Crop-loss band · North Dakota
McHenry County, North Dakota — crop-loss band
- 1.30Low end of the filed band
- 2.31Middle of the filed band
- 3.54High end of the filed band
- 2021Worst year filed (4.16)
- 10Years filed
Every year the Risk Management Agency has filed for McHenry 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 1.30 at the low end to 3.54 at the high end, with 2.31 in the middle. The worst year filed is 2021, at 4.16. 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 | $2,660,798 | $5,814,278 | $13,949,168 | 626 | 625 | 2.19 |
| 2016 | $510,392 | $662,633 | $2,477,997 | 153 | 153 | 1.30 |
| 2017 | $3,889,158 | $7,221,276 | $23,164,121 | 700 | 700 | 1.86 |
| 2018 | $5,354,230 | $12,528,311 | $41,270,729 | 607 | 606 | 2.34 |
| 2019 | $2,277,536 | $7,007,488 | $15,069,466 | 479 | 479 | 3.08 |
| 2020 | $3,181,875 | $9,573,877 | $20,051,803 | 870 | 869 | 3.01 |
| 2021 | $16,787,402 | $69,782,822 | $121,937,604 | 1,946 | 1,945 | 4.16 |
| 2022 | $3,706,845 | $13,103,821 | $18,266,545 | 1,064 | 1,064 | 3.54 |
| 2023 | $6,714,126 | $15,501,535 | $33,952,438 | 1,180 | 1,180 | 2.31 |
| 2024 | $2,840,820 | $6,364,566 | $17,863,738 | 618 | 618 | 2.24 |
Commodities insured in McHenry County
12 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.
Soybeans 10 years filed
- 1.58Low end of the filed band
- 2.58Middle of the filed band
- 4.69High end of the filed band
- 2022Worst year filed (5.14)
- 10Years filed
- $15,142,384Premium filed
- $52,062,309Indemnity paid
- $131,256,761Liability insured
- 486,210Quantity planted
- 479,241Quantity lost
- 2,165Policies
- 2,164Policies with a loss
- 3.44Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Drought $33,929,678 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $6,618,208 indemnity · 10 years
- Hail $4,564,577 indemnity · 10 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,496,304 indemnity · 2 years
- Heat $851,945 indemnity · 6 years
- Other (Snow, Lightning, Etc.) $810,771 indemnity · 2 years
Corn 10 years filed
- 1.39Low end of the filed band
- 2.28Middle of the filed band
- 3.22High end of the filed band
- 2021Worst year filed (4.09)
- 10Years filed
- $12,659,822Premium filed
- $35,730,761Indemnity paid
- $67,887,021Liability insured
- 188,201Quantity planted
- 188,216Quantity lost
- 1,496Policies
- 1,495Policies with a loss
- 2.82Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Drought $21,630,253 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $6,630,015 indemnity · 9 years
- Hail $2,335,021 indemnity · 8 years
- Cold Wet Weather $1,178,342 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $966,380 indemnity · 4 years
- XX $704,486 indemnity · 4 years
Wheat 10 years filed
- 1.17Low end of the filed band
- 2.14Middle of the filed band
- 3.76High end of the filed band
- 2021Worst year filed (4.46)
- 10Years filed
- $9,892,108Premium filed
- $30,546,091Indemnity paid
- $55,856,582Liability insured
- 274,186Quantity planted
- 273,855Quantity lost
- 1,876Policies
- 1,876Policies with a loss
- 3.09Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Drought $17,532,660 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $6,355,866 indemnity · 10 years
- Hail $2,096,706 indemnity · 9 years
- Cold Wet Weather $1,076,911 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,042,911 indemnity · 1 years
- Plant Disease $902,427 indemnity · 3 years
Canola 10 years filed
- 0.85Low end of the filed band
- 2.59Middle of the filed band
- 3.52High end of the filed band
- 2021Worst year filed (3.68)
- 10Years filed
- $4,442,219Premium filed
- $13,644,259Indemnity paid
- $23,865,721Liability insured
- 94,613Quantity planted
- 95,509Quantity lost
- 928Policies
- 927Policies with a loss
- 3.07Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Drought $5,871,557 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $3,189,074 indemnity · 8 years
- ARPI/SCO/STAX/MP Crops Only $1,768,952 indemnity · 2 years
- Cold Wet Weather $949,312 indemnity · 8 years
- Hail $764,303 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $273,570 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 0.86Low end of the filed band
- 1.56Middle of the filed band
- 2.50High end of the filed band
- 2023Worst year filed (3.09)
- 10Years filed
- $1,848,866Premium filed
- $4,323,025Indemnity paid
- $9,090,982Liability insured
- 207,646Quantity planted
- 0Quantity lost
- 570Policies
- 570Policies with a loss
- 2.34Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- ARPI/SCO/STAX Crops Only $4,323,025 indemnity · 10 years
Barley 10 years filed
- 2.28Low end of the filed band
- 2.76Middle of the filed band
- 3.55High end of the filed band
- 2021Worst year filed (3.59)
- 10Years filed
- $1,232,894Premium filed
- $3,789,469Indemnity paid
- $6,182,260Liability insured
- 32,077Quantity planted
- 32,092Quantity lost
- 411Policies
- 410Policies with a loss
- 3.07Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Drought $1,974,192 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $675,684 indemnity · 9 years
- Hail $443,141 indemnity · 7 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $223,058 indemnity · 4 years
- Heat $90,306 indemnity · 5 years
- XX $69,740 indemnity · 2 years
Oats 10 years filed
- 1.61Low end of the filed band
- 2.32Middle of the filed band
- 3.95High end of the filed band
- 2024Worst year filed (4.58)
- 10Years filed
- $715,879Premium filed
- $2,229,453Indemnity paid
- $3,251,655Liability insured
- 20,971Quantity planted
- 20,935Quantity lost
- 287Policies
- 287Policies with a loss
- 3.11Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Drought $1,455,615 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $301,453 indemnity · 7 years
- Hail $230,595 indemnity · 4 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $188,836 indemnity · 2 years
- All Other Causes $28,629 indemnity · 2 years
- Cold Wet Weather $16,201 indemnity · 4 years
Sunflowers 9 years filed
- 1.74Low end of the filed band
- 3.07Middle of the filed band
- 5.37High end of the filed band
- 2016Worst year filed (5.37)
- 9Years filed
- $460,459Premium filed
- $1,412,883Indemnity paid
- $2,354,583Liability insured
- 11,813Quantity planted
- 11,587Quantity lost
- 120Policies
- 120Policies with a loss
- 3.07Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Drought $529,558 indemnity · 7 years
- Wildlife $376,408 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $374,465 indemnity · 8 years
- Hail $53,873 indemnity · 2 years
- Wind/Excess Wind $38,354 indemnity · 1 years
- All Other Causes $20,273 indemnity · 1 years
Dry Beans 8 years filed
- 1.21Low end of the filed band
- 3.00Middle of the filed band
- 6.15High end of the filed band
- 2021Worst year filed (6.15)
- 8Years filed
- $492,296Premium filed
- $1,259,324Indemnity paid
- $2,393,070Liability insured
- 7,721Quantity planted
- 7,721Quantity lost
- 37Policies
- 37Policies with a loss
- 2.56Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Hail $344,224 indemnity · 3 years
- Drought $342,085 indemnity · 4 years
- Frost $232,569 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $216,906 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $76,912 indemnity · 1 years
- Heat $29,408 indemnity · 1 years
Apiculture 10 years filed
- 0.48Low end of the filed band
- 1.27Middle of the filed band
- 3.00High end of the filed band
- 2020Worst year filed (3.02)
- 10Years filed
- $484,082Premium filed
- $998,909Indemnity paid
- $2,357,625Liability insured
- 11,499Quantity planted
- 0Quantity lost
- 131Policies
- 131Policies with a loss
- 2.06Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- ARPI/SCO/STAX Crops Only $998,909 indemnity · 10 years
Flax 10 years filed
- 0.87Low end of the filed band
- 2.75Middle of the filed band
- 4.17High end of the filed band
- 2024Worst year filed (4.84)
- 10Years filed
- $279,656Premium filed
- $887,334Indemnity paid
- $1,805,020Liability insured
- 11,396Quantity planted
- 11,321Quantity lost
- 156Policies
- 156Policies with a loss
- 3.17Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Drought $396,594 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $188,000 indemnity · 8 years
- Cold Wet Weather $109,669 indemnity · 6 years
- Other (Snow, Lightning, Etc.) $72,697 indemnity · 1 years
- Hail $35,081 indemnity · 4 years
- Heat $32,877 indemnity · 4 years
Dry Peas 10 years filed
- 0.65Low end of the filed band
- 3.05Middle of the filed band
- 5.09High end of the filed band
- 2023Worst year filed (6.88)
- 10Years filed
- $272,517Premium filed
- $676,790Indemnity paid
- $1,702,330Liability insured
- 8,220Quantity planted
- 8,220Quantity lost
- 66Policies
- 66Policies with a loss
- 2.48Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Drought $487,783 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $67,675 indemnity · 5 years
- Cold Wet Weather $61,164 indemnity · 2 years
- Hail $40,229 indemnity · 3 years
- Hot Wind $9,841 indemnity · 1 years
- Heat $6,059 indemnity · 1 years
Every county-crop the agency files in North Dakota → Buy the McHenry 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.