Crop-loss band · North Dakota
Towner County, North Dakota — crop-loss band
- 1.37Low end of the filed band
- 2.18Middle of the filed band
- 2.98High end of the filed band
- 2020Worst year filed (3.18)
- 10Years filed
Every year the Risk Management Agency has filed for Towner 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 1.37 at the low end to 2.98 at the high end, with 2.18 in the middle. The worst year filed is 2020, at 3.18. 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 | $4,600,963 | $6,309,815 | $24,228,911 | 590 | 584 | 1.37 |
| 2016 | $4,231,463 | $9,223,550 | $19,517,667 | 504 | 504 | 2.18 |
| 2017 | $3,333,455 | $7,459,551 | $12,580,777 | 653 | 653 | 2.24 |
| 2018 | $3,749,393 | $7,939,323 | $19,179,109 | 598 | 598 | 2.12 |
| 2019 | $6,117,006 | $18,234,422 | $37,077,952 | 1,012 | 1,010 | 2.98 |
| 2020 | $5,726,614 | $18,235,276 | $25,498,999 | 1,090 | 1,090 | 3.18 |
| 2021 | $9,341,413 | $23,828,965 | $53,747,492 | 830 | 830 | 2.55 |
| 2022 | $11,844,542 | $34,441,946 | $46,119,748 | 1,242 | 1,242 | 2.91 |
| 2023 | $16,514,336 | $35,748,750 | $94,159,193 | 1,303 | 1,303 | 2.16 |
| 2024 | $7,111,306 | $13,048,544 | $29,640,638 | 876 | 876 | 1.83 |
Commodities insured in Towner County
10 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
- 1.74Low end of the filed band
- 2.49Middle of the filed band
- 3.55High end of the filed band
- 2019Worst year filed (3.73)
- 10Years filed
- $22,568,530Premium filed
- $61,008,360Indemnity paid
- $116,633,852Liability insured
- 426,110Quantity planted
- 425,742Quantity lost
- 2,607Policies
- 2,607Policies with a loss
- 2.70Loss ratio, whole span
Causes that carried the indemnity in Towner County
- Excess Moisture/Precipitation/Rain $31,121,085 indemnity · 10 years
- Drought $15,552,077 indemnity · 10 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $5,067,786 indemnity · 3 years
- Other (Snow, Lightning, Etc.) $3,361,043 indemnity · 4 years
- Cold Wet Weather $1,794,585 indemnity · 8 years
- Hail $1,258,793 indemnity · 9 years
Soybeans 10 years filed
- 1.71Low end of the filed band
- 2.19Middle of the filed band
- 3.58High end of the filed band
- 2020Worst year filed (3.65)
- 10Years filed
- $14,451,451Premium filed
- $36,528,464Indemnity paid
- $89,931,479Liability insured
- 328,568Quantity planted
- 322,506Quantity lost
- 2,018Policies
- 2,014Policies with a loss
- 2.53Loss ratio, whole span
Causes that carried the indemnity in Towner County
- Drought $14,242,557 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $14,127,833 indemnity · 10 years
- Hail $2,549,940 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $1,395,808 indemnity · 1 years
- Cold Wet Weather $1,214,628 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $1,014,212 indemnity · 5 years
Canola 10 years filed
- 0.92Low end of the filed band
- 2.01Middle of the filed band
- 2.47High end of the filed band
- 2020Worst year filed (2.49)
- 10Years filed
- $16,777,579Premium filed
- $32,897,324Indemnity paid
- $75,426,828Liability insured
- 263,082Quantity planted
- 258,283Quantity lost
- 2,228Policies
- 2,224Policies with a loss
- 1.96Loss ratio, whole span
Causes that carried the indemnity in Towner County
- Excess Moisture/Precipitation/Rain $16,437,389 indemnity · 9 years
- Drought $5,469,497 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $2,557,126 indemnity · 7 years
- Wind/Excess Wind $1,980,161 indemnity · 9 years
- Freeze $1,223,393 indemnity · 3 years
- Cold Wet Weather $1,125,541 indemnity · 7 years
Corn 10 years filed
- 1.18Low end of the filed band
- 2.40Middle of the filed band
- 3.77High end of the filed band
- 2021Worst year filed (4.52)
- 10Years filed
- $5,593,525Premium filed
- $15,894,686Indemnity paid
- $25,348,987Liability insured
- 67,195Quantity planted
- 67,194Quantity lost
- 495Policies
- 495Policies with a loss
- 2.84Loss ratio, whole span
Causes that carried the indemnity in Towner County
- Excess Moisture/Precipitation/Rain $10,857,008 indemnity · 9 years
- Drought $2,064,274 indemnity · 6 years
- Cold Wet Weather $1,646,064 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $436,857 indemnity · 4 years
- Heat $396,171 indemnity · 3 years
- Hail $215,110 indemnity · 2 years
Dry Beans 10 years filed
- 1.00Low end of the filed band
- 1.87Middle of the filed band
- 2.55High end of the filed band
- 2016Worst year filed (2.78)
- 10Years filed
- $7,079,963Premium filed
- $13,217,081Indemnity paid
- $28,568,450Liability insured
- 69,773Quantity planted
- 70,968Quantity lost
- 465Policies
- 465Policies with a loss
- 1.87Loss ratio, whole span
Causes that carried the indemnity in Towner County
- Excess Moisture/Precipitation/Rain $4,489,966 indemnity · 9 years
- Drought $4,444,254 indemnity · 7 years
- Frost $1,020,029 indemnity · 4 years
- Hail $956,434 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $642,356 indemnity · 2 years
- Heat $355,316 indemnity · 3 years
Barley 10 years filed
- 1.64Low end of the filed band
- 2.60Middle of the filed band
- 3.02High end of the filed band
- 2019Worst year filed (3.26)
- 10Years filed
- $2,116,701Premium filed
- $5,432,561Indemnity paid
- $10,126,344Liability insured
- 47,297Quantity planted
- 47,633Quantity lost
- 524Policies
- 524Policies with a loss
- 2.57Loss ratio, whole span
Causes that carried the indemnity in Towner County
- Excess Moisture/Precipitation/Rain $2,886,360 indemnity · 10 years
- Drought $1,812,087 indemnity · 7 years
- Hail $224,612 indemnity · 7 years
- Heat $113,944 indemnity · 4 years
- Wind/Excess Wind $111,969 indemnity · 5 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $101,936 indemnity · 3 years
Sunflowers 10 years filed
- 1.22Low end of the filed band
- 1.85Middle of the filed band
- 2.60High end of the filed band
- 2021Worst year filed (3.70)
- 10Years filed
- $2,291,574Premium filed
- $5,193,988Indemnity paid
- $6,144,023Liability insured
- 17,158Quantity planted
- 17,163Quantity lost
- 122Policies
- 122Policies with a loss
- 2.27Loss ratio, whole span
Causes that carried the indemnity in Towner County
- Excess Moisture/Precipitation/Rain $1,840,520 indemnity · 9 years
- Cold Wet Weather $1,249,424 indemnity · 2 years
- Drought $1,156,635 indemnity · 4 years
- Heat $760,750 indemnity · 1 years
- Hail $77,972 indemnity · 3 years
- Wind/Excess Wind $52,995 indemnity · 3 years
All Other Crops 10 years filed
- 0.61Low end of the filed band
- 1.92Middle of the filed band
- 3.22High end of the filed band
- 2021Worst year filed (3.89)
- 10Years filed
- $884,235Premium filed
- $2,141,661Indemnity paid
- $5,737,443Liability insured
- 4,805Quantity planted
- 3,683Quantity lost
- 30Policies
- 30Policies with a loss
- 2.42Loss ratio, whole span
Causes that carried the indemnity in Towner County
- Excess Moisture/Precipitation/Rain $992,851 indemnity · 6 years
- Drought $839,151 indemnity · 3 years
- Freeze $197,220 indemnity · 1 years
- ARPI/SCO/STAX/MP Crops Only $53,690 indemnity · 4 years
- Other (Snow, Lightning, Etc.) $45,421 indemnity · 1 years
- Cold Wet Weather $13,329 indemnity · 1 years
Apiculture 7 years filed
- 0.99Low end of the filed band
- 2.31Middle of the filed band
- 3.13High end of the filed band
- 2023Worst year filed (3.13)
- 7Years filed
- $534,971Premium filed
- $1,322,771Indemnity paid
- $2,387,614Liability insured
- 11,540Quantity planted
- 0Quantity lost
- 107Policies
- 107Policies with a loss
- 2.47Loss ratio, whole span
Causes that carried the indemnity in Towner County
- ARPI/SCO/STAX/MP Crops Only $1,322,771 indemnity · 7 years
Flax 8 years filed
- 1.31Low end of the filed band
- 2.43Middle of the filed band
- 4.27High end of the filed band
- 2016Worst year filed (4.27)
- 8Years filed
- $271,962Premium filed
- $833,246Indemnity paid
- $1,445,465Liability insured
- 7,966Quantity planted
- 8,262Quantity lost
- 102Policies
- 102Policies with a loss
- 3.06Loss ratio, whole span
Causes that carried the indemnity in Towner County
- Excess Moisture/Precipitation/Rain $492,290 indemnity · 7 years
- Other (Snow, Lightning, Etc.) $144,189 indemnity · 1 years
- Drought $102,328 indemnity · 5 years
- Heat $28,302 indemnity · 3 years
- Frost $17,936 indemnity · 1 years
- Freeze $17,924 indemnity · 1 years
Every county-crop the agency files in North Dakota → Buy the Towner 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.