Crop-loss band · South Dakota
Hand County, South Dakota — crop-loss band
- 1.06Low end of the filed band
- 1.86Middle of the filed band
- 3.28High end of the filed band
- 2019Worst year filed (3.72)
- 10Years filed
Every year the Risk Management Agency has filed for Hand County is in the series below, from 2015 to 2023. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.06 at the low end to 3.28 at the high end, with 1.86 in the middle. The worst year filed is 2019, at 3.72. 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 | $1,883,774 | $5,092,921 | $10,547,887 | 273 | 272 | 2.70 |
| 2016 | $4,956,692 | $5,240,660 | $26,765,007 | 453 | 453 | 1.06 |
| 2017 | $7,956,496 | $14,127,261 | $48,355,649 | 649 | 649 | 1.78 |
| 2018 | $5,526,760 | $6,282,217 | $45,091,987 | 535 | 535 | 1.14 |
| 2019 | $10,172,855 | $37,830,105 | $42,212,632 | 756 | 756 | 3.72 |
| 2020 | $4,597,313 | $15,064,040 | $19,167,535 | 794 | 794 | 3.28 |
| 2021 | $6,737,200 | $9,500,360 | $41,336,061 | 513 | 513 | 1.41 |
| 2022 | $11,239,550 | $21,088,840 | $60,817,842 | 827 | 827 | 1.88 |
| 2023 | $5,158,241 | $9,609,634 | $24,628,980 | 638 | 638 | 1.86 |
| 2024 | $6,716,521 | $15,295,719 | $29,283,150 | 882 | 882 | 2.28 |
Commodities insured in Hand County
6 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
- 1.12Low end of the filed band
- 1.59Middle of the filed band
- 3.15High end of the filed band
- 2019Worst year filed (3.23)
- 10Years filed
- $35,274,928Premium filed
- $75,621,259Indemnity paid
- $153,157,358Liability insured
- 396,730Quantity planted
- 394,116Quantity lost
- 2,068Policies
- 2,067Policies with a loss
- 2.14Loss ratio, whole span
Causes that carried the indemnity in Hand County
- Excess Moisture/Precipitation/Rain $43,429,541 indemnity · 9 years
- Drought $18,667,427 indemnity · 9 years
- Cold Wet Weather $6,052,698 indemnity · 8 years
- Hail $5,136,397 indemnity · 9 years
- Decline in Price $824,112 indemnity · 6 years
- Heat $507,533 indemnity · 6 years
Soybeans 10 years filed
- 0.87Low end of the filed band
- 1.76Middle of the filed band
- 4.75High end of the filed band
- 2019Worst year filed (5.88)
- 10Years filed
- $20,525,388Premium filed
- $40,243,925Indemnity paid
- $147,074,930Liability insured
- 463,484Quantity planted
- 418,582Quantity lost
- 1,907Policies
- 1,907Policies with a loss
- 1.96Loss ratio, whole span
Causes that carried the indemnity in Hand County
- Excess Moisture/Precipitation/Rain $19,727,860 indemnity · 10 years
- Drought $8,942,374 indemnity · 7 years
- Hail $3,429,011 indemnity · 10 years
- Cold Wet Weather $2,726,076 indemnity · 9 years
- Wind/Excess Wind $2,222,241 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,990,553 indemnity · 3 years
Wheat 10 years filed
- 2.29Low end of the filed band
- 3.21Middle of the filed band
- 3.88High end of the filed band
- 2017Worst year filed (4.53)
- 10Years filed
- $2,881,298Premium filed
- $9,778,157Indemnity paid
- $15,905,297Liability insured
- 82,292Quantity planted
- 82,648Quantity lost
- 587Policies
- 587Policies with a loss
- 3.39Loss ratio, whole span
Causes that carried the indemnity in Hand County
- Drought $6,103,703 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $1,408,270 indemnity · 10 years
- Cold Winter $846,003 indemnity · 6 years
- Hail $422,270 indemnity · 8 years
- Decline in Price $262,644 indemnity · 7 years
- Cold Wet Weather $254,981 indemnity · 8 years
Pasture,Rangeland,Forage 9 years filed
- 1.10Low end of the filed band
- 1.65Middle of the filed band
- 2.52High end of the filed band
- 2022Worst year filed (2.52)
- 9Years filed
- $4,658,949Premium filed
- $8,034,110Indemnity paid
- $22,656,641Liability insured
- 346,814Quantity planted
- 0Quantity lost
- 1,525Policies
- 1,525Policies with a loss
- 1.72Loss ratio, whole span
Causes that carried the indemnity in Hand County
- ARPI/SCO/STAX Crops Only $8,034,110 indemnity · 9 years
Sunflowers 10 years filed
- 2.09Low end of the filed band
- 2.91Middle of the filed band
- 4.03High end of the filed band
- 2015Worst year filed (7.37)
- 10Years filed
- $1,321,662Premium filed
- $4,770,794Indemnity paid
- $6,783,977Liability insured
- 24,863Quantity planted
- 24,467Quantity lost
- 206Policies
- 206Policies with a loss
- 3.61Loss ratio, whole span
Causes that carried the indemnity in Hand County
- Excess Moisture/Precipitation/Rain $2,053,133 indemnity · 9 years
- Cold Wet Weather $928,347 indemnity · 7 years
- Hail $919,449 indemnity · 3 years
- Insects $309,998 indemnity · 1 years
- Drought $179,862 indemnity · 4 years
- Mycotoxin $119,066 indemnity · 1 years
All Other Crops 8 years filed
- 0.24Low end of the filed band
- 1.65Middle of the filed band
- 3.35High end of the filed band
- 2022Worst year filed (3.35)
- 8Years filed
- $283,177Premium filed
- $683,512Indemnity paid
- $2,628,527Liability insured
- 1,814Quantity planted
- 61Quantity lost
- 27Policies
- 27Policies with a loss
- 2.41Loss ratio, whole span
Causes that carried the indemnity in Hand County
- Excess Moisture/Precipitation/Rain $581,708 indemnity · 2 years
- ARPI/SCO/STAX/MP Crops Only $100,540 indemnity · 5 years
- Drought $1,264 indemnity · 1 years
Every county-crop the agency files in South Dakota → Buy the Hand 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.