Crop-loss band · South Dakota
McPherson County, South Dakota — crop-loss band
- 1.48Low end of the filed band
- 1.89Middle of the filed band
- 2.84High end of the filed band
- 2021Worst year filed (2.91)
- 10Years filed
Every year the Risk Management Agency has filed for McPherson 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 1.48 at the low end to 2.84 at the high end, with 1.89 in the middle. The worst year filed is 2021, at 2.91. 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 | $4,520,018 | $7,053,927 | $18,390,625 | 427 | 423 | 1.56 |
| 2016 | $1,227,554 | $2,162,328 | $5,423,322 | 176 | 176 | 1.76 |
| 2017 | $3,787,162 | $6,130,485 | $18,812,189 | 575 | 575 | 1.62 |
| 2018 | $5,180,081 | $9,766,000 | $31,096,625 | 565 | 565 | 1.89 |
| 2019 | $2,378,778 | $6,767,486 | $9,842,566 | 457 | 457 | 2.84 |
| 2020 | $4,997,552 | $13,599,192 | $24,256,340 | 945 | 945 | 2.72 |
| 2021 | $12,110,233 | $35,266,264 | $70,732,293 | 1,104 | 1,104 | 2.91 |
| 2022 | $5,059,865 | $11,405,134 | $24,306,620 | 760 | 760 | 2.25 |
| 2023 | $2,553,424 | $5,079,646 | $10,845,380 | 554 | 554 | 1.99 |
| 2024 | $3,329,933 | $4,936,588 | $18,497,300 | 676 | 676 | 1.48 |
Commodities insured in McPherson County
9 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
- 1.20Low end of the filed band
- 1.87Middle of the filed band
- 2.98High end of the filed band
- 2021Worst year filed (3.10)
- 10Years filed
- $20,673,955Premium filed
- $48,992,835Indemnity paid
- $99,724,590Liability insured
- 259,525Quantity planted
- 258,293Quantity lost
- 1,560Policies
- 1,557Policies with a loss
- 2.37Loss ratio, whole span
Causes that carried the indemnity in McPherson County
- Drought $24,403,630 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $16,671,047 indemnity · 10 years
- Hail $2,781,810 indemnity · 8 years
- Cold Wet Weather $1,729,086 indemnity · 7 years
- Heat $1,676,212 indemnity · 6 years
- Hot Wind $664,578 indemnity · 3 years
Soybeans 10 years filed
- 0.89Low end of the filed band
- 2.07Middle of the filed band
- 3.23High end of the filed band
- 2019Worst year filed (3.52)
- 10Years filed
- $13,668,611Premium filed
- $29,430,870Indemnity paid
- $80,524,317Liability insured
- 278,750Quantity planted
- 282,261Quantity lost
- 1,587Policies
- 1,586Policies with a loss
- 2.15Loss ratio, whole span
Causes that carried the indemnity in McPherson County
- Drought $15,347,314 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $6,865,824 indemnity · 10 years
- Hail $2,890,456 indemnity · 9 years
- Cold Wet Weather $1,284,216 indemnity · 8 years
- Heat $736,733 indemnity · 7 years
- Decline in Price $596,778 indemnity · 6 years
Pasture,Rangeland,Forage 10 years filed
- 0.26Low end of the filed band
- 1.72Middle of the filed band
- 2.60High end of the filed band
- 2021Worst year filed (3.07)
- 10Years filed
- $5,084,052Premium filed
- $9,816,782Indemnity paid
- $24,966,793Liability insured
- 426,595Quantity planted
- 0Quantity lost
- 1,863Policies
- 1,863Policies with a loss
- 1.93Loss ratio, whole span
Causes that carried the indemnity in McPherson County
- ARPI/SCO/STAX Crops Only $9,816,782 indemnity · 10 years
Wheat 10 years filed
- 1.66Low end of the filed band
- 2.01Middle of the filed band
- 2.75High end of the filed band
- 2021Worst year filed (4.31)
- 10Years filed
- $3,439,345Premium filed
- $9,063,738Indemnity paid
- $17,884,839Liability insured
- 82,968Quantity planted
- 83,275Quantity lost
- 596Policies
- 596Policies with a loss
- 2.64Loss ratio, whole span
Causes that carried the indemnity in McPherson County
- Drought $4,547,115 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,718,877 indemnity · 10 years
- Hail $1,215,355 indemnity · 7 years
- Heat $469,130 indemnity · 8 years
- Cold Wet Weather $360,723 indemnity · 5 years
- Plant Disease $144,422 indemnity · 3 years
Oats 10 years filed
- 0.57Low end of the filed band
- 2.05Middle of the filed band
- 3.59High end of the filed band
- 2015Worst year filed (4.36)
- 10Years filed
- $520,544Premium filed
- $1,420,769Indemnity paid
- $2,467,601Liability insured
- 17,211Quantity planted
- 17,249Quantity lost
- 235Policies
- 235Policies with a loss
- 2.73Loss ratio, whole span
Causes that carried the indemnity in McPherson County
- Drought $1,035,852 indemnity · 6 years
- Heat $169,323 indemnity · 7 years
- Hail $156,186 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $38,224 indemnity · 7 years
- Hot Wind $6,992 indemnity · 1 years
- Cold Wet Weather $6,738 indemnity · 2 years
Barley 9 years filed
- 1.51Low end of the filed band
- 2.74Middle of the filed band
- 5.11High end of the filed band
- 2021Worst year filed (5.11)
- 9Years filed
- $334,870Premium filed
- $1,046,281Indemnity paid
- $1,544,121Liability insured
- 9,114Quantity planted
- 9,114Quantity lost
- 128Policies
- 128Policies with a loss
- 3.12Loss ratio, whole span
Causes that carried the indemnity in McPherson County
- Drought $628,879 indemnity · 7 years
- Hail $173,978 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $156,585 indemnity · 7 years
- Cold Wet Weather $39,634 indemnity · 2 years
- Heat $24,754 indemnity · 3 years
- Decline in Price $18,890 indemnity · 1 years
Sunflowers 10 years filed
- 1.23Low end of the filed band
- 1.64Middle of the filed band
- 2.62High end of the filed band
- 2017Worst year filed (2.92)
- 10Years filed
- $523,794Premium filed
- $1,042,120Indemnity paid
- $2,309,113Liability insured
- 11,189Quantity planted
- 11,560Quantity lost
- 88Policies
- 88Policies with a loss
- 1.99Loss ratio, whole span
Causes that carried the indemnity in McPherson County
- Excess Moisture/Precipitation/Rain $515,901 indemnity · 7 years
- Hail $190,274 indemnity · 3 years
- Drought $129,223 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $56,999 indemnity · 2 years
- Cold Wet Weather $50,439 indemnity · 2 years
- Wildlife $25,949 indemnity · 3 years
Forage Production 7 years filed
- 0.48Low end of the filed band
- 1.28Middle of the filed band
- 2.98High end of the filed band
- 2021Worst year filed (2.98)
- 7Years filed
- $340,982Premium filed
- $797,060Indemnity paid
- $1,988,044Liability insured
- 23,462Quantity planted
- 23,541Quantity lost
- 171Policies
- 171Policies with a loss
- 2.34Loss ratio, whole span
Causes that carried the indemnity in McPherson County
- Drought $748,486 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $17,290 indemnity · 1 years
- Freeze $11,253 indemnity · 1 years
- Heat $9,383 indemnity · 1 years
- Hail $6,908 indemnity · 2 years
- Frost $2,720 indemnity · 1 years
Flax 7 years filed
- 0.14Low end of the filed band
- 1.24Middle of the filed band
- 2.15High end of the filed band
- 2018Worst year filed (2.15)
- 7Years filed
- $558,446Premium filed
- $556,595Indemnity paid
- $793,841Liability insured
- 3,468Quantity planted
- 3,468Quantity lost
- 11Policies
- 11Policies with a loss
- 1.00Loss ratio, whole span
Causes that carried the indemnity in McPherson County
- Drought $355,573 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $123,849 indemnity · 2 years
- Hail $44,499 indemnity · 1 years
- Cold Wet Weather $32,674 indemnity · 1 years
Every county-crop the agency files in South Dakota → Buy the McPherson 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.