Crop-loss band · North Dakota
Richland County, North Dakota — crop-loss band
- 1.33Low end of the filed band
- 1.72Middle of the filed band
- 3.56High end of the filed band
- 2020Worst year filed (3.69)
- 10Years filed
Every year the Risk Management Agency has filed for Richland 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 1.33 at the low end to 3.56 at the high end, with 1.72 in the middle. The worst year filed is 2020, at 3.69. 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 | $5,318,832 | $7,816,640 | $30,250,381 | 692 | 691 | 1.47 |
| 2016 | $749,198 | $1,088,588 | $5,313,844 | 98 | 98 | 1.45 |
| 2017 | $1,581,615 | $2,556,252 | $10,306,253 | 204 | 204 | 1.62 |
| 2018 | $1,250,194 | $2,155,478 | $9,172,486 | 279 | 278 | 1.72 |
| 2019 | $13,235,798 | $24,345,678 | $96,168,044 | 1,680 | 1,676 | 1.84 |
| 2020 | $4,576,084 | $16,875,995 | $27,414,864 | 879 | 878 | 3.69 |
| 2021 | $4,679,753 | $6,217,131 | $41,530,353 | 665 | 665 | 1.33 |
| 2022 | $9,254,117 | $32,926,422 | $73,522,050 | 1,082 | 1,082 | 3.56 |
| 2023 | $8,210,023 | $16,794,497 | $91,411,783 | 834 | 834 | 2.05 |
| 2024 | $13,748,578 | $38,942,680 | $146,658,885 | 1,703 | 1,703 | 2.83 |
Commodities insured in Richland County
6 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
- 0.59Low end of the filed band
- 1.88Middle of the filed band
- 4.26High end of the filed band
- 2020Worst year filed (4.28)
- 10Years filed
- $36,104,313Premium filed
- $93,761,285Indemnity paid
- $286,190,163Liability insured
- 547,007Quantity planted
- 446,400Quantity lost
- 3,274Policies
- 3,271Policies with a loss
- 2.60Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Excess Moisture/Precipitation/Rain $68,666,717 indemnity · 10 years
- Cold Wet Weather $10,103,341 indemnity · 8 years
- Drought $9,789,984 indemnity · 8 years
- Decline in Price $2,039,773 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $966,216 indemnity · 3 years
- Hail $856,977 indemnity · 6 years
Soybeans 10 years filed
- 1.27Low end of the filed band
- 1.77Middle of the filed band
- 2.47High end of the filed band
- 2020Worst year filed (2.70)
- 10Years filed
- $18,950,481Premium filed
- $38,738,025Indemnity paid
- $175,300,335Liability insured
- 497,544Quantity planted
- 448,327Quantity lost
- 3,581Policies
- 3,578Policies with a loss
- 2.04Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Excess Moisture/Precipitation/Rain $21,201,019 indemnity · 10 years
- Drought $9,753,513 indemnity · 10 years
- Hail $1,982,562 indemnity · 9 years
- Decline in Price $1,870,192 indemnity · 10 years
- Cold Wet Weather $1,553,904 indemnity · 9 years
- Frost $443,212 indemnity · 3 years
Sugar Beets 10 years filed
- 0.84Low end of the filed band
- 1.52Middle of the filed band
- 3.44High end of the filed band
- 2019Worst year filed (3.75)
- 10Years filed
- $3,472,039Premium filed
- $8,950,465Indemnity paid
- $37,147,319Liability insured
- 34,844Quantity planted
- 28,051Quantity lost
- 504Policies
- 503Policies with a loss
- 2.58Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Excess Moisture/Precipitation/Rain $4,910,911 indemnity · 9 years
- Drought $1,522,159 indemnity · 7 years
- Other (Snow, Lightning, Etc.) $990,153 indemnity · 2 years
- Freeze $551,189 indemnity · 7 years
- Cold Wet Weather $267,800 indemnity · 5 years
- Plant Disease $201,143 indemnity · 4 years
Wheat 10 years filed
- 0.62Low end of the filed band
- 1.56Middle of the filed band
- 3.36High end of the filed band
- 2024Worst year filed (3.91)
- 10Years filed
- $3,174,066Premium filed
- $6,215,379Indemnity paid
- $27,473,146Liability insured
- 93,858Quantity planted
- 79,372Quantity lost
- 607Policies
- 607Policies with a loss
- 1.96Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Excess Moisture/Precipitation/Rain $3,172,072 indemnity · 10 years
- Drought $990,629 indemnity · 8 years
- Mycotoxin $837,004 indemnity · 2 years
- Decline in Price $424,435 indemnity · 9 years
- Cold Wet Weather $259,410 indemnity · 8 years
- Hail $156,379 indemnity · 7 years
Sunflowers 9 years filed
- 0.89Low end of the filed band
- 2.38Middle of the filed band
- 5.10High end of the filed band
- 2016Worst year filed (5.10)
- 9Years filed
- $463,151Premium filed
- $1,206,232Indemnity paid
- $2,460,095Liability insured
- 10,568Quantity planted
- 10,415Quantity lost
- 116Policies
- 116Policies with a loss
- 2.60Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Excess Moisture/Precipitation/Rain $614,553 indemnity · 8 years
- Hail $344,321 indemnity · 2 years
- Drought $102,633 indemnity · 5 years
- Cold Wet Weather $58,954 indemnity · 2 years
- Wind/Excess Wind $36,251 indemnity · 2 years
- Other (Snow, Lightning, Etc.) $29,754 indemnity · 1 years
Dry Beans 8 years filed
- 0.04Low end of the filed band
- 2.72Middle of the filed band
- 6.00High end of the filed band
- 2016Worst year filed (6.00)
- 8Years filed
- $440,142Premium filed
- $847,975Indemnity paid
- $3,177,885Liability insured
- 6,411Quantity planted
- 5,183Quantity lost
- 34Policies
- 34Policies with a loss
- 1.93Loss ratio, whole span
Causes that carried the indemnity in Richland County
- Excess Moisture/Precipitation/Rain $758,138 indemnity · 7 years
- Decline in Price $48,602 indemnity · 1 years
- Cold Wet Weather $16,465 indemnity · 2 years
- Wind/Excess Wind $12,321 indemnity · 1 years
- Freeze $5,814 indemnity · 1 years
- Frost $3,657 indemnity · 1 years
Every county-crop the agency files in North Dakota → Buy the Richland 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.