Crop-loss band · North Dakota
Pembina County, North Dakota — crop-loss band
- 1.61Low end of the filed band
- 2.10Middle of the filed band
- 2.53High end of the filed band
- 2016Worst year filed (2.89)
- 10Years filed
Every year the Risk Management Agency has filed for Pembina 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 1.61 at the low end to 2.53 at the high end, with 2.10 in the middle. The worst year filed is 2016, at 2.89. 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 | $5,010,952 | $8,723,343 | $25,215,907 | 548 | 547 | 1.74 |
| 2016 | $10,937,123 | $31,602,641 | $61,325,351 | 992 | 992 | 2.89 |
| 2017 | $6,339,413 | $10,235,661 | $30,473,704 | 627 | 624 | 1.61 |
| 2018 | $5,433,755 | $9,250,857 | $31,366,426 | 448 | 448 | 1.70 |
| 2019 | $10,735,602 | $27,173,742 | $63,051,086 | 1,309 | 1,309 | 2.53 |
| 2020 | $5,204,584 | $10,924,504 | $28,488,743 | 493 | 493 | 2.10 |
| 2021 | $14,428,532 | $36,529,158 | $88,010,129 | 857 | 857 | 2.53 |
| 2022 | $6,955,516 | $17,237,725 | $33,441,822 | 479 | 479 | 2.48 |
| 2023 | $6,709,811 | $14,121,121 | $39,716,835 | 436 | 436 | 2.10 |
| 2024 | $6,264,880 | $10,180,943 | $32,401,125 | 446 | 446 | 1.63 |
Commodities insured in Pembina County
9 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
- 1.63Low end of the filed band
- 2.32Middle of the filed band
- 2.67High end of the filed band
- 2021Worst year filed (3.35)
- 10Years filed
- $15,329,034Premium filed
- $39,380,536Indemnity paid
- $98,683,381Liability insured
- 335,825Quantity planted
- 331,886Quantity lost
- 1,448Policies
- 1,445Policies with a loss
- 2.57Loss ratio, whole span
Causes that carried the indemnity in Pembina County
- Drought $16,701,670 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $16,011,434 indemnity · 9 years
- Hail $2,737,487 indemnity · 8 years
- ARPI/SCO/STAX/MP Crops Only $1,424,083 indemnity · 6 years
- Heat $447,228 indemnity · 8 years
- Flood $394,050 indemnity · 4 years
Dry Beans 10 years filed
- 1.05Low end of the filed band
- 1.79Middle of the filed band
- 2.50High end of the filed band
- 2016Worst year filed (3.56)
- 10Years filed
- $17,203,999Premium filed
- $35,540,004Indemnity paid
- $75,181,250Liability insured
- 200,494Quantity planted
- 202,941Quantity lost
- 1,396Policies
- 1,396Policies with a loss
- 2.07Loss ratio, whole span
Causes that carried the indemnity in Pembina County
- Drought $13,029,365 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $12,310,495 indemnity · 10 years
- Hail $4,271,118 indemnity · 6 years
- Other (Snow, Lightning, Etc.) $1,939,532 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,280,435 indemnity · 2 years
- Decline in Price $1,124,473 indemnity · 8 years
Soybeans 10 years filed
- 1.34Low end of the filed band
- 2.03Middle of the filed band
- 2.23High end of the filed band
- 2022Worst year filed (2.65)
- 10Years filed
- $16,902,296Premium filed
- $32,111,051Indemnity paid
- $90,952,459Liability insured
- 342,716Quantity planted
- 347,682Quantity lost
- 1,543Policies
- 1,543Policies with a loss
- 1.90Loss ratio, whole span
Causes that carried the indemnity in Pembina County
- Drought $14,071,061 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $9,643,623 indemnity · 10 years
- Hail $3,707,374 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $3,078,882 indemnity · 4 years
- Flood $382,903 indemnity · 6 years
- Cold Wet Weather $353,978 indemnity · 5 years
Potatoes 10 years filed
- 1.63Low end of the filed band
- 1.91Middle of the filed band
- 2.54High end of the filed band
- 2016Worst year filed (2.60)
- 10Years filed
- $11,974,144Premium filed
- $26,995,243Indemnity paid
- $57,396,220Liability insured
- 45,552Quantity planted
- 45,552Quantity lost
- 363Policies
- 363Policies with a loss
- 2.25Loss ratio, whole span
Causes that carried the indemnity in Pembina County
- Excess Moisture/Precipitation/Rain $17,416,226 indemnity · 9 years
- Drought $5,127,182 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $1,276,728 indemnity · 2 years
- Heat $976,724 indemnity · 6 years
- Hail $801,778 indemnity · 2 years
- Plant Disease $522,415 indemnity · 4 years
Sugar Beets 10 years filed
- 2.11Low end of the filed band
- 3.12Middle of the filed band
- 6.66High end of the filed band
- 2019Worst year filed (6.90)
- 10Years filed
- $4,337,721Premium filed
- $18,432,534Indemnity paid
- $60,458,019Liability insured
- 56,923Quantity planted
- 50,387Quantity lost
- 882Policies
- 881Policies with a loss
- 4.25Loss ratio, whole span
Causes that carried the indemnity in Pembina County
- Excess Moisture/Precipitation/Rain $8,567,897 indemnity · 8 years
- Drought $5,677,225 indemnity · 7 years
- Other (Snow, Lightning, Etc.) $1,173,967 indemnity · 3 years
- Cold Wet Weather $904,485 indemnity · 4 years
- Hail $663,136 indemnity · 4 years
- Wind/Excess Wind $632,577 indemnity · 8 years
Corn 10 years filed
- 1.25Low end of the filed band
- 1.66Middle of the filed band
- 2.66High end of the filed band
- 2020Worst year filed (2.72)
- 10Years filed
- $8,939,167Premium filed
- $16,975,297Indemnity paid
- $35,543,352Liability insured
- 91,253Quantity planted
- 90,087Quantity lost
- 550Policies
- 550Policies with a loss
- 1.90Loss ratio, whole span
Causes that carried the indemnity in Pembina County
- Excess Moisture/Precipitation/Rain $9,868,661 indemnity · 9 years
- Drought $3,867,092 indemnity · 6 years
- Hail $1,041,050 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $881,793 indemnity · 2 years
- Flood $397,592 indemnity · 2 years
- Wind/Excess Wind $389,393 indemnity · 5 years
Canola 10 years filed
- 1.00Low end of the filed band
- 1.76Middle of the filed band
- 2.17High end of the filed band
- 2019Worst year filed (3.27)
- 10Years filed
- $2,192,035Premium filed
- $4,070,609Indemnity paid
- $10,234,012Liability insured
- 35,594Quantity planted
- 32,790Quantity lost
- 235Policies
- 235Policies with a loss
- 1.86Loss ratio, whole span
Causes that carried the indemnity in Pembina County
- Drought $1,539,214 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $1,500,282 indemnity · 9 years
- Other (Snow, Lightning, Etc.) $353,413 indemnity · 3 years
- Hail $290,669 indemnity · 5 years
- Wind/Excess Wind $189,649 indemnity · 5 years
- Flood $88,347 indemnity · 1 years
Sunflowers 10 years filed
- 1.52Low end of the filed band
- 1.79Middle of the filed band
- 2.26High end of the filed band
- 2016Worst year filed (3.06)
- 10Years filed
- $722,527Premium filed
- $1,613,706Indemnity paid
- $3,059,393Liability insured
- 13,849Quantity planted
- 13,961Quantity lost
- 143Policies
- 143Policies with a loss
- 2.23Loss ratio, whole span
Causes that carried the indemnity in Pembina County
- Excess Moisture/Precipitation/Rain $1,030,805 indemnity · 6 years
- Drought $187,199 indemnity · 6 years
- Hail $123,344 indemnity · 4 years
- Wind/Excess Wind $77,979 indemnity · 3 years
- XX $68,098 indemnity · 1 years
- Insects $34,776 indemnity · 2 years
Barley 9 years filed
- 1.40Low end of the filed band
- 2.32Middle of the filed band
- 3.77High end of the filed band
- 2023Worst year filed (3.77)
- 9Years filed
- $419,245Premium filed
- $860,715Indemnity paid
- $1,983,042Liability insured
- 7,602Quantity planted
- 7,317Quantity lost
- 75Policies
- 75Policies with a loss
- 2.05Loss ratio, whole span
Causes that carried the indemnity in Pembina County
- Excess Moisture/Precipitation/Rain $515,852 indemnity · 6 years
- Drought $289,899 indemnity · 3 years
- Hail $25,840 indemnity · 2 years
- Heat $17,275 indemnity · 2 years
- XX $7,759 indemnity · 1 years
- Frost $2,390 indemnity · 1 years
Every county-crop the agency files in North Dakota → Buy the Pembina 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.