 10Years filed
- $497,691Premium filed
- $1,350,822Indemnity paid
- $2,454,147Liability insured
- 22,574Quantity planted
- 22,594Quantity lost
- 194Policies
- 193Policies with a loss
- 2.71Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- Drought $1,238,516 indemnity · 9 years
- Freeze $67,578 indemnity · 3 years
- Frost $20,491 indemnity · 3 years
- Heat $9,903 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $7,650 indemnity · 1 years
- Cold Wet Weather $3,794 indemnity · 1 years
Dry Peas 9 years filed
- 2.25Low end of the filed band
- 3.23Middle of the filed band
- 5.09High end of the filed band
- 2022Worst year filed (5.09)
- 9Years filed
- $383,215Premium filed
- $1,317,386Indemnity paid
- $2,255,189Liability insured
- 12,509Quantity planted
- 12,509Quantity lost
- 54Policies
- 54Policies with a loss
- 3.44Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- Drought $997,964 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $185,530 indemnity · 4 years
- Heat $38,670 indemnity · 2 years
- Wind/Excess Wind $27,700 indemnity · 1 years
- Hail $25,053 indemnity · 1 years
- Freeze $17,616 indemnity · 1 years
Apiculture 10 years filed
- 0.37Low end of the filed band
- 1.52Middle of the filed band
- 2.05High end of the filed band
- 2017Worst year filed (2.06)
- 10Years filed
- $425,343Premium filed
- $726,022Indemnity paid
- $1,924,173Liability insured
- 9,427Quantity planted
- 0Quantity lost
- 127Policies
- 127Policies with a loss
- 1.71Loss ratio, whole span
Causes that carried the indemnity in Emmons County
- ARPI/SCO/STAX Crops Only $726,022 indemnity · 10 years
Every county-crop the agency files in North Dakota → Buy the Emmons 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.