Crop-loss band · Oklahoma
Harper County, Oklahoma — crop-loss band
- 0.75Low end of the filed band
- 1.62Middle of the filed band
- 3.41High end of the filed band
- 2022Worst year filed (3.54)
- 10Years filed
Every year the Risk Management Agency has filed for Harper 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 0.75 at the low end to 3.41 at the high end, with 1.62 in the middle. The worst year filed is 2022, at 3.54. 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 | $530,408 | $396,015 | $1,545,630 | 167 | 166 | 0.75 |
| 2016 | $291,069 | $470,658 | $1,028,529 | 116 | 116 | 1.62 |
| 2017 | $321,489 | $456,196 | $1,217,810 | 171 | 171 | 1.42 |
| 2018 | $1,070,087 | $3,647,955 | $4,557,165 | 485 | 485 | 3.41 |
| 2019 | $264,230 | $244,661 | $984,997 | 100 | 100 | 0.93 |
| 2020 | $611,734 | $730,895 | $2,769,358 | 261 | 261 | 1.19 |
| 2021 | $548,480 | $988,438 | $2,507,976 | 332 | 332 | 1.80 |
| 2022 | $2,739,909 | $9,693,723 | $11,513,888 | 875 | 875 | 3.54 |
| 2023 | $3,876,634 | $11,489,212 | $14,805,979 | 726 | 726 | 2.96 |
| 2024 | $1,426,938 | $2,891,005 | $5,571,897 | 418 | 418 | 2.03 |
Commodities insured in Harper 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.
Wheat 10 years filed
- 0.78Low end of the filed band
- 1.60Middle of the filed band
- 3.74High end of the filed band
- 2022Worst year filed (4.50)
- 10Years filed
- $6,118,059Premium filed
- $20,205,263Indemnity paid
- $23,096,328Liability insured
- 186,899Quantity planted
- 188,020Quantity lost
- 1,583Policies
- 1,582Policies with a loss
- 3.30Loss ratio, whole span
Causes that carried the indemnity in Harper County
- Drought $15,291,341 indemnity · 10 years
- XX $2,017,005 indemnity · 6 years
- Wind/Excess Wind $1,625,640 indemnity · 3 years
- Cold Winter $653,335 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $263,966 indemnity · 2 years
- Plant Disease $82,140 indemnity · 4 years
Annual Forage 6 years filed
- 0.49Low end of the filed band
- 2.11Middle of the filed band
- 2.70High end of the filed band
- 2023Worst year filed (2.70)
- 6Years filed
- $2,633,669Premium filed
- $5,863,333Indemnity paid
- $11,033,634Liability insured
- 81,118Quantity planted
- 0Quantity lost
- 410Policies
- 410Policies with a loss
- 2.23Loss ratio, whole span
Causes that carried the indemnity in Harper County
- ARPI/SCO/STAX/MP Crops Only $5,863,333 indemnity · 6 years
Pasture,Rangeland,Forage 10 years filed
- 0.36Low end of the filed band
- 1.53Middle of the filed band
- 1.88High end of the filed band
- 2022Worst year filed (2.02)
- 10Years filed
- $2,670,690Premium filed
- $4,420,452Indemnity paid
- $11,598,166Liability insured
- 527,484Quantity planted
- 0Quantity lost
- 1,562Policies
- 1,562Policies with a loss
- 1.66Loss ratio, whole span
Causes that carried the indemnity in Harper County
- ARPI/SCO/STAX Crops Only $4,420,452 indemnity · 10 years
Grain Sorghum 9 years filed
- 0.78Low end of the filed band
- 1.82Middle of the filed band
- 3.66High end of the filed band
- 2020Worst year filed (3.66)
- 9Years filed
- $258,559Premium filed
- $519,710Indemnity paid
- $775,102Liability insured
- 7,788Quantity planted
- 8,071Quantity lost
- 96Policies
- 96Policies with a loss
- 2.01Loss ratio, whole span
Causes that carried the indemnity in Harper County
- Drought $275,044 indemnity · 7 years
- Hot Wind $171,982 indemnity · 7 years
- Plant Disease $28,792 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $23,597 indemnity · 2 years
- Wind/Excess Wind $11,680 indemnity · 2 years
- XX $7,534 indemnity · 4 years
Every county-crop the agency files in Oklahoma → Buy the Harper 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.