Crop-loss band · North Dakota
Ward County, North Dakota — crop-loss band
- 1.90Low end of the filed band
- 2.25Middle of the filed band
- 3.27High end of the filed band
- 2021Worst year filed (3.42)
- 10Years filed
Every year the Risk Management Agency has filed for Ward County is in the series below, from 2015 to 2023. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.90 at the low end to 3.27 at the high end, with 2.25 in the middle. The worst year filed is 2021, at 3.42. 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 | $4,715,684 | $9,590,239 | $28,085,983 | 816 | 816 | 2.03 |
| 2016 | $2,012,157 | $4,524,930 | $11,639,501 | 348 | 348 | 2.25 |
| 2017 | $8,251,468 | $15,662,017 | $52,790,269 | 1,243 | 1,243 | 1.90 |
| 2018 | $7,144,803 | $14,679,705 | $52,835,530 | 883 | 881 | 2.05 |
| 2019 | $8,363,000 | $27,378,304 | $50,859,509 | 1,375 | 1,372 | 3.27 |
| 2020 | $4,769,320 | $13,949,853 | $26,236,988 | 1,160 | 1,160 | 2.92 |
| 2021 | $25,130,325 | $85,825,586 | $161,084,498 | 2,064 | 2,059 | 3.42 |
| 2022 | $10,134,395 | $25,474,358 | $48,286,701 | 1,627 | 1,627 | 2.51 |
| 2023 | $15,018,299 | $32,860,177 | $68,609,027 | 1,838 | 1,838 | 2.19 |
| 2024 | $4,677,209 | $10,505,061 | $30,060,303 | 791 | 791 | 2.25 |
Commodities insured in Ward County
11 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
- 1.33Low end of the filed band
- 1.96Middle of the filed band
- 3.20High end of the filed band
- 2021Worst year filed (3.64)
- 10Years filed
- $40,226,031Premium filed
- $102,240,161Indemnity paid
- $202,462,012Liability insured
- 839,645Quantity planted
- 840,261Quantity lost
- 4,169Policies
- 4,164Policies with a loss
- 2.54Loss ratio, whole span
Causes that carried the indemnity in Ward County
- Drought $47,192,682 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $26,205,450 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $6,146,244 indemnity · 4 years
- Cold Wet Weather $5,514,070 indemnity · 6 years
- Hail $4,792,207 indemnity · 10 years
- Plant Disease $3,957,947 indemnity · 5 years
Soybeans 10 years filed
- 1.56Low end of the filed band
- 2.17Middle of the filed band
- 3.00High end of the filed band
- 2023Worst year filed (3.88)
- 10Years filed
- $23,841,420Premium filed
- $60,148,146Indemnity paid
- $167,945,976Liability insured
- 632,475Quantity planted
- 632,232Quantity lost
- 2,664Policies
- 2,662Policies with a loss
- 2.52Loss ratio, whole span
Causes that carried the indemnity in Ward County
- Drought $41,246,837 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $7,052,954 indemnity · 9 years
- Hail $3,028,454 indemnity · 9 years
- Cold Wet Weather $2,009,215 indemnity · 6 years
- Heat $1,351,921 indemnity · 7 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $1,335,790 indemnity · 4 years
Canola 10 years filed
- 1.31Low end of the filed band
- 2.43Middle of the filed band
- 3.35High end of the filed band
- 2020Worst year filed (3.55)
- 10Years filed
- $11,304,739Premium filed
- $31,292,111Indemnity paid
- $64,930,718Liability insured
- 233,990Quantity planted
- 232,613Quantity lost
- 1,788Policies
- 1,787Policies with a loss
- 2.77Loss ratio, whole span
Causes that carried the indemnity in Ward County
- Drought $14,046,145 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $8,079,655 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $2,759,713 indemnity · 2 years
- Hail $2,523,461 indemnity · 10 years
- Cold Wet Weather $1,523,728 indemnity · 6 years
- Heat $1,047,542 indemnity · 8 years
Corn 10 years filed
- 1.35Low end of the filed band
- 2.84Middle of the filed band
- 4.79High end of the filed band
- 2019Worst year filed (5.96)
- 10Years filed
- $5,622,029Premium filed
- $19,810,338Indemnity paid
- $39,676,579Liability insured
- 111,472Quantity planted
- 111,305Quantity lost
- 650Policies
- 650Policies with a loss
- 3.52Loss ratio, whole span
Causes that carried the indemnity in Ward County
- Drought $11,517,942 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $3,832,452 indemnity · 9 years
- Cold Wet Weather $1,586,792 indemnity · 7 years
- Hail $797,852 indemnity · 5 years
- Wind/Excess Wind $706,044 indemnity · 3 years
- Heat $675,823 indemnity · 5 years
Flax 10 years filed
- 1.20Low end of the filed band
- 2.69Middle of the filed band
- 3.76High end of the filed band
- 2019Worst year filed (5.00)
- 10Years filed
- $2,276,307Premium filed
- $7,396,615Indemnity paid
- $15,165,709Liability insured
- 90,567Quantity planted
- 90,767Quantity lost
- 750Policies
- 748Policies with a loss
- 3.25Loss ratio, whole span
Causes that carried the indemnity in Ward County
- Drought $2,958,829 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $2,052,456 indemnity · 9 years
- Cold Wet Weather $797,172 indemnity · 6 years
- Hail $450,217 indemnity · 6 years
- Heat $389,720 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $230,660 indemnity · 3 years
Dry Peas 10 years filed
- 2.53Low end of the filed band
- 3.15Middle of the filed band
- 3.80High end of the filed band
- 2015Worst year filed (4.22)
- 10Years filed
- $2,194,260Premium filed
- $7,166,008Indemnity paid
- $14,928,265Liability insured
- 66,931Quantity planted
- 67,338Quantity lost
- 456Policies
- 456Policies with a loss
- 3.27Loss ratio, whole span
Causes that carried the indemnity in Ward County
- Drought $3,163,539 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $2,102,994 indemnity · 9 years
- Hail $1,157,833 indemnity · 6 years
- Plant Disease $220,772 indemnity · 6 years
- Cold Wet Weather $199,147 indemnity · 4 years
- Heat $143,126 indemnity · 5 years
Sunflowers 10 years filed
- 1.79Low end of the filed band
- 2.81Middle of the filed band
- 3.42High end of the filed band
- 2024Worst year filed (3.91)
- 10Years filed
- $1,699,302Premium filed
- $4,955,812Indemnity paid
- $9,159,291Liability insured
- 39,673Quantity planted
- 39,811Quantity lost
- 294Policies
- 294Policies with a loss
- 2.92Loss ratio, whole span
Causes that carried the indemnity in Ward County
- Excess Moisture/Precipitation/Rain $2,585,351 indemnity · 9 years
- Drought $661,778 indemnity · 7 years
- Wildlife $591,743 indemnity · 5 years
- Wind/Excess Wind $384,722 indemnity · 2 years
- Cold Wet Weather $283,148 indemnity · 3 years
- Other (Snow, Lightning, Etc.) $149,203 indemnity · 4 years
Barley 10 years filed
- 0.54Low end of the filed band
- 2.44Middle of the filed band
- 3.40High end of the filed band
- 2019Worst year filed (3.66)
- 10Years filed
- $1,023,543Premium filed
- $2,898,634Indemnity paid
- $5,927,616Liability insured
- 26,093Quantity planted
- 26,420Quantity lost
- 282Policies
- 282Policies with a loss
- 2.83Loss ratio, whole span
Causes that carried the indemnity in Ward County
- Drought $1,313,336 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $764,334 indemnity · 9 years
- Hail $355,815 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $183,510 indemnity · 3 years
- Plant Disease $107,796 indemnity · 2 years
- Cold Wet Weather $46,891 indemnity · 3 years
Apiculture 6 years filed
- 1.21Low end of the filed band
- 1.98Middle of the filed band
- 3.07High end of the filed band
- 2023Worst year filed (3.07)
- 6Years filed
- $911,127Premium filed
- $2,033,861Indemnity paid
- $4,327,075Liability insured
- 21,032Quantity planted
- 0Quantity lost
- 144Policies
- 144Policies with a loss
- 2.23Loss ratio, whole span
Causes that carried the indemnity in Ward County
- ARPI/SCO/STAX/MP Crops Only $2,033,861 indemnity · 6 years
Pasture,Rangeland,Forage 10 years filed
- 0.45Low end of the filed band
- 1.74Middle of the filed band
- 2.66High end of the filed band
- 2017Worst year filed (3.10)
- 10Years filed
- $854,463Premium filed
- $1,778,779Indemnity paid
- $4,758,394Liability insured
- 178,597Quantity planted
- 0Quantity lost
- 915Policies
- 915Policies with a loss
- 2.08Loss ratio, whole span
Causes that carried the indemnity in Ward County
- ARPI/SCO/STAX Crops Only $1,778,779 indemnity · 10 years
Mustard 8 years filed
- 2.14Low end of the filed band
- 2.56Middle of the filed band
- 3.56High end of the filed band
- 2022Worst year filed (3.56)
- 8Years filed
- $263,439Premium filed
- $729,765Indemnity paid
- $1,206,674Liability insured
- 405,352Quantity planted
- 5,377Quantity lost
- 33Policies
- 33Policies with a loss
- 2.77Loss ratio, whole span
Causes that carried the indemnity in Ward County
- Excess Moisture/Precipitation/Rain $206,989 indemnity · 5 years
- Drought $172,017 indemnity · 3 years
- Cold Wet Weather $137,348 indemnity · 2 years
- Hail $136,464 indemnity · 4 years
- Heat $65,516 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $10,470 indemnity · 2 years
Every county-crop the agency files in North Dakota → Buy the Ward 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.