14 DEPARTMENT BUELETIN 912. 
It is quite probable, however, that the frequency indicated for the 
territory about Cheyenne. Wyo.. for example, might ha ye been 
equaled or even exceeded by other localities had all local areas in the 
relatively severe hail territory been represented. YYith all due allow- 
ance for these limitations, the chart doubtless indicates the prevalence 
of hail with a reasonable degree of accuracy. 
The lines on the chart are intended to connect various points at 
which the average annual frequency of hail during the months men- 
tioned and for the period indicated has been found to be equal or very 
nearly -equal. Thus the lines marked 1.0 are intended to connect the 
places at which hail occurred on the average once each year during 
the 14-year period, while the lines marked 2.0 are intended to connect 
the places with an annual average of two occurrences of hail during 
the months considered, and so on. 
The approximate distribution of hail insurance on growing crops 
in the United States during the year 1919 is shown in figure 4. The 
total of such risks in force was estimated to be S559.134.000. The cir- 
cles on this map represent by their respective areas the relative 
amounts of hail risks in force in the various States. They also indi- 
cate by the sectors into which they are divided the group or type of 
insurance institution by which such insurance was carried. The sec- 
tors colored black in various circles indicate the part of the total hail 
insurance in a given State carried by mutual hail insurance compa- 
nies ; the checkered sectors indicate the part carried by joint-stock fire 
insurance companies; and the striped sectors, the part carried by 
State hail insurance departments. 
As indicated by the map, the three States of Kansas, North Dakota, 
and Iowa, ranking in the order given, led all other States in the 
amount of hail risks in force. In fact, these three States together had 
more than one-half of the total hail risks in force in the United States. 
The approximate amount of risks reported from each of the three 
was: Kansas, $116,056,000; North Dakota. $99,603,000; and Iowa, 
s73.47l,000. These amounts represent, respectively. 21 per cent. 17 
per cent, and 13 per cent of the total ris£s in the United States. The 
States of Nebraska. South Dakota, and Minnesota follow in the order 
named having risks, respectively, equal to 9 per cent, 8 per cent, and 
6 per cent of the total. The State of Oklahoma is seventh on the list, 
with risks equal to 4 per cent of the total. None of the remaining 
States had an amount equal to much over 2 per cent of the total, and 
most of them had less than 1 per cent. 
With reference to the distribution of the risks between the three 
types of insurance institutions, it may be recalled from figure 1 that 
the joint-stock companies, in 1919, carried approximately one-half 
of the total risks, while the mutual companies and State departments 
carried about one-fourth each. The predominance of joint-stock hail 
insurance during the year in question may also be seen from figure 4. 
