Crop-loss band · North Dakota
Ramsey County, North Dakota — crop-loss band
- 1.46Low end of the filed band
- 1.89Middle of the filed band
- 2.41High end of the filed band
- 2022Worst year filed (2.50)
- 10Years filed
Every year the Risk Management Agency has filed for Ramsey 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 1.46 at the low end to 2.41 at the high end, with 1.89 in the middle. The worst year filed is 2022, at 2.50. 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 | $8,457,198 | $12,380,020 | $32,391,388 | 951 | 949 | 1.46 |
| 2016 | $5,728,260 | $12,617,199 | $21,977,265 | 672 | 672 | 2.20 |
| 2017 | $7,324,951 | $11,079,379 | $20,788,814 | 916 | 916 | 1.51 |
| 2018 | $5,993,602 | $9,553,672 | $24,895,885 | 642 | 642 | 1.59 |
| 2019 | $10,460,647 | $22,516,542 | $49,711,355 | 1,194 | 1,194 | 2.15 |
| 2020 | $9,135,520 | $22,049,581 | $30,585,135 | 1,125 | 1,125 | 2.41 |
| 2021 | $14,085,427 | $27,362,352 | $68,940,444 | 920 | 920 | 1.94 |
| 2022 | $13,318,254 | $33,346,020 | $39,720,618 | 1,325 | 1,325 | 2.50 |
| 2023 | $24,358,373 | $40,795,686 | $105,256,919 | 1,437 | 1,437 | 1.67 |
| 2024 | $15,728,112 | $29,744,317 | $58,310,518 | 1,373 | 1,373 | 1.89 |
Commodities insured in Ramsey 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.
Corn 10 years filed
- 1.22Low end of the filed band
- 1.75Middle of the filed band
- 2.46High end of the filed band
- 2020Worst year filed (2.57)
- 10Years filed
- $30,851,983Premium filed
- $57,840,848Indemnity paid
- $103,292,903Liability insured
- 262,138Quantity planted
- 262,297Quantity lost
- 1,421Policies
- 1,421Policies with a loss
- 1.87Loss ratio, whole span
Causes that carried the indemnity in Ramsey County
- Excess Moisture/Precipitation/Rain $35,320,015 indemnity · 10 years
- Drought $11,715,356 indemnity · 7 years
- Cold Wet Weather $4,932,148 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $3,893,605 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $577,960 indemnity · 1 years
- Decline in Price $291,952 indemnity · 5 years
Wheat 10 years filed
- 1.81Low end of the filed band
- 2.41Middle of the filed band
- 2.66High end of the filed band
- 2022Worst year filed (2.81)
- 10Years filed
- $22,539,185Premium filed
- $52,219,434Indemnity paid
- $99,898,716Liability insured
- 374,085Quantity planted
- 375,642Quantity lost
- 2,632Policies
- 2,632Policies with a loss
- 2.32Loss ratio, whole span
Causes that carried the indemnity in Ramsey County
- Excess Moisture/Precipitation/Rain $22,623,714 indemnity · 10 years
- Drought $17,143,821 indemnity · 8 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $6,294,471 indemnity · 3 years
- Cold Wet Weather $1,902,169 indemnity · 8 years
- Hail $1,038,463 indemnity · 7 years
- Other (Snow, Lightning, Etc.) $1,009,520 indemnity · 3 years
Soybeans 10 years filed
- 1.01Low end of the filed band
- 1.39Middle of the filed band
- 2.68High end of the filed band
- 2022Worst year filed (3.11)
- 10Years filed
- $27,790,442Premium filed
- $45,163,506Indemnity paid
- $113,000,895Liability insured
- 439,307Quantity planted
- 434,590Quantity lost
- 2,571Policies
- 2,571Policies with a loss
- 1.63Loss ratio, whole span
Causes that carried the indemnity in Ramsey County
- Excess Moisture/Precipitation/Rain $19,151,970 indemnity · 10 years
- Drought $16,806,641 indemnity · 8 years
- Cold Wet Weather $1,780,593 indemnity · 8 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,630,342 indemnity · 2 years
- Other (Snow, Lightning, Etc.) $1,532,981 indemnity · 3 years
- Hail $1,503,000 indemnity · 7 years
Canola 10 years filed
- 1.07Low end of the filed band
- 1.81Middle of the filed band
- 2.24High end of the filed band
- 2019Worst year filed (2.40)
- 10Years filed
- $16,021,037Premium filed
- $30,041,033Indemnity paid
- $65,241,693Liability insured
- 229,767Quantity planted
- 227,671Quantity lost
- 1,915Policies
- 1,913Policies with a loss
- 1.88Loss ratio, whole span
Causes that carried the indemnity in Ramsey County
- Excess Moisture/Precipitation/Rain $15,103,174 indemnity · 10 years
- Drought $7,234,961 indemnity · 8 years
- ARPI/SCO/STAX/MP Crops Only $2,666,983 indemnity · 4 years
- Cold Wet Weather $1,349,203 indemnity · 8 years
- Wind/Excess Wind $1,213,246 indemnity · 9 years
- Other (Snow, Lightning, Etc.) $561,545 indemnity · 4 years
Dry Beans 10 years filed
- 1.17Low end of the filed band
- 1.67Middle of the filed band
- 2.42High end of the filed band
- 2016Worst year filed (3.12)
- 10Years filed
- $12,734,731Premium filed
- $22,669,158Indemnity paid
- $47,152,006Liability insured
- 122,377Quantity planted
- 124,204Quantity lost
- 931Policies
- 931Policies with a loss
- 1.78Loss ratio, whole span
Causes that carried the indemnity in Ramsey County
- Excess Moisture/Precipitation/Rain $11,613,336 indemnity · 10 years
- Drought $4,824,474 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $3,232,888 indemnity · 3 years
- Decline in Price $745,204 indemnity · 6 years
- Hail $489,805 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $450,206 indemnity · 3 years
Barley 10 years filed
- 1.90Low end of the filed band
- 3.03Middle of the filed band
- 3.76High end of the filed band
- 2019Worst year filed (3.86)
- 10Years filed
- $3,625,522Premium filed
- $11,140,597Indemnity paid
- $20,324,437Liability insured
- 83,299Quantity planted
- 83,205Quantity lost
- 872Policies
- 872Policies with a loss
- 3.07Loss ratio, whole span
Causes that carried the indemnity in Ramsey County
- Excess Moisture/Precipitation/Rain $7,364,554 indemnity · 10 years
- Drought $1,382,536 indemnity · 9 years
- Cold Wet Weather $605,161 indemnity · 8 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $580,853 indemnity · 3 years
- Hail $316,432 indemnity · 6 years
- Heat $170,955 indemnity · 4 years
Sunflowers 10 years filed
- 0.67Low end of the filed band
- 1.53Middle of the filed band
- 3.14High end of the filed band
- 2016Worst year filed (3.80)
- 10Years filed
- $721,459Premium filed
- $1,520,345Indemnity paid
- $1,993,919Liability insured
- 10,265Quantity planted
- 10,139Quantity lost
- 149Policies
- 149Policies with a loss
- 2.11Loss ratio, whole span
Causes that carried the indemnity in Ramsey County
- Excess Moisture/Precipitation/Rain $908,888 indemnity · 9 years
- Wildlife $191,296 indemnity · 6 years
- Hail $106,254 indemnity · 1 years
- Cold Wet Weather $103,424 indemnity · 4 years
- Drought $98,768 indemnity · 3 years
- Wind/Excess Wind $58,187 indemnity · 2 years
Dry Peas 9 years filed
- 1.08Low end of the filed band
- 3.46Middle of the filed band
- 4.10High end of the filed band
- 2016Worst year filed (4.10)
- 9Years filed
- $305,985Premium filed
- $849,847Indemnity paid
- $1,673,772Liability insured
- 7,516Quantity planted
- 7,516Quantity lost
- 64Policies
- 64Policies with a loss
- 2.78Loss ratio, whole span
Causes that carried the indemnity in Ramsey County
- Excess Moisture/Precipitation/Rain $461,603 indemnity · 7 years
- Drought $256,576 indemnity · 4 years
- Hail $67,782 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $20,271 indemnity · 1 years
- Other (Snow, Lightning, Etc.) $16,539 indemnity · 1 years
- Decline in Price $13,709 indemnity · 3 years
Every county-crop the agency files in North Dakota → Buy the Ramsey 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.