Crop-loss band · North Dakota
Mercer County, North Dakota — crop-loss band
- 1.66Low end of the filed band
- 2.06Middle of the filed band
- 3.32High end of the filed band
- 2021Worst year filed (5.29)
- 10Years filed
Every year the Risk Management Agency has filed for Mercer 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 1.66 at the low end to 3.32 at the high end, with 2.06 in the middle. The worst year filed is 2021, at 5.29. 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 | $826,058 | $1,810,514 | $4,379,219 | 172 | 172 | 2.19 |
| 2016 | $347,892 | $685,492 | $1,683,013 | 111 | 111 | 1.97 |
| 2017 | $2,971,410 | $7,923,236 | $15,514,718 | 467 | 461 | 2.67 |
| 2018 | $1,554,482 | $3,135,027 | $8,435,874 | 222 | 222 | 2.02 |
| 2019 | $937,233 | $2,352,405 | $5,966,583 | 174 | 173 | 2.51 |
| 2020 | $992,352 | $2,040,177 | $6,109,936 | 236 | 236 | 2.06 |
| 2021 | $5,304,805 | $28,042,343 | $35,957,515 | 684 | 684 | 5.29 |
| 2022 | $1,829,946 | $3,032,383 | $10,944,801 | 268 | 268 | 1.66 |
| 2023 | $4,078,981 | $13,551,288 | $24,555,060 | 467 | 467 | 3.32 |
| 2024 | $1,567,686 | $3,051,894 | $9,568,601 | 292 | 292 | 1.95 |
Commodities insured in Mercer 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.
Wheat 10 years filed
- 1.56Low end of the filed band
- 2.35Middle of the filed band
- 3.30High end of the filed band
- 2021Worst year filed (6.01)
- 10Years filed
- $5,360,960Premium filed
- $20,209,939Indemnity paid
- $32,620,313Liability insured
- 158,595Quantity planted
- 159,382Quantity lost
- 614Policies
- 614Policies with a loss
- 3.77Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- Drought $13,795,537 indemnity · 9 years
- Hail $3,117,152 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $1,070,552 indemnity · 8 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $938,924 indemnity · 2 years
- Falling Numbers $681,279 indemnity · 1 years
- Heat $218,076 indemnity · 5 years
Corn 10 years filed
- 1.00Low end of the filed band
- 1.60Middle of the filed band
- 2.72High end of the filed band
- 2021Worst year filed (4.47)
- 10Years filed
- $5,703,950Premium filed
- $14,281,644Indemnity paid
- $30,862,551Liability insured
- 90,553Quantity planted
- 90,516Quantity lost
- 388Policies
- 388Policies with a loss
- 2.50Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- Drought $10,311,969 indemnity · 9 years
- Hail $1,487,565 indemnity · 7 years
- Wind/Excess Wind $912,433 indemnity · 3 years
- Decline in Price $412,316 indemnity · 6 years
- Heat $396,927 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $372,797 indemnity · 4 years
Soybeans 10 years filed
- 0.99Low end of the filed band
- 2.38Middle of the filed band
- 5.92High end of the filed band
- 2023Worst year filed (6.00)
- 10Years filed
- $2,582,388Premium filed
- $11,155,757Indemnity paid
- $21,212,481Liability insured
- 79,436Quantity planted
- 80,333Quantity lost
- 332Policies
- 332Policies with a loss
- 4.32Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- Drought $7,037,520 indemnity · 9 years
- Hail $2,394,340 indemnity · 5 years
- Heat $1,006,805 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $347,959 indemnity · 4 years
- Decline in Price $136,031 indemnity · 4 years
- Insects $75,299 indemnity · 1 years
Sunflowers 10 years filed
- 1.16Low end of the filed band
- 2.39Middle of the filed band
- 3.18High end of the filed band
- 2019Worst year filed (3.21)
- 10Years filed
- $1,542,878Premium filed
- $4,149,630Indemnity paid
- $7,974,972Liability insured
- 27,970Quantity planted
- 28,231Quantity lost
- 132Policies
- 132Policies with a loss
- 2.69Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- Drought $1,403,750 indemnity · 8 years
- Hail $1,403,728 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $569,809 indemnity · 1 years
- Wind/Excess Wind $373,983 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $246,620 indemnity · 5 years
- Insects $54,023 indemnity · 4 years
Barley 10 years filed
- 1.29Low end of the filed band
- 2.33Middle of the filed band
- 4.31High end of the filed band
- 2021Worst year filed (5.82)
- 10Years filed
- $1,005,863Premium filed
- $3,828,596Indemnity paid
- $5,803,132Liability insured
- 30,720Quantity planted
- 30,659Quantity lost
- 174Policies
- 174Policies with a loss
- 3.81Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- Drought $2,357,508 indemnity · 9 years
- Hail $1,223,986 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $100,075 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $68,496 indemnity · 2 years
- Wind/Excess Wind $35,599 indemnity · 2 years
- Heat $24,737 indemnity · 3 years
Dry Beans 8 years filed
- 0.67Low end of the filed band
- 2.16Middle of the filed band
- 10.66High end of the filed band
- 2021Worst year filed (10.66)
- 8Years filed
- $665,236Premium filed
- $3,716,130Indemnity paid
- $4,996,843Liability insured
- 11,557Quantity planted
- 11,557Quantity lost
- 35Policies
- 35Policies with a loss
- 5.59Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- Drought $2,899,133 indemnity · 5 years
- Hail $406,847 indemnity · 2 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $152,264 indemnity · 3 years
- Heat $124,132 indemnity · 3 years
- Frost $80,759 indemnity · 1 years
- Decline in Price $42,491 indemnity · 2 years
Canola 10 years filed
- 0.64Low end of the filed band
- 2.97Middle of the filed band
- 4.34High end of the filed band
- 2016Worst year filed (5.72)
- 10Years filed
- $1,052,341Premium filed
- $3,279,496Indemnity paid
- $6,474,912Liability insured
- 26,596Quantity planted
- 26,308Quantity lost
- 144Policies
- 144Policies with a loss
- 3.12Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- Drought $1,627,382 indemnity · 8 years
- Hail $964,123 indemnity · 5 years
- Heat $322,562 indemnity · 5 years
- Insects $190,707 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $103,972 indemnity · 5 years
- Wind/Excess Wind $17,343 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 1.01Low end of the filed band
- 1.61Middle of the filed band
- 2.36High end of the filed band
- 2020Worst year filed (2.39)
- 10Years filed
- $1,017,188Premium filed
- $1,690,413Indemnity paid
- $5,473,039Liability insured
- 204,742Quantity planted
- 0Quantity lost
- 740Policies
- 740Policies with a loss
- 1.66Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- ARPI/SCO/STAX Crops Only $1,690,413 indemnity · 10 years
Apiculture 9 years filed
- 0.82Low end of the filed band
- 1.36Middle of the filed band
- 2.68High end of the filed band
- 2021Worst year filed (2.68)
- 9Years filed
- $785,271Premium filed
- $1,236,921Indemnity paid
- $4,039,803Liability insured
- 19,779Quantity planted
- 0Quantity lost
- 150Policies
- 150Policies with a loss
- 1.58Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- ARPI/SCO/STAX Crops Only $1,236,921 indemnity · 9 years
Forage Production 10 years filed
- 1.31Low end of the filed band
- 1.56Middle of the filed band
- 4.39High end of the filed band
- 2024Worst year filed (6.87)
- 10Years filed
- $423,220Premium filed
- $1,107,907Indemnity paid
- $2,274,980Liability insured
- 29,718Quantity planted
- 29,736Quantity lost
- 250Policies
- 244Policies with a loss
- 2.62Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- Drought $1,012,142 indemnity · 8 years
- Freeze $28,869 indemnity · 1 years
- Hail $23,210 indemnity · 2 years
- Frost $21,890 indemnity · 3 years
- Heat $12,990 indemnity · 3 years
- Cold Winter $5,713 indemnity · 2 years
Oats 9 years filed
- 2.14Low end of the filed band
- 2.76Middle of the filed band
- 5.23High end of the filed band
- 2017Worst year filed (5.23)
- 9Years filed
- $271,550Premium filed
- $968,326Indemnity paid
- $1,382,294Liability insured
- 13,636Quantity planted
- 13,682Quantity lost
- 134Policies
- 133Policies with a loss
- 3.57Loss ratio, whole span
Causes that carried the indemnity in Mercer County
- Drought $851,039 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $39,307 indemnity · 4 years
- Heat $23,127 indemnity · 3 years
- Insects $17,207 indemnity · 3 years
- Other (Snow, Lightning, Etc.) $16,932 indemnity · 1 years
- Hail $14,567 indemnity · 4 years
Every county-crop the agency files in North Dakota → Buy the Mercer 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.