Crop-loss band · North Dakota
Williams County, North Dakota — crop-loss band
- 1.96Low end of the filed band
- 2.51Middle of the filed band
- 3.08High end of the filed band
- 2019Worst year filed (3.11)
- 10Years filed
Every year the Risk Management Agency has filed for Williams 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 1.96 at the low end to 3.08 at the high end, with 2.51 in the middle. The worst year filed is 2019, at 3.11. 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 | $1,943,063 | $4,106,631 | $9,764,921 | 356 | 356 | 2.11 |
| 2016 | $4,172,465 | $10,646,856 | $20,683,897 | 361 | 361 | 2.55 |
| 2017 | $10,659,914 | $23,056,519 | $55,686,353 | 911 | 910 | 2.16 |
| 2018 | $3,279,011 | $7,511,247 | $15,827,312 | 405 | 405 | 2.29 |
| 2019 | $5,567,686 | $17,339,712 | $31,277,481 | 683 | 683 | 3.11 |
| 2020 | $2,332,221 | $6,687,549 | $12,741,887 | 378 | 378 | 2.87 |
| 2021 | $13,532,282 | $41,713,722 | $76,331,540 | 1,043 | 1,043 | 3.08 |
| 2022 | $7,584,291 | $19,036,437 | $35,170,886 | 814 | 814 | 2.51 |
| 2023 | $8,268,848 | $22,991,229 | $54,899,893 | 774 | 774 | 2.78 |
| 2024 | $3,013,496 | $5,919,228 | $16,426,630 | 410 | 410 | 1.96 |
Commodities insured in Williams 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.
Wheat 10 years filed
- 1.74Low end of the filed band
- 2.34Middle of the filed band
- 3.30High end of the filed band
- 2022Worst year filed (3.61)
- 10Years filed
- $28,103,673Premium filed
- $74,382,640Indemnity paid
- $161,372,374Liability insured
- 916,067Quantity planted
- 916,974Quantity lost
- 2,326Policies
- 2,326Policies with a loss
- 2.65Loss ratio, whole span
Causes that carried the indemnity in Williams County
- Drought $37,482,107 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $17,256,459 indemnity · 10 years
- Hail $9,902,641 indemnity · 10 years
- Plant Disease $2,456,649 indemnity · 6 years
- Heat $1,591,465 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $1,318,045 indemnity · 4 years
Dry Peas 10 years filed
- 1.69Low end of the filed band
- 2.28Middle of the filed band
- 3.28High end of the filed band
- 2023Worst year filed (3.69)
- 10Years filed
- $15,494,665Premium filed
- $38,374,493Indemnity paid
- $75,468,264Liability insured
- 382,366Quantity planted
- 383,352Quantity lost
- 1,428Policies
- 1,427Policies with a loss
- 2.48Loss ratio, whole span
Causes that carried the indemnity in Williams County
- Drought $18,288,754 indemnity · 10 years
- Hail $9,253,091 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $6,789,271 indemnity · 9 years
- Heat $1,279,690 indemnity · 8 years
- Decline in Price $999,628 indemnity · 7 years
- Cold Wet Weather $433,833 indemnity · 6 years
Canola 10 years filed
- 1.59Low end of the filed band
- 2.59Middle of the filed band
- 4.61High end of the filed band
- 2016Worst year filed (5.13)
- 10Years filed
- $8,364,495Premium filed
- $20,037,672Indemnity paid
- $44,364,638Liability insured
- 179,741Quantity planted
- 180,403Quantity lost
- 645Policies
- 645Policies with a loss
- 2.40Loss ratio, whole span
Causes that carried the indemnity in Williams County
- Drought $10,536,471 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $4,207,401 indemnity · 8 years
- Hail $2,735,560 indemnity · 9 years
- Heat $860,360 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $718,428 indemnity · 2 years
- Wind/Excess Wind $365,054 indemnity · 5 years
Soybeans 10 years filed
- 1.84Low end of the filed band
- 2.25Middle of the filed band
- 4.02High end of the filed band
- 2016Worst year filed (4.42)
- 10Years filed
- $4,200,301Premium filed
- $13,126,665Indemnity paid
- $23,188,841Liability insured
- 125,596Quantity planted
- 125,712Quantity lost
- 636Policies
- 636Policies with a loss
- 3.13Loss ratio, whole span
Causes that carried the indemnity in Williams County
- Drought $6,079,555 indemnity · 8 years
- Freeze $1,638,756 indemnity · 1 years
- Frost $1,337,209 indemnity · 2 years
- Hail $1,249,882 indemnity · 10 years
- Insects $718,668 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $705,490 indemnity · 8 years
Corn 10 years filed
- 2.69Low end of the filed band
- 3.76Middle of the filed band
- 6.05High end of the filed band
- 2021Worst year filed (8.16)
- 10Years filed
- $944,315Premium filed
- $4,273,492Indemnity paid
- $6,669,975Liability insured
- 22,898Quantity planted
- 23,051Quantity lost
- 129Policies
- 129Policies with a loss
- 4.53Loss ratio, whole span
Causes that carried the indemnity in Williams County
- Drought $2,310,031 indemnity · 9 years
- Hail $514,243 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $510,385 indemnity · 5 years
- Heat $250,441 indemnity · 4 years
- Wind/Excess Wind $198,546 indemnity · 3 years
- Flood $159,932 indemnity · 2 years
Flax 10 years filed
- 1.24Low end of the filed band
- 2.99Middle of the filed band
- 3.53High end of the filed band
- 2019Worst year filed (4.27)
- 10Years filed
- $1,213,659Premium filed
- $3,785,884Indemnity paid
- $6,360,320Liability insured
- 39,958Quantity planted
- 40,571Quantity lost
- 245Policies
- 245Policies with a loss
- 3.12Loss ratio, whole span
Causes that carried the indemnity in Williams County
- Drought $1,671,467 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,173,686 indemnity · 7 years
- Hail $274,285 indemnity · 7 years
- Insects $221,879 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $175,594 indemnity · 4 years
- Heat $97,921 indemnity · 3 years
Barley 8 years filed
- 1.68Low end of the filed band
- 1.96Middle of the filed band
- 7.45High end of the filed band
- 2023Worst year filed (7.45)
- 8Years filed
- $694,081Premium filed
- $2,231,363Indemnity paid
- $4,599,162Liability insured
- 21,680Quantity planted
- 21,680Quantity lost
- 112Policies
- 112Policies with a loss
- 3.21Loss ratio, whole span
Causes that carried the indemnity in Williams County
- Hail $1,088,075 indemnity · 3 years
- Drought $663,731 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $268,535 indemnity · 7 years
- Wind/Excess Wind $88,196 indemnity · 2 years
- Heat $74,562 indemnity · 2 years
- Flood $22,159 indemnity · 1 years
Pasture,Rangeland,Forage 10 years filed
- 0.48Low end of the filed band
- 1.86Middle of the filed band
- 2.53High end of the filed band
- 2020Worst year filed (2.63)
- 10Years filed
- $814,561Premium filed
- $1,565,036Indemnity paid
- $4,408,996Liability insured
- 164,912Quantity planted
- 0Quantity lost
- 572Policies
- 572Policies with a loss
- 1.92Loss ratio, whole span
Causes that carried the indemnity in Williams County
- ARPI/SCO/STAX Crops Only $1,565,036 indemnity · 10 years
Sunflowers 10 years filed
- 0.64Low end of the filed band
- 2.15Middle of the filed band
- 3.08High end of the filed band
- 2021Worst year filed (5.62)
- 10Years filed
- $523,527Premium filed
- $1,231,885Indemnity paid
- $2,378,229Liability insured
- 10,995Quantity planted
- 10,995Quantity lost
- 42Policies
- 42Policies with a loss
- 2.35Loss ratio, whole span
Causes that carried the indemnity in Williams County
- Excess Moisture/Precipitation/Rain $408,782 indemnity · 2 years
- Drought $316,657 indemnity · 5 years
- Hail $260,906 indemnity · 4 years
- Wind/Excess Wind $69,883 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $59,957 indemnity · 1 years
- Wildlife $50,339 indemnity · 1 years
Every county-crop the agency files in North Dakota → Buy the Williams 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.