Crop-loss band · North Dakota
Wells County, North Dakota — crop-loss band
- 1.52Low end of the filed band
- 2.49Middle of the filed band
- 3.17High end of the filed band
- 2020Worst year filed (3.78)
- 10Years filed
Every year the Risk Management Agency has filed for Wells 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 1.52 at the low end to 3.17 at the high end, with 2.49 in the middle. The worst year filed is 2020, at 3.78. 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 | $6,666,606 | $10,153,102 | $45,324,531 | 522 | 522 | 1.52 |
| 2016 | $1,496,441 | $2,887,398 | $8,821,161 | 156 | 156 | 1.93 |
| 2017 | $1,873,782 | $4,097,412 | $10,442,451 | 269 | 269 | 2.19 |
| 2018 | $2,507,462 | $5,370,642 | $18,967,930 | 356 | 355 | 2.14 |
| 2019 | $4,879,067 | $14,307,078 | $35,247,785 | 746 | 745 | 2.93 |
| 2020 | $9,120,557 | $34,465,210 | $48,676,358 | 1,134 | 1,134 | 3.78 |
| 2021 | $23,494,312 | $74,431,313 | $165,417,819 | 1,210 | 1,208 | 3.17 |
| 2022 | $8,642,617 | $27,283,639 | $39,594,127 | 1,187 | 1,187 | 3.16 |
| 2023 | $7,442,564 | $20,181,631 | $33,205,153 | 986 | 986 | 2.71 |
| 2024 | $9,180,566 | $22,886,269 | $39,712,310 | 888 | 888 | 2.49 |
Commodities insured in Wells 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.
Corn 10 years filed
- 0.58Low end of the filed band
- 1.95Middle of the filed band
- 2.98High end of the filed band
- 2020Worst year filed (3.75)
- 10Years filed
- $28,403,859Premium filed
- $72,831,117Indemnity paid
- $124,067,722Liability insured
- 299,119Quantity planted
- 299,859Quantity lost
- 1,232Policies
- 1,232Policies with a loss
- 2.56Loss ratio, whole span
Causes that carried the indemnity in Wells County
- Excess Moisture/Precipitation/Rain $37,607,118 indemnity · 8 years
- Drought $23,569,752 indemnity · 9 years
- Cold Wet Weather $7,810,876 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,567,412 indemnity · 1 years
- Decline in Price $737,690 indemnity · 5 years
- Wind/Excess Wind $630,767 indemnity · 5 years
Soybeans 10 years filed
- 1.44Low end of the filed band
- 2.86Middle of the filed band
- 4.82High end of the filed band
- 2023Worst year filed (5.48)
- 10Years filed
- $20,988,039Premium filed
- $61,492,788Indemnity paid
- $170,134,956Liability insured
- 609,394Quantity planted
- 615,170Quantity lost
- 2,581Policies
- 2,578Policies with a loss
- 2.93Loss ratio, whole span
Causes that carried the indemnity in Wells County
- Drought $26,784,347 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $18,625,540 indemnity · 10 years
- Cold Wet Weather $3,891,937 indemnity · 8 years
- Hail $3,673,116 indemnity · 10 years
- Freeze $1,765,467 indemnity · 2 years
- ARPI/SCO/STAX/MP Crops Only $1,567,320 indemnity · 2 years
Dry Beans 10 years filed
- 1.72Low end of the filed band
- 3.07Middle of the filed band
- 3.89High end of the filed band
- 2021Worst year filed (6.17)
- 10Years filed
- $11,117,361Premium filed
- $38,211,090Indemnity paid
- $66,745,838Liability insured
- 184,740Quantity planted
- 183,328Quantity lost
- 805Policies
- 805Policies with a loss
- 3.44Loss ratio, whole span
Causes that carried the indemnity in Wells County
- Drought $17,838,100 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $6,427,739 indemnity · 8 years
- Frost $3,846,747 indemnity · 2 years
- Wind/Excess Wind $2,152,175 indemnity · 8 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $2,062,389 indemnity · 3 years
- Freeze $2,001,676 indemnity · 2 years
Wheat 10 years filed
- 1.33Low end of the filed band
- 2.79Middle of the filed band
- 3.64High end of the filed band
- 2021Worst year filed (3.70)
- 10Years filed
- $10,472,042Premium filed
- $32,176,983Indemnity paid
- $64,258,993Liability insured
- 242,204Quantity planted
- 243,135Quantity lost
- 1,595Policies
- 1,595Policies with a loss
- 3.07Loss ratio, whole span
Causes that carried the indemnity in Wells County
- Drought $14,857,920 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $10,388,020 indemnity · 10 years
- Hail $2,295,174 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $1,442,063 indemnity · 5 years
- Plant Disease $1,157,415 indemnity · 3 years
- Cold Wet Weather $833,782 indemnity · 6 years
Pasture,Rangeland,Forage 9 years filed
- 1.42Low end of the filed band
- 2.39Middle of the filed band
- 2.98High end of the filed band
- 2020Worst year filed (2.98)
- 9Years filed
- $1,600,892Premium filed
- $3,898,532Indemnity paid
- $6,715,953Liability insured
- 103,247Quantity planted
- 0Quantity lost
- 660Policies
- 660Policies with a loss
- 2.44Loss ratio, whole span
Causes that carried the indemnity in Wells County
- ARPI/SCO/STAX/MP Crops Only $3,898,532 indemnity · 9 years
Barley 10 years filed
- 1.67Low end of the filed band
- 2.60Middle of the filed band
- 4.90High end of the filed band
- 2019Worst year filed (7.13)
- 10Years filed
- $1,001,118Premium filed
- $2,914,998Indemnity paid
- $6,046,156Liability insured
- 22,653Quantity planted
- 22,686Quantity lost
- 259Policies
- 258Policies with a loss
- 2.91Loss ratio, whole span
Causes that carried the indemnity in Wells County
- Excess Moisture/Precipitation/Rain $1,593,941 indemnity · 9 years
- Drought $623,238 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $157,950 indemnity · 4 years
- Hail $125,819 indemnity · 5 years
- Heat $69,333 indemnity · 3 years
- Other (Snow, Lightning, Etc.) $69,145 indemnity · 2 years
Canola 10 years filed
- 1.22Low end of the filed band
- 2.52Middle of the filed band
- 3.09High end of the filed band
- 2021Worst year filed (3.70)
- 10Years filed
- $592,035Premium filed
- $1,730,483Indemnity paid
- $2,765,829Liability insured
- 10,671Quantity planted
- 11,090Quantity lost
- 131Policies
- 131Policies with a loss
- 2.92Loss ratio, whole span
Causes that carried the indemnity in Wells County
- Drought $820,867 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $304,033 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $286,292 indemnity · 2 years
- Frost $127,208 indemnity · 1 years
- Wind/Excess Wind $106,849 indemnity · 3 years
- Hail $44,375 indemnity · 2 years
Sunflowers 10 years filed
- 1.49Low end of the filed band
- 2.09Middle of the filed band
- 2.80High end of the filed band
- 2024Worst year filed (3.14)
- 10Years filed
- $620,151Premium filed
- $1,508,270Indemnity paid
- $2,447,513Liability insured
- 8,894Quantity planted
- 8,493Quantity lost
- 98Policies
- 98Policies with a loss
- 2.43Loss ratio, whole span
Causes that carried the indemnity in Wells County
- Excess Moisture/Precipitation/Rain $805,161 indemnity · 7 years
- Drought $217,583 indemnity · 6 years
- Insects $124,159 indemnity · 2 years
- Wildlife $122,457 indemnity · 3 years
- Plant Disease $120,397 indemnity · 1 years
- Cold Wet Weather $76,516 indemnity · 4 years
Apiculture 6 years filed
- 1.24Low end of the filed band
- 2.60Middle of the filed band
- 3.10High end of the filed band
- 2021Worst year filed (3.10)
- 6Years filed
- $508,477Premium filed
- $1,299,433Indemnity paid
- $2,226,665Liability insured
- 10,708Quantity planted
- 0Quantity lost
- 93Policies
- 93Policies with a loss
- 2.56Loss ratio, whole span
Causes that carried the indemnity in Wells County
- ARPI/SCO/STAX/MP Crops Only $1,299,433 indemnity · 6 years
Every county-crop the agency files in North Dakota → Buy the Wells 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.