Crop-loss band · South Dakota
Harding County, South Dakota — crop-loss band
- 1.71Low end of the filed band
- 2.21Middle of the filed band
- 2.58High end of the filed band
- 2021Worst year filed (3.47)
- 10Years filed
Every year the Risk Management Agency has filed for Harding County is in the series below, from 2015 to 2019. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.71 at the low end to 2.58 at the high end, with 2.21 in the middle. The worst year filed is 2021, at 3.47. 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 | $291,447 | $691,395 | $1,275,889 | 35 | 35 | 2.37 |
| 2016 | $1,516,340 | $3,702,313 | $7,401,883 | 307 | 307 | 2.44 |
| 2017 | $1,465,974 | $3,236,961 | $7,143,077 | 451 | 445 | 2.21 |
| 2018 | $483,994 | $972,907 | $3,418,041 | 75 | 74 | 2.01 |
| 2019 | $454,989 | $1,049,915 | $3,006,560 | 67 | 67 | 2.31 |
| 2020 | $885,888 | $1,518,911 | $4,251,152 | 198 | 193 | 1.71 |
| 2021 | $1,754,827 | $6,083,118 | $8,584,808 | 358 | 356 | 3.47 |
| 2022 | $562,128 | $1,125,544 | $2,491,781 | 76 | 76 | 2.00 |
| 2023 | $1,332,692 | $2,505,868 | $5,140,743 | 233 | 233 | 1.88 |
| 2024 | $2,450,579 | $6,322,156 | $11,475,817 | 347 | 347 | 2.58 |
Commodities insured in Harding 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.
Forage Production 8 years filed
- 1.56Low end of the filed band
- 1.85Middle of the filed band
- 3.58High end of the filed band
- 2016Worst year filed (3.58)
- 8Years filed
- $3,443,218Premium filed
- $9,422,671Indemnity paid
- $14,583,649Liability insured
- 247,763Quantity planted
- 248,499Quantity lost
- 1,050Policies
- 1,036Policies with a loss
- 2.74Loss ratio, whole span
Causes that carried the indemnity in Harding County
- Drought $8,139,516 indemnity · 7 years
- Freeze $506,350 indemnity · 3 years
- Heat $187,866 indemnity · 5 years
- Insects $162,082 indemnity · 3 years
- Frost $128,153 indemnity · 3 years
- Cold Winter $106,531 indemnity · 1 years
Wheat 10 years filed
- 1.89Low end of the filed band
- 2.37Middle of the filed band
- 3.33High end of the filed band
- 2021Worst year filed (4.12)
- 10Years filed
- $2,507,993Premium filed
- $7,420,923Indemnity paid
- $11,569,664Liability insured
- 87,952Quantity planted
- 87,898Quantity lost
- 426Policies
- 426Policies with a loss
- 2.96Loss ratio, whole span
Causes that carried the indemnity in Harding County
- Drought $4,427,621 indemnity · 9 years
- Hail $1,877,243 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $465,073 indemnity · 5 years
- Cold Winter $178,955 indemnity · 3 years
- All Other Causes $122,048 indemnity · 3 years
- Plant Disease $86,754 indemnity · 2 years
Pasture,Rangeland,Forage 10 years filed
- 0.53Low end of the filed band
- 1.58Middle of the filed band
- 2.17High end of the filed band
- 2021Worst year filed (2.38)
- 10Years filed
- $4,016,941Premium filed
- $7,198,233Indemnity paid
- $19,719,439Liability insured
- 816,057Quantity planted
- 0Quantity lost
- 508Policies
- 508Policies with a loss
- 1.79Loss ratio, whole span
Causes that carried the indemnity in Harding County
- ARPI/SCO/STAX Crops Only $7,198,233 indemnity · 10 years
Corn 9 years filed
- 1.42Low end of the filed band
- 2.79Middle of the filed band
- 5.46High end of the filed band
- 2021Worst year filed (5.46)
- 9Years filed
- $467,516Premium filed
- $1,415,732Indemnity paid
- $2,767,781Liability insured
- 10,481Quantity planted
- 10,605Quantity lost
- 100Policies
- 100Policies with a loss
- 3.03Loss ratio, whole span
Causes that carried the indemnity in Harding County
- Drought $839,148 indemnity · 6 years
- Heat $318,792 indemnity · 4 years
- Hail $54,673 indemnity · 5 years
- Cold Wet Weather $42,059 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $38,948 indemnity · 2 years
- Decline in Price $33,364 indemnity · 1 years
Apiculture 6 years filed
- 0.80Low end of the filed band
- 2.04Middle of the filed band
- 2.84High end of the filed band
- 2024Worst year filed (2.84)
- 6Years filed
- $418,783Premium filed
- $940,618Indemnity paid
- $2,042,693Liability insured
- 12,313Quantity planted
- 0Quantity lost
- 50Policies
- 50Policies with a loss
- 2.25Loss ratio, whole span
Causes that carried the indemnity in Harding County
- ARPI/SCO/STAX/MP Crops Only $940,618 indemnity · 6 years
All Other Crops 5 years filed
- 1.08Low end of the filed band
- 1.77Middle of the filed band
- 3.01High end of the filed band
- 2018Worst year filed (3.01)
- 5Years filed
- $344,406Premium filed
- $810,911Indemnity paid
- $3,506,525Liability insured
- 700Quantity planted
- 42Quantity lost
- 13Policies
- 13Policies with a loss
- 2.35Loss ratio, whole span
Causes that carried the indemnity in Harding County
- Hail $337,115 indemnity · 2 years
- Decline in Price $286,663 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $103,587 indemnity · 2 years
- Other (Snow, Lightning, Etc.) $50,453 indemnity · 1 years
- ARPI/SCO/STAX/MP Crops Only $33,094 indemnity · 2 years
Every county-crop the agency files in South Dakota → Buy the Harding 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.