Crop-loss band · Alabama
Houston County, Alabama — crop-loss band
- 1.95Low end of the filed band
- 2.38Middle of the filed band
- 2.67High end of the filed band
- 2021Worst year filed (2.68)
- 10Years filed
Every year the Risk Management Agency has filed for Houston 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 1.95 at the low end to 2.67 at the high end, with 2.38 in the middle. The worst year filed is 2021, at 2.68. 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 | $3,038,965 | $7,406,300 | $11,972,805 | 623 | 622 | 2.44 |
| 2016 | $1,364,344 | $3,246,807 | $6,129,413 | 292 | 287 | 2.38 |
| 2017 | $1,359,259 | $2,649,207 | $5,655,766 | 208 | 207 | 1.95 |
| 2018 | $3,200,127 | $8,342,079 | $12,553,641 | 431 | 431 | 2.61 |
| 2019 | $2,640,743 | $6,577,060 | $10,709,672 | 405 | 405 | 2.49 |
| 2020 | $2,768,434 | $7,400,844 | $12,434,020 | 302 | 302 | 2.67 |
| 2021 | $2,022,941 | $5,411,835 | $8,232,280 | 222 | 222 | 2.68 |
| 2022 | $3,048,917 | $6,087,079 | $11,175,688 | 426 | 426 | 2.00 |
| 2023 | $4,085,207 | $8,907,057 | $15,808,434 | 438 | 438 | 2.18 |
| 2024 | $5,137,026 | $11,645,708 | $20,996,563 | 626 | 626 | 2.27 |
Commodities insured in Houston County
6 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.
Peanuts 10 years filed
- 1.94Low end of the filed band
- 2.60Middle of the filed band
- 2.77High end of the filed band
- 2015Worst year filed (3.15)
- 10Years filed
- $13,226,284Premium filed
- $33,677,692Indemnity paid
- $58,622,897Liability insured
- 121,301Quantity planted
- 124,257Quantity lost
- 1,568Policies
- 1,561Policies with a loss
- 2.55Loss ratio, whole span
Causes that carried the indemnity in Houston County
- Drought $10,602,798 indemnity · 10 years
- Heat $8,593,489 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $7,979,537 indemnity · 10 years
- Hurricane/Tropical Depression $4,657,216 indemnity · 5 years
- Tropical Storm $1,078,847 indemnity · 1 years
- Hurricane $326,308 indemnity · 1 years
Cotton 10 years filed
- 1.81Low end of the filed band
- 1.97Middle of the filed band
- 2.70High end of the filed band
- 2018Worst year filed (2.87)
- 10Years filed
- $13,360,556Premium filed
- $28,581,069Indemnity paid
- $44,430,578Liability insured
- 102,896Quantity planted
- 121,604Quantity lost
- 1,328Policies
- 1,328Policies with a loss
- 2.14Loss ratio, whole span
Causes that carried the indemnity in Houston County
- Hurricane/Tropical Depression $9,058,604 indemnity · 5 years
- Drought $5,741,765 indemnity · 8 years
- Heat $5,699,011 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $5,474,775 indemnity · 8 years
- ARPI/SCO/STAX Crops Only $1,128,150 indemnity · 4 years
- Wind/Excess Wind $509,683 indemnity · 4 years
All Other Crops 9 years filed
- 1.39Low end of the filed band
- 2.85Middle of the filed band
- 27.67High end of the filed band
- 2021Worst year filed (27.67)
- 9Years filed
- $446,362Premium filed
- $2,338,175Indemnity paid
- $3,933,345Liability insured
- 4,843Quantity planted
- 2,934Quantity lost
- 39Policies
- 39Policies with a loss
- 5.24Loss ratio, whole span
Causes that carried the indemnity in Houston County
- Hurricane/Tropical Depression $903,281 indemnity · 3 years
- Heat $701,337 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $624,855 indemnity · 6 years
- ARPI/SCO/STAX Crops Only $72,927 indemnity · 5 years
- Decline in Price $27,425 indemnity · 1 years
- Tropical Storm $5,791 indemnity · 1 years
Pasture,Rangeland,Forage 10 years filed
- 0.95Low end of the filed band
- 1.63Middle of the filed band
- 2.07High end of the filed band
- 2017Worst year filed (2.38)
- 10Years filed
- $991,812Premium filed
- $1,603,472Indemnity paid
- $6,359,845Liability insured
- 32,898Quantity planted
- 0Quantity lost
- 739Policies
- 739Policies with a loss
- 1.62Loss ratio, whole span
Causes that carried the indemnity in Houston County
- ARPI/SCO/STAX Crops Only $1,603,472 indemnity · 10 years
Corn 10 years filed
- 1.55Low end of the filed band
- 2.98Middle of the filed band
- 4.02High end of the filed band
- 2017Worst year filed (4.70)
- 10Years filed
- $371,500Premium filed
- $985,981Indemnity paid
- $1,583,425Liability insured
- 4,822Quantity planted
- 4,888Quantity lost
- 164Policies
- 164Policies with a loss
- 2.65Loss ratio, whole span
Causes that carried the indemnity in Houston County
- Drought $349,053 indemnity · 9 years
- Heat $275,661 indemnity · 8 years
- Hurricane/Tropical Depression $155,541 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $77,521 indemnity · 5 years
- Decline in Price $67,925 indemnity · 4 years
- Tropical Storm $27,645 indemnity · 1 years
Soybeans 10 years filed
- 1.23Low end of the filed band
- 1.56Middle of the filed band
- 2.45High end of the filed band
- 2022Worst year filed (2.47)
- 10Years filed
- $269,449Premium filed
- $487,587Indemnity paid
- $738,192Liability insured
- 5,005Quantity planted
- 5,027Quantity lost
- 135Policies
- 135Policies with a loss
- 1.81Loss ratio, whole span
Causes that carried the indemnity in Houston County
- Drought $161,442 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $141,237 indemnity · 7 years
- Hurricane/Tropical Depression $114,109 indemnity · 4 years
- Heat $65,436 indemnity · 5 years
- Tropical Storm $3,494 indemnity · 1 years
- Wind/Excess Wind $810 indemnity · 1 years
Every county-crop the agency files in Alabama → Buy the Houston 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.