Crop-loss band · Alabama
Lauderdale County, Alabama — crop-loss band
- 0.77Low end of the filed band
- 1.67Middle of the filed band
- 4.15High end of the filed band
- 2017Worst year filed (4.21)
- 10Years filed
Every year the Risk Management Agency has filed for Lauderdale County is in the series below, from 2018 to 2024. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 0.77 at the low end to 4.15 at the high end, with 1.67 in the middle. The worst year filed is 2017, at 4.21. 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 | $101,292 | $78,369 | $751,916 | 22 | 22 | 0.77 |
| 2016 | $625,142 | $1,526,764 | $4,967,332 | 138 | 136 | 2.44 |
| 2017 | $135,319 | $569,507 | $1,009,477 | 49 | 49 | 4.21 |
| 2018 | $1,230,086 | $1,208,492 | $4,383,798 | 111 | 111 | 0.98 |
| 2019 | $661,961 | $1,017,252 | $14,323,050 | 95 | 95 | 1.54 |
| 2020 | $617,116 | $1,033,456 | $7,291,572 | 69 | 69 | 1.67 |
| 2021 | $106,099 | $231,877 | $1,907,148 | 16 | 16 | 2.19 |
| 2022 | $2,514,346 | $4,770,889 | $16,725,396 | 147 | 147 | 1.90 |
| 2023 | $599,951 | $946,091 | $7,004,097 | 61 | 61 | 1.58 |
| 2024 | $4,109,749 | $17,044,893 | $46,166,334 | 608 | 608 | 4.15 |
Commodities insured in Lauderdale County
5 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 6 years filed
- 0.62Low end of the filed band
- 1.94Middle of the filed band
- 7.84High end of the filed band
- 2023Worst year filed (7.84)
- 6Years filed
- $4,704,257Premium filed
- $9,276,658Indemnity paid
- $28,933,658Liability insured
- 26,520Quantity planted
- 69,158Quantity lost
- 298Policies
- 298Policies with a loss
- 1.97Loss ratio, whole span
Causes that carried the indemnity in Lauderdale County
- ARPI/SCO/STAX/MP Crops Only $4,695,934 indemnity · 5 years
- Drought $3,613,012 indemnity · 5 years
- Decline in Price $569,806 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $297,792 indemnity · 5 years
- Heat $93,578 indemnity · 1 years
- Cold Wet Weather $4,698 indemnity · 1 years
Corn 9 years filed
- 0.22Low end of the filed band
- 1.77Middle of the filed band
- 5.16High end of the filed band
- 2024Worst year filed (5.16)
- 9Years filed
- $2,686,942Premium filed
- $9,143,099Indemnity paid
- $30,921,062Liability insured
- 53,203Quantity planted
- 49,611Quantity lost
- 374Policies
- 374Policies with a loss
- 3.40Loss ratio, whole span
Causes that carried the indemnity in Lauderdale County
- Drought $6,981,700 indemnity · 6 years
- Decline in Price $983,516 indemnity · 6 years
- Heat $910,693 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $206,619 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $51,933 indemnity · 2 years
- Wildlife $8,086 indemnity · 2 years
Soybeans 10 years filed
- 0.22Low end of the filed band
- 1.87Middle of the filed band
- 2.41High end of the filed band
- 2024Worst year filed (4.02)
- 10Years filed
- $1,837,303Premium filed
- $5,569,465Indemnity paid
- $14,900,366Liability insured
- 45,072Quantity planted
- 43,103Quantity lost
- 450Policies
- 448Policies with a loss
- 3.03Loss ratio, whole span
Causes that carried the indemnity in Lauderdale County
- Drought $4,407,864 indemnity · 9 years
- Decline in Price $491,080 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $244,193 indemnity · 10 years
- Wildlife $178,776 indemnity · 7 years
- Heat $173,140 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $50,342 indemnity · 1 years
Wheat 7 years filed
- 2.18Low end of the filed band
- 6.04Middle of the filed band
- 11.55High end of the filed band
- 2018Worst year filed (11.55)
- 7Years filed
- $564,358Premium filed
- $2,985,446Indemnity paid
- $4,414,436Liability insured
- 24,115Quantity planted
- 24,109Quantity lost
- 185Policies
- 185Policies with a loss
- 5.29Loss ratio, whole span
Causes that carried the indemnity in Lauderdale County
- Drought $1,778,456 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $1,043,383 indemnity · 5 years
- Decline in Price $64,338 indemnity · 3 years
- Freeze $61,914 indemnity · 1 years
- Cold Wet Weather $37,355 indemnity · 1 years
All Other Crops 5 years filed
- 0.08Low end of the filed band
- 0.18Middle of the filed band
- 4.09High end of the filed band
- 2024Worst year filed (4.09)
- 5Years filed
- $908,201Premium filed
- $1,452,922Indemnity paid
- $25,360,598Liability insured
- 208Quantity planted
- 208Quantity lost
- 9Policies
- 9Policies with a loss
- 1.60Loss ratio, whole span
Causes that carried the indemnity in Lauderdale County
- Drought $1,307,236 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $75,973 indemnity · 3 years
- Freeze $66,396 indemnity · 1 years
- Cold Wet Weather $3,317 indemnity · 1 years
Every county-crop the agency files in Alabama → Buy the Lauderdale 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.