Crop-loss band · Oklahoma
Harmon County, Oklahoma — crop-loss band
- 1.28Low end of the filed band
- 1.75Middle of the filed band
- 2.88High end of the filed band
- 2024Worst year filed (3.05)
- 10Years filed
Every year the Risk Management Agency has filed for Harmon 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 1.28 at the low end to 2.88 at the high end, with 1.75 in the middle. The worst year filed is 2024, at 3.05. 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 | $3,245,226 | $4,924,903 | $9,106,953 | 579 | 579 | 1.52 |
| 2016 | $708,995 | $1,243,248 | $1,855,730 | 143 | 143 | 1.75 |
| 2017 | $970,288 | $1,530,849 | $3,006,874 | 178 | 177 | 1.58 |
| 2018 | $3,493,466 | $7,759,638 | $11,164,635 | 434 | 434 | 2.22 |
| 2019 | $1,269,021 | $2,407,927 | $4,485,001 | 191 | 190 | 1.90 |
| 2020 | $2,093,226 | $3,279,256 | $7,528,326 | 313 | 313 | 1.57 |
| 2021 | $2,859,626 | $3,668,830 | $7,979,460 | 215 | 215 | 1.28 |
| 2022 | $16,033,674 | $46,215,295 | $49,727,550 | 718 | 718 | 2.88 |
| 2023 | $11,405,339 | $30,023,929 | $36,431,719 | 658 | 658 | 2.63 |
| 2024 | $8,837,248 | $26,985,357 | $31,436,790 | 482 | 482 | 3.05 |
Commodities insured in Harmon County
4 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.
Cotton 10 years filed
- 1.31Low end of the filed band
- 2.01Middle of the filed band
- 2.99High end of the filed band
- 2024Worst year filed (3.20)
- 10Years filed
- $38,176,246Premium filed
- $102,123,350Indemnity paid
- $122,663,658Liability insured
- 202,152Quantity planted
- 347,437Quantity lost
- 1,455Policies
- 1,454Policies with a loss
- 2.68Loss ratio, whole span
Causes that carried the indemnity in Harmon County
- Hot Wind $32,943,973 indemnity · 10 years
- ARPI/SCO/STAX Crops Only $23,004,076 indemnity · 9 years
- Heat $20,755,388 indemnity · 9 years
- Drought $14,404,968 indemnity · 9 years
- Hail $4,180,861 indemnity · 6 years
- Decline in Price $1,656,262 indemnity · 8 years
Wheat 10 years filed
- 1.38Low end of the filed band
- 1.72Middle of the filed band
- 2.71High end of the filed band
- 2022Worst year filed (3.59)
- 10Years filed
- $8,325,014Premium filed
- $19,366,390Indemnity paid
- $22,835,542Liability insured
- 198,916Quantity planted
- 198,925Quantity lost
- 1,311Policies
- 1,310Policies with a loss
- 2.33Loss ratio, whole span
Causes that carried the indemnity in Harmon County
- Drought $13,220,582 indemnity · 10 years
- ARPI/SCO/STAX Crops Only $2,477,856 indemnity · 4 years
- Hail $1,435,807 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $477,126 indemnity · 5 years
- Decline in Price $411,124 indemnity · 7 years
- Freeze $401,861 indemnity · 3 years
Annual Forage 8 years filed
- 0.89Low end of the filed band
- 1.08Middle of the filed band
- 4.36High end of the filed band
- 2017Worst year filed (4.36)
- 8Years filed
- $2,990,113Premium filed
- $4,356,098Indemnity paid
- $11,267,914Liability insured
- 67,107Quantity planted
- 0Quantity lost
- 288Policies
- 288Policies with a loss
- 1.46Loss ratio, whole span
Causes that carried the indemnity in Harmon County
- ARPI/SCO/STAX/MP Crops Only $4,356,098 indemnity · 8 years
Pasture,Rangeland,Forage 10 years filed
- 0.25Low end of the filed band
- 1.48Middle of the filed band
- 1.84High end of the filed band
- 2017Worst year filed (1.97)
- 10Years filed
- $1,424,735Premium filed
- $2,193,394Indemnity paid
- $5,955,924Liability insured
- 203,235Quantity planted
- 0Quantity lost
- 857Policies
- 857Policies with a loss
- 1.54Loss ratio, whole span
Causes that carried the indemnity in Harmon County
- ARPI/SCO/STAX Crops Only $2,193,394 indemnity · 10 years
Every county-crop the agency files in Oklahoma → Buy the Harmon 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.