Crop-loss band · Alabama
Cherokee County, Alabama — crop-loss band
- 1.56Low end of the filed band
- 2.61Middle of the filed band
- 3.49High end of the filed band
- 2023Worst year filed (3.94)
- 10Years filed
Every year the Risk Management Agency has filed for Cherokee County is in the series below, from 2015 to 2024. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.56 at the low end to 3.49 at the high end, with 2.61 in the middle. The worst year filed is 2023, at 3.94. 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 | $290,231 | $453,854 | $2,434,270 | 87 | 86 | 1.56 |
| 2016 | $427,452 | $1,258,664 | $2,798,116 | 155 | 155 | 2.94 |
| 2017 | $363,406 | $1,107,263 | $3,154,087 | 122 | 122 | 3.05 |
| 2018 | $62,713 | $175,604 | $470,474 | 18 | 18 | 2.80 |
| 2019 | $565,084 | $1,141,582 | $6,892,101 | 119 | 119 | 2.02 |
| 2020 | $180,634 | $630,875 | $1,952,738 | 35 | 35 | 3.49 |
| 2021 | $330,371 | $573,357 | $3,015,624 | 41 | 41 | 1.74 |
| 2022 | $445,689 | $839,071 | $4,100,111 | 49 | 49 | 1.88 |
| 2023 | $31,429 | $123,980 | $282,048 | 14 | 14 | 3.94 |
| 2024 | $659,132 | $1,717,042 | $7,755,081 | 168 | 168 | 2.61 |
Commodities insured in Cherokee County
4 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.
Cotton 10 years filed
- 0.26Low end of the filed band
- 2.07Middle of the filed band
- 5.42High end of the filed band
- 2018Worst year filed (12.19)
- 10Years filed
- $1,683,884Premium filed
- $3,428,911Indemnity paid
- $20,799,744Liability insured
- 30,035Quantity planted
- 32,087Quantity lost
- 213Policies
- 213Policies with a loss
- 2.04Loss ratio, whole span
Causes that carried the indemnity in Cherokee County
- Drought $1,085,630 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $754,558 indemnity · 7 years
- Decline in Price $675,407 indemnity · 3 years
- Freeze $340,019 indemnity · 2 years
- Flood $143,796 indemnity · 1 years
- Heat $107,278 indemnity · 3 years
Soybeans 10 years filed
- 0.85Low end of the filed band
- 1.94Middle of the filed band
- 3.37High end of the filed band
- 2020Worst year filed (4.96)
- 10Years filed
- $1,086,834Premium filed
- $2,338,372Indemnity paid
- $7,364,570Liability insured
- 26,942Quantity planted
- 26,273Quantity lost
- 314Policies
- 313Policies with a loss
- 2.15Loss ratio, whole span
Causes that carried the indemnity in Cherokee County
- Drought $1,500,956 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $528,964 indemnity · 9 years
- Heat $111,117 indemnity · 1 years
- Tropical Storm $64,003 indemnity · 1 years
- Wildlife $52,111 indemnity · 7 years
- Decline in Price $43,726 indemnity · 4 years
Corn 10 years filed
- 0.80Low end of the filed band
- 2.76Middle of the filed band
- 6.01High end of the filed band
- 2017Worst year filed (9.09)
- 10Years filed
- $300,968Premium filed
- $1,129,877Indemnity paid
- $2,903,866Liability insured
- 7,660Quantity planted
- 7,376Quantity lost
- 120Policies
- 120Policies with a loss
- 3.75Loss ratio, whole span
Causes that carried the indemnity in Cherokee County
- Drought $472,574 indemnity · 6 years
- Wind/Excess Wind $201,801 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $146,564 indemnity · 8 years
- Decline in Price $121,231 indemnity · 5 years
- Heat $109,228 indemnity · 1 years
- Wildlife $65,361 indemnity · 3 years
Wheat 8 years filed
- 1.24Low end of the filed band
- 3.37Middle of the filed band
- 6.09High end of the filed band
- 2020Worst year filed (6.09)
- 8Years filed
- $284,455Premium filed
- $1,124,132Indemnity paid
- $1,786,470Liability insured
- 14,502Quantity planted
- 14,501Quantity lost
- 161Policies
- 161Policies with a loss
- 3.95Loss ratio, whole span
Causes that carried the indemnity in Cherokee County
- Excess Moisture/Precipitation/Rain $563,770 indemnity · 6 years
- Drought $538,989 indemnity · 3 years
- Cold Wet Weather $13,049 indemnity · 1 years
- Wind/Excess Wind $7,015 indemnity · 1 years
- Freeze $982 indemnity · 1 years
- Flood $327 indemnity · 1 years
Every county-crop the agency files in Alabama → Buy the Cherokee 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.