Crop-loss band · North Dakota
Oliver County, North Dakota — crop-loss band
- 1.71Low end of the filed band
- 2.03Middle of the filed band
- 2.46High end of the filed band
- 2021Worst year filed (5.30)
- 10Years filed
Every year the Risk Management Agency has filed for Oliver 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 1.71 at the low end to 2.46 at the high end, with 2.03 in the middle. The worst year filed is 2021, at 5.30. 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 | $628,458 | $1,168,133 | $3,093,465 | 122 | 122 | 1.86 |
| 2016 | $219,815 | $446,451 | $1,392,306 | 58 | 58 | 2.03 |
| 2017 | $1,629,115 | $3,572,137 | $9,749,882 | 255 | 255 | 2.19 |
| 2018 | $780,551 | $1,336,931 | $5,279,380 | 130 | 130 | 1.71 |
| 2019 | $554,871 | $1,363,259 | $3,593,344 | 107 | 107 | 2.46 |
| 2020 | $612,258 | $1,328,674 | $4,286,517 | 194 | 193 | 2.17 |
| 2021 | $3,953,911 | $20,942,875 | $30,934,602 | 551 | 551 | 5.30 |
| 2022 | $518,765 | $965,309 | $3,392,144 | 197 | 197 | 1.86 |
| 2023 | $919,160 | $2,167,622 | $5,568,450 | 213 | 213 | 2.36 |
| 2024 | $672,849 | $1,213,644 | $4,797,518 | 222 | 222 | 1.80 |
Commodities insured in Oliver County
8 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
- 1.29Low end of the filed band
- 2.16Middle of the filed band
- 2.98High end of the filed band
- 2021Worst year filed (4.81)
- 10Years filed
- $4,267,468Premium filed
- $13,409,826Indemnity paid
- $25,815,855Liability insured
- 121,647Quantity planted
- 121,685Quantity lost
- 471Policies
- 471Policies with a loss
- 3.14Loss ratio, whole span
Causes that carried the indemnity in Oliver County
- Drought $10,709,761 indemnity · 9 years
- Hail $987,168 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $923,461 indemnity · 8 years
- Plant Disease $358,237 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $156,365 indemnity · 1 years
- Heat $88,068 indemnity · 4 years
Corn 9 years filed
- 1.16Low end of the filed band
- 2.00Middle of the filed band
- 5.66High end of the filed band
- 2021Worst year filed (5.66)
- 9Years filed
- $2,260,502Premium filed
- $8,565,566Indemnity paid
- $16,084,145Liability insured
- 43,241Quantity planted
- 43,255Quantity lost
- 286Policies
- 285Policies with a loss
- 3.79Loss ratio, whole span
Causes that carried the indemnity in Oliver County
- Drought $7,370,754 indemnity · 7 years
- Wind/Excess Wind $459,191 indemnity · 4 years
- Frost $158,265 indemnity · 2 years
- Heat $153,218 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $149,263 indemnity · 6 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $103,273 indemnity · 4 years
Soybeans 10 years filed
- 1.62Low end of the filed band
- 2.46Middle of the filed band
- 6.71High end of the filed band
- 2023Worst year filed (10.30)
- 10Years filed
- $1,329,069Premium filed
- $6,476,033Indemnity paid
- $14,191,439Liability insured
- 53,236Quantity planted
- 53,140Quantity lost
- 220Policies
- 220Policies with a loss
- 4.87Loss ratio, whole span
Causes that carried the indemnity in Oliver County
- Drought $5,663,381 indemnity · 7 years
- Hail $627,713 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $63,137 indemnity · 5 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $30,543 indemnity · 2 years
- Frost $27,075 indemnity · 2 years
- Wind/Excess Wind $25,647 indemnity · 2 years
Pasture,Rangeland,Forage 10 years filed
- 0.68Low end of the filed band
- 1.54Middle of the filed band
- 2.70High end of the filed band
- 2017Worst year filed (3.74)
- 10Years filed
- $1,251,752Premium filed
- $2,483,134Indemnity paid
- $7,696,881Liability insured
- 264,447Quantity planted
- 0Quantity lost
- 742Policies
- 742Policies with a loss
- 1.98Loss ratio, whole span
Causes that carried the indemnity in Oliver County
- ARPI/SCO/STAX Crops Only $2,483,134 indemnity · 10 years
Dry Beans 10 years filed
- 0.78Low end of the filed band
- 1.53Middle of the filed band
- 4.54High end of the filed band
- 2021Worst year filed (8.32)
- 10Years filed
- $385,575Premium filed
- $1,054,185Indemnity paid
- $2,649,103Liability insured
- 7,719Quantity planted
- 7,920Quantity lost
- 55Policies
- 55Policies with a loss
- 2.73Loss ratio, whole span
Causes that carried the indemnity in Oliver County
- Drought $591,331 indemnity · 5 years
- Hail $269,784 indemnity · 8 years
- Heat $84,115 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $70,027 indemnity · 2 years
- Other (Snow, Lightning, Etc.) $16,279 indemnity · 1 years
- Decline in Price $7,263 indemnity · 2 years
Barley 8 years filed
- 1.25Low end of the filed band
- 1.96Middle of the filed band
- 5.11High end of the filed band
- 2021Worst year filed (5.11)
- 8Years filed
- $361,557Premium filed
- $1,009,330Indemnity paid
- $1,888,914Liability insured
- 9,713Quantity planted
- 9,713Quantity lost
- 74Policies
- 74Policies with a loss
- 2.79Loss ratio, whole span
Causes that carried the indemnity in Oliver County
- Drought $888,350 indemnity · 7 years
- Hail $44,316 indemnity · 2 years
- Wind/Excess Wind $41,304 indemnity · 1 years
- Heat $17,746 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $12,572 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $2,862 indemnity · 1 years
Sunflowers 9 years filed
- 0.29Low end of the filed band
- 2.80Middle of the filed band
- 4.97High end of the filed band
- 2018Worst year filed (4.97)
- 9Years filed
- $286,812Premium filed
- $871,595Indemnity paid
- $1,886,633Liability insured
- 9,040Quantity planted
- 9,043Quantity lost
- 61Policies
- 61Policies with a loss
- 3.04Loss ratio, whole span
Causes that carried the indemnity in Oliver County
- Drought $382,875 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $227,104 indemnity · 4 years
- Wind/Excess Wind $126,250 indemnity · 1 years
- Other (Snow, Lightning, Etc.) $62,120 indemnity · 1 years
- Hail $43,705 indemnity · 4 years
- Insects $18,010 indemnity · 1 years
Apiculture 10 years filed
- 0.36Low end of the filed band
- 1.24Middle of the filed band
- 2.77High end of the filed band
- 2021Worst year filed (3.45)
- 10Years filed
- $347,018Premium filed
- $635,366Indemnity paid
- $1,874,638Liability insured
- 9,248Quantity planted
- 0Quantity lost
- 140Policies
- 140Policies with a loss
- 1.83Loss ratio, whole span
Causes that carried the indemnity in Oliver County
- ARPI/SCO/STAX Crops Only $635,366 indemnity · 10 years
Every county-crop the agency files in North Dakota → Buy the Oliver 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.