Crop-loss band · Alabama
Henry County, Alabama — crop-loss band
- 1.81Low end of the filed band
- 2.06Middle of the filed band
- 2.47High end of the filed band
- 2016Worst year filed (2.70)
- 10Years filed
Every year the Risk Management Agency has filed for Henry 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 1.81 at the low end to 2.47 at the high end, with 2.06 in the middle. The worst year filed is 2016, at 2.70. 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 | $1,449,943 | $2,934,799 | $5,847,192 | 282 | 282 | 2.02 |
| 2016 | $917,330 | $2,477,066 | $3,873,290 | 200 | 200 | 2.70 |
| 2017 | $1,178,450 | $2,357,484 | $5,187,044 | 232 | 232 | 2.00 |
| 2018 | $1,819,072 | $4,498,040 | $8,007,114 | 222 | 222 | 2.47 |
| 2019 | $1,664,148 | $3,862,780 | $7,329,966 | 308 | 308 | 2.32 |
| 2020 | $1,902,734 | $4,516,597 | $7,981,761 | 196 | 196 | 2.37 |
| 2021 | $950,312 | $1,959,879 | $3,992,215 | 133 | 131 | 2.06 |
| 2022 | $2,017,823 | $3,650,115 | $8,035,577 | 286 | 286 | 1.81 |
| 2023 | $2,448,454 | $4,708,739 | $10,787,813 | 302 | 302 | 1.92 |
| 2024 | $2,893,991 | $6,264,261 | $12,317,812 | 350 | 350 | 2.16 |
Commodities insured in Henry 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
- 1.45Low end of the filed band
- 1.82Middle of the filed band
- 2.35High end of the filed band
- 2018Worst year filed (2.67)
- 10Years filed
- $10,362,033Premium filed
- $20,305,846Indemnity paid
- $37,678,139Liability insured
- 82,076Quantity planted
- 88,489Quantity lost
- 917Policies
- 917Policies with a loss
- 1.96Loss ratio, whole span
Causes that carried the indemnity in Henry County
- Hurricane/Tropical Depression $6,638,520 indemnity · 4 years
- Drought $6,031,898 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $3,557,728 indemnity · 9 years
- Heat $2,203,026 indemnity · 5 years
- ARPI/SCO/STAX/MP Crops Only $721,125 indemnity · 6 years
- Wind/Excess Wind $317,449 indemnity · 5 years
Peanuts 10 years filed
- 1.91Low end of the filed band
- 2.20Middle of the filed band
- 3.14High end of the filed band
- 2019Worst year filed (3.29)
- 10Years filed
- $5,427,653Premium filed
- $13,220,614Indemnity paid
- $26,160,505Liability insured
- 53,581Quantity planted
- 55,357Quantity lost
- 1,018Policies
- 1,016Policies with a loss
- 2.44Loss ratio, whole span
Causes that carried the indemnity in Henry County
- Drought $6,224,905 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $3,369,252 indemnity · 10 years
- Heat $1,846,371 indemnity · 8 years
- Hurricane/Tropical Depression $1,087,129 indemnity · 4 years
- Wildlife $214,015 indemnity · 8 years
- Tropical Storm $136,266 indemnity · 1 years
Pasture,Rangeland,Forage 10 years filed
- 0.92Low end of the filed band
- 2.04Middle of the filed band
- 2.69High end of the filed band
- 2017Worst year filed (3.31)
- 10Years filed
- $984,596Premium filed
- $1,911,465Indemnity paid
- $6,742,838Liability insured
- 27,564Quantity planted
- 0Quantity lost
- 408Policies
- 408Policies with a loss
- 1.94Loss ratio, whole span
Causes that carried the indemnity in Henry County
- ARPI/SCO/STAX Crops Only $1,911,465 indemnity · 10 years
Corn 10 years filed
- 1.23Low end of the filed band
- 3.44Middle of the filed band
- 6.79High end of the filed band
- 2020Worst year filed (8.03)
- 10Years filed
- $467,975Premium filed
- $1,791,835Indemnity paid
- $2,778,302Liability insured
- 6,801Quantity planted
- 6,764Quantity lost
- 168Policies
- 168Policies with a loss
- 3.83Loss ratio, whole span
Causes that carried the indemnity in Henry County
- Heat $595,859 indemnity · 6 years
- Drought $373,728 indemnity · 9 years
- Decline in Price $243,920 indemnity · 5 years
- Hurricane/Tropical Depression $215,538 indemnity · 4 years
- Hail $155,484 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $150,406 indemnity · 6 years
Every county-crop the agency files in Alabama → Buy the Henry 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.