Crop-loss band · South Dakota
Bon Homme County, South Dakota — crop-loss band
- 1.22Low end of the filed band
- 1.99Middle of the filed band
- 3.56High end of the filed band
- 2019Worst year filed (4.65)
- 10Years filed
Every year the Risk Management Agency has filed for Bon Homme 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 1.22 at the low end to 3.56 at the high end, with 1.99 in the middle. The worst year filed is 2019, at 4.65. 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 | $228,846 | $455,544 | $1,548,401 | 158 | 158 | 1.99 |
| 2016 | $2,605,642 | $5,283,708 | $12,502,637 | 477 | 477 | 2.03 |
| 2017 | $2,718,966 | $3,472,583 | $18,533,504 | 482 | 482 | 1.28 |
| 2018 | $1,605,114 | $5,051,498 | $11,428,331 | 625 | 625 | 3.15 |
| 2019 | $6,345,598 | $29,499,729 | $32,456,702 | 1,357 | 1,357 | 4.65 |
| 2020 | $873,349 | $2,494,233 | $6,441,799 | 352 | 351 | 2.86 |
| 2021 | $5,566,571 | $10,361,248 | $40,743,855 | 831 | 829 | 1.86 |
| 2022 | $17,807,765 | $63,307,994 | $121,761,501 | 1,755 | 1,753 | 3.56 |
| 2023 | $7,893,376 | $9,607,946 | $60,582,447 | 926 | 926 | 1.22 |
| 2024 | $7,167,207 | $9,902,477 | $58,412,503 | 1,064 | 1,063 | 1.38 |
Commodities insured in Bon Homme 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.
Corn 10 years filed
- 0.91Low end of the filed band
- 1.85Middle of the filed band
- 4.08High end of the filed band
- 2022Worst year filed (4.14)
- 10Years filed
- $34,707,768Premium filed
- $93,904,306Indemnity paid
- $222,313,211Liability insured
- 337,470Quantity planted
- 366,893Quantity lost
- 3,768Policies
- 3,765Policies with a loss
- 2.71Loss ratio, whole span
Causes that carried the indemnity in Bon Homme County
- Drought $52,935,897 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $30,411,917 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $7,677,744 indemnity · 4 years
- Hail $1,187,172 indemnity · 5 years
- Heat $1,125,099 indemnity · 6 years
- Decline in Price $187,701 indemnity · 8 years
Soybeans 10 years filed
- 1.07Low end of the filed band
- 1.86Middle of the filed band
- 3.74High end of the filed band
- 2019Worst year filed (6.91)
- 10Years filed
- $16,747,222Premium filed
- $41,313,890Indemnity paid
- $133,217,686Liability insured
- 271,232Quantity planted
- 293,196Quantity lost
- 3,254Policies
- 3,251Policies with a loss
- 2.47Loss ratio, whole span
Causes that carried the indemnity in Bon Homme County
- Drought $18,903,516 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $13,580,115 indemnity · 10 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $6,761,168 indemnity · 4 years
- Hail $849,240 indemnity · 8 years
- Heat $485,221 indemnity · 6 years
- Decline in Price $434,770 indemnity · 8 years
Wheat 10 years filed
- 1.66Low end of the filed band
- 3.56Middle of the filed band
- 5.76High end of the filed band
- 2021Worst year filed (6.65)
- 10Years filed
- $555,499Premium filed
- $2,182,753Indemnity paid
- $3,650,164Liability insured
- 11,687Quantity planted
- 11,891Quantity lost
- 358Policies
- 358Policies with a loss
- 3.93Loss ratio, whole span
Causes that carried the indemnity in Bon Homme County
- Drought $1,465,945 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $265,984 indemnity · 6 years
- Cold Winter $181,731 indemnity · 5 years
- Wind/Excess Wind $68,551 indemnity · 1 years
- Hail $66,247 indemnity · 4 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $54,973 indemnity · 2 years
Pasture,Rangeland,Forage 9 years filed
- 0.82Low end of the filed band
- 2.09Middle of the filed band
- 3.50High end of the filed band
- 2024Worst year filed (3.50)
- 9Years filed
- $801,944Premium filed
- $2,036,011Indemnity paid
- $5,230,619Liability insured
- 40,489Quantity planted
- 0Quantity lost
- 647Policies
- 647Policies with a loss
- 2.54Loss ratio, whole span
Causes that carried the indemnity in Bon Homme County
- ARPI/SCO/STAX Crops Only $2,036,011 indemnity · 9 years
Every county-crop the agency files in South Dakota → Buy the Bon Homme 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.