Night heat, water, the loss record and what the land is worth
The things nobody shows a county on one page: how warm its July nights are and which way they are going; how much of its cropland only works with a pump and where that water comes from; what has destroyed crops there since 1989 and whether the insurance book has paid out more than it took in; what the census says the land is worth and what rent buys of that; how much sits in CRP and when those contracts end; how many weeks of each year since 2000 it spent in drought; how much solar and wind is on the ground and proposed; and, where a state publishes the register, its wells and water rights. Each is its own layer. I never add them together, because a combined score hides which problem the ground has.
Dimmed layers are not yet measured. They fill in after the first data run.
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Does the yield record agree?
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| Night-heat measure | Compared | Counties | r | Chance of an r this large with no real link, ×8 | Coolest fifth | Hottest fifth |
|---|
The yield trend is the county corn yield fit on every published year since 2008, in bushels per acre per year. Eight tests are run and all eight are shown; the chance column is multiplied by eight so that running eight tests cannot manufacture a finding. The fifths are the mean yield trend of the coolest and hottest fifth of counties; in the within-state rows they are deviations from the state mean, not yield gains. The verdict reads the within-state rows.
Where the nights are warming
Counties whose July nights have warmed since 1976 with the 95% interval clear of zero, counted by state. A count, not an average, so a big state and a small one are read the same way. The median trend is the middle county's slope.
| State | Counties | Warming | Share | Median trend, F/decade |
|---|
What the ground costs against what it is exposed to
Non-irrigated cash rent for every county, against one exposure at a time. Two charts, not one score. Most of the pattern in the first chart is north to south: warm nights and cheap ground both sit in the south. Tap or hover a dot for the county.
Across the Atlas · built 2026-09-18 · 1455 counties in 15 states.
July nights: 479 of 1450 counties are warming since 1976 with the 95% interval clear of zero, 0 cooling, 971 with no clear direction; the median trend is +0.30 F per decade. In 791 of 1450 counties the 2010s were the warmest complete decade since the 1900s (the 2020s are not complete and are not counted). Julys with an average low at or above 70 F, summed over every county, by decade: 1930s 3116 · 1940s 1969 · 1950s 2615 · 1960s 2340 · 1970s 1872 · 1980s 2333 · 1990s 2451 · 2000s 2297 · 2010s 3156.
Where the warming is, counties warming since 1976 by state, most to least: TX 212 of 254 · CO 53 of 64 · ND 33 of 53 · MI 50 of 83 · OH 52 of 88 · MN 19 of 87 · WI 15 of 72 · SD 8 of 66 · OK 9 of 77 · MO 13 of 115 · IL 9 of 102 · NE 4 of 93 · IN 2 of 92 · IA 0 of 99 · KS 0 of 105.
Water: 201 of 995 counties irrigate a quarter or more of their harvested cropland and 114 irrigate half or more; the median county irrigates 3%. In 627 of 1233 counties nine-tenths or more of the irrigation water is pumped from the ground.
Loss record: $152,195,310,750 of crop insurance indemnities since 1989 across 1393 counties (nominal dollars; pasture and rangeland rainfall-index policies excluded). Heat and drought share by period: 1989-1999 24% · 2000-2009 43% · 2010-2019 45% · 2020-2026 53%. Paid for failure of irrigation supply or equipment: $1,278,399,853.
The irrigated rent premium: 292 counties publish both rents with enough paired years; the premium is rising in 123 and falling in 7, with the 95% interval clear of zero. Falling fastest, fitted through every paired year: Box Butte, NE: $220 in 2013 to $165 in 2026; Spink, SD: $105 in 2012 to $53 in 2025; Lac qui Parle, MN: $0 in 2009 to −$29 in 2025; Stevens, MN: $34 in 2009 to $18 in 2026; Gallatin, IL: $24 in 2009 to $25 in 2025. Rising fastest: Larimer, CO: $101 in 2012 to $166 in 2026; Adams, WI: $130 in 2009 to $267 in 2026; Wadena, MN: $72 in 2009 to $176 in 2026; Tom Green, TX: $24 in 2009 to $100 in 2026; Yuma, CO: $120 in 2009 to $245 in 2026.
Loss ratio: across 1401 counties RMA has paid $152,195,364,355 of indemnity on $199,752,860,528 of premium since 1989, a loss ratio of 0.76; in 278 counties indemnities have exceeded premium over the whole record. By period: 1989-1999 0.98 · 2000-2009 0.74 · 2010-2019 0.86 · 2020-2026 0.65. Rainfall-index pasture policies excluded.
Land value, 2022 census: the median county reports $4,556 an acre for land and buildings (range $871 to $122,408, 1446 counties). Non-irrigated cash rent as a share of that value is published for 1265 counties, median 2.27%; under 2% in 503, over 4% in 11.
CRP: not yet measured.
Drought: summed over 1450 counties, the year with the most county-weeks with at least half the county in severe drought or worse since 2000 was 2012 (26,579 county-weeks). In 2025, the latest full year, 46 counties spent half the year or more in that condition.
Solar and wind, Form 860 2025: 57,345 MW of solar in 543 counties and 123,165 MW of wind in 360; 16,030 MW of batteries. Proposed to EIA: 72,723 MW solar and 13,223 MW wind, touching 383 counties.
Wells and rights. Nebraska: 267,635 registered wells, 105,339 of them irrigation wells not decommissioned, median county median depth 197 ft. Kansas: 111,420 points of diversion, 51,917 active irrigation, median county median priority year 1977.
How each layer is measured
Night heat. NOAA NCEI's nClimDiv county dataset gives, for every county, the monthly mean of each day's minimum temperature since 1895. I keep July, the silking month across most of these states, and August, the grain-fill month where the cited harm from warm nights is measured. The recent level is the mean of the last ten Julys (at least eight must be present). The trend is an ordinary least squares line through the Julys since 1976, reported in degrees per decade with a 95% confidence interval; a county gets a direction only when that interval, as printed, excludes zero, and no trend at all with fewer than forty of the years present. 1976 sits at the cold end of the record, which flatters a warming slope, so the slope through the whole record from 1895 is printed beside it in the arithmetic. Decade means run from the 1900s; a decade needs five Julys to print and ten to count as complete. A hot July is one whose average low was at or above 70 F: extension research puts the harm line for corn at nightly lows above 70 F, and a monthly average at that line means most nights were over it. North of Kansas that is rare, and the count says so; the decade means and the slider carry the Corn Belt story.
Water. Two official sources, neither produced by AGSIST. The irrigated share is irrigated harvested cropland over all harvested cropland from the 2022 Census of Agriculture; where NASS suppressed the irrigated figure it stays suppressed here, and where NASS published no irrigated row at all, which is what happens when no farm in the county reported any, the county shows none reported. The groundwater share is crop-irrigation withdrawals from groundwater over all fresh crop-irrigation withdrawals in the USGS county water-use estimates for 2015, the latest county release; USGS builds those from irrigated acreage and application rates, not meters, so they are estimates. Water withdrawn per irrigated acre comes from the same file and includes conveyance losses, so surface-water districts read high. The irrigated rent premium is separate: it is NASS's own survey of what tenants pay, and it needs at least six paired years before a trend is printed.
The loss record. USDA RMA's cause-of-loss files, one per crop year from 1989. Every crop indemnity dollar in the county is grouped by the peril that caused it and summed by period: 1989 to 1999, the 2000s, the 2010s, and 2020 on. Pasture, rangeland and forage rainfall-index policies are left out, because they pay on a rainfall index rather than a destroyed crop and in ranch counties they would swamp everything else; the dollars left out are printed. Area and index plans on crops (GRP, GRIP, ARPI, SCO, STAX) pay on a county outcome and RMA assigns them no peril; they are carried as peril not assigned rather than guessed into drought. Price decline stays in the denominator, so a revenue-protection county's 2014 and 2015 show up as price, not weather. Prevented planting sits inside excess moisture. Dollars are nominal and participation grew sharply after 1994 and 2000, so the shares by period are the comparable numbers, not the dollars. The heat-and-drought share by period is the number to watch. Irrigation failure is its own group: it is failure of the irrigation supply or equipment within the policy period, and aquifer decline is not an insured cause, so it is a narrow signal, not the Ogallala. The current crop year is partial until RMA closes it and is marked. The cause-of-loss files carry premium only for policies that had a loss, so no loss ratio is computed from them; that comes from the next layer.
Loss ratio. RMA's Summary of Business county files (sobcov, one per crop year from 1989) carry every policy in the county whether it paid or not: liability, total premium, subsidy and indemnity by crop, plan and coverage level. Indemnity over that premium is the loss ratio as RMA defines it, and 1.00 means the county's book paid out exactly what it took in. It is summed over the whole record, over the last ten crop years, and by the same periods as the loss record; it prints only above $1,000,000 of premium, and a period prints only with at least five of its years present. Rainfall and Vegetation Index plans are left out here too, so the two RMA layers describe the same book, and the ratio of the two files' indemnity totals is printed as a check. The premium is the whole premium, farmer-paid plus federal subsidy, because that is what the ratio means to the program; a farmer's own premium is a fraction of it.
Land value. The Census of Agriculture asks every operator the market value of their land and buildings; NASS publishes the average per acre by county for 2012, 2017 and 2022. It is the only county land value on one method across all fifteen states, and it is what it is: operators' estimates, buildings included, five years apart. Beside it, the county's non-irrigated cropland cash rent for the census year divided by that value, printed as a gross percentage. No modelled value, ever, unless it ships with a backtest beside it; the one vendor that prints an accuracy for its model prints ±25%.
CRP. FSA's county statistics: acres enrolled by year since 1986, and acres whose contracts expire by fiscal year. The share is CRP acres over CRP acres plus 2022 harvested cropland, the county's arable base. Acres expiring in the current and next two fiscal years are summed and printed against the enrolled total. FSA publishes county names; they are joined to FIPS by name and a name that does not match is listed, never guessed.
Drought. The U.S. Drought Monitor's county statistics, one record per weekly map since January 2000. A week counts when at least half the county's area was in D2 (severe) or worse; D3 (extreme) or worse is counted the same way. Weeks are summed by year, over the record, and over the last five full years; a year needs forty weekly maps to count as full. The Monitor is a map drawn by people from many indicators, not a rain gauge, and it is the map that USDA's disaster designations and livestock forage payments key off, so it is the drought that the program world recognises.
Solar and wind. EIA's Form 860 lists every generator of 1 MW or more at a grid-connected plant, with the plant's county and coordinates; the Operable tab gives what runs and the Proposed tab what developers have reported with a planned year. Solar, wind and battery nameplate MW are summed by county, with the year the first solar and first wind generator came online. A county with no plant in the file reads zero, not missing, because the file is a census. Proposed is not the interconnection queue; much of it is never built, and the queue itself is a later layer.
Wells and water rights. Two states publish an open register that this page has read and verified: Nebraska's registered wells (every well, with use, status, depth, static level at completion and completion date) and Kansas's WIMAS points of diversion (every point, with use, active flag, source of supply and the right's priority date). Nebraska counties show wells, irrigation wells not decommissioned, median depth, median static level and completions by decade; Kansas counties show points, active irrigation rights, the median priority year and the source split. Every other state reads "no open register read yet", which is the truth: some have one behind a login or a fee, some have none. Water-level change over the High Plains aquifer (USGS) is a layer to add once its file can be fetched from a runner.
Rent and yield. County cash rent and county corn yields are the same NASS series that drive Cash Rent by County. The yield trend here is fitted on every published year since 2008 and labelled with its window; that page's own trend uses the last fifteen years, which as of 2026 starts on the 2012 drought, and the two are different windows, not two answers. The rent change is nominal dollars over about ten years, using the closest published year at or before ten years back, because NASS published no county estimates for 2015 or 2018 and some counties skip years. The worst year is an observation, not a fit: the lowest published yield since 2008 as a share of the county's median over the same years.
What is never done. No number is interpolated from a neighbour. No layer is scaled, weighted or added to another. No owner name appears on this page. No land value is modelled. A county with nothing published shows a dash and the reason. The states covered are Iowa, Illinois, Indiana, Ohio, Michigan, Wisconsin, Minnesota, Missouri, Nebraska, Kansas, South Dakota, North Dakota, Oklahoma, Colorado and Texas.
Questions
Why are heat and water graded separately instead of combined into one score?
Because a combined score hides which problem a county has. A county with cool nights and a falling aquifer is a different purchase from a county with hot nights and rain-fed ground, and one number would call them the same. Every layer on this page stands on its own and is never added to another.
What does the July night temperature measure?
The monthly mean of each day's minimum temperature for the county, in degrees Fahrenheit, from NOAA NCEI's nClimDiv county dataset, which runs from 1895. July is the silking month for corn across most of these states. Extension research puts the harm line for corn at nightly lows above 70 F, so a July whose average low was at or above 70 F is counted as a hot July.
Where does the crop insurance loss record come from?
USDA Risk Management Agency's Summary of Business cause-of-loss files, one per crop year since 1989. Each indemnity is grouped by the peril that caused it: heat and drought, excess moisture and flood, hail, wind, freeze and frost, irrigation failure, price decline, and other. Dollar totals and shares are published. A loss ratio is not, because those files carry premium only for policies that had a loss.
What is the irrigated rent premium?
The county's irrigated cropland cash rent minus its non-irrigated cropland cash rent, in the same year, from the USDA NASS Cash Rents Survey. It is the land market's own price on water. Where the premium is narrowing, tenants are paying less for the pump than they used to; where it is widening, more.
What is a crop insurance loss ratio and why does it matter for land?
Indemnities paid divided by total premium, from USDA RMA's Summary of Business county files, every policy since 1989. At 1.00 the county's insurance book paid out what it took in; above it, the ground has been costing the program money. Insurers, lenders and anyone pricing a lease look at it because it is the longest continuous record of how often crops in that county have failed against what was expected, with the dollars attached.
Where does the land value come from, and is it an appraisal?
The USDA Census of Agriculture, which asks every operator the market value of their land and buildings and publishes the average per acre by county for 2012, 2017 and 2022. It is not an appraisal and not a sale price; it is what operators reported, buildings included. This page shows it as published and divides the county's non-irrigated cash rent by it. It never models a value.
Why are wells and water rights shown only for Nebraska and Kansas?
Because those two states publish an open register that can be read and checked: Nebraska's registered wells and Kansas's WIMAS points of diversion. Other states keep theirs behind a login, a fee, or do not publish one. A county in another state reads "no open register read yet" rather than a guess.
The same record for one field instead of one county: its soils and water-holding capacity, the hail that has actually hit that ground, the county's night-heat trend, water dependence, loss record and rent, in one document. It will be paid. It is not built yet. If you would use it, leave an address and I will tell you when it exists and what it costs.
Sources
Data files: atlas.json (every county, every layer) · per-county detail under /data/atlas/counties/<fips>.json.