Crop-loss band · Alabama
Lawrence County, Alabama — crop-loss band
- 1.60Low end of the filed band
- 2.69Middle of the filed band
- 3.93High end of the filed band
- 2017Worst year filed (4.34)
- 10Years filed
Every year the Risk Management Agency has filed for Lawrence 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 1.60 at the low end to 3.93 at the high end, with 2.69 in the middle. The worst year filed is 2017, at 4.34. 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 | $221,045 | $353,786 | $1,735,851 | 24 | 24 | 1.60 |
| 2016 | $998,278 | $2,070,685 | $8,873,772 | 89 | 89 | 2.07 |
| 2017 | $324,761 | $1,409,573 | $2,691,794 | 80 | 80 | 4.34 |
| 2018 | $271,067 | $601,817 | $2,784,347 | 60 | 60 | 2.22 |
| 2019 | $587,015 | $2,071,028 | $5,747,842 | 131 | 131 | 3.53 |
| 2020 | $269,233 | $1,057,656 | $3,102,995 | 83 | 83 | 3.93 |
| 2021 | $217,590 | $633,769 | $1,593,182 | 43 | 43 | 2.91 |
| 2022 | $3,091,070 | $8,316,235 | $22,643,378 | 144 | 144 | 2.69 |
| 2023 | $1,319,132 | $2,305,795 | $7,256,036 | 83 | 83 | 1.75 |
| 2024 | $4,734,734 | $15,664,079 | $41,706,204 | 387 | 387 | 3.31 |
Commodities insured in Lawrence 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.
Corn 10 years filed
- 1.01Low end of the filed band
- 3.38Middle of the filed band
- 4.52High end of the filed band
- 2019Worst year filed (4.86)
- 10Years filed
- $4,466,601Premium filed
- $12,553,433Indemnity paid
- $42,996,087Liability insured
- 71,072Quantity planted
- 69,482Quantity lost
- 397Policies
- 397Policies with a loss
- 2.81Loss ratio, whole span
Causes that carried the indemnity in Lawrence County
- Drought $7,713,646 indemnity · 8 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $2,006,715 indemnity · 3 years
- Heat $1,464,474 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $693,942 indemnity · 9 years
- Decline in Price $474,384 indemnity · 8 years
- Wind/Excess Wind $108,503 indemnity · 2 years
Soybeans 10 years filed
- 1.06Low end of the filed band
- 2.43Middle of the filed band
- 3.15High end of the filed band
- 2017Worst year filed (3.77)
- 10Years filed
- $3,673,668Premium filed
- $10,086,947Indemnity paid
- $29,306,649Liability insured
- 79,148Quantity planted
- 79,828Quantity lost
- 402Policies
- 402Policies with a loss
- 2.75Loss ratio, whole span
Causes that carried the indemnity in Lawrence County
- Drought $5,811,969 indemnity · 8 years
- Heat $1,504,478 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $1,245,729 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $922,092 indemnity · 3 years
- Decline in Price $488,630 indemnity · 7 years
- Cold Wet Weather $41,050 indemnity · 1 years
Cotton 8 years filed
- 1.54Low end of the filed band
- 3.06Middle of the filed band
- 8.35High end of the filed band
- 2017Worst year filed (8.35)
- 8Years filed
- $2,833,753Premium filed
- $7,001,603Indemnity paid
- $18,616,686Liability insured
- 20,918Quantity planted
- 40,378Quantity lost
- 149Policies
- 149Policies with a loss
- 2.47Loss ratio, whole span
Causes that carried the indemnity in Lawrence County
- ARPI/SCO/STAX/MP Crops Only $3,546,178 indemnity · 4 years
- Drought $1,444,594 indemnity · 5 years
- Heat $1,049,999 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $641,271 indemnity · 6 years
- Decline in Price $186,366 indemnity · 3 years
- Freeze $96,329 indemnity · 1 years
Wheat 9 years filed
- 2.10Low end of the filed band
- 5.24Middle of the filed band
- 8.46High end of the filed band
- 2024Worst year filed (8.46)
- 9Years filed
- $1,059,903Premium filed
- $4,842,440Indemnity paid
- $7,215,979Liability insured
- 29,899Quantity planted
- 29,961Quantity lost
- 176Policies
- 176Policies with a loss
- 4.57Loss ratio, whole span
Causes that carried the indemnity in Lawrence County
- Drought $2,562,837 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $1,093,937 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $767,806 indemnity · 3 years
- Cold Winter $112,809 indemnity · 1 years
- Freeze $103,744 indemnity · 1 years
- Heat $86,946 indemnity · 1 years
Every county-crop the agency files in Alabama → Buy the Lawrence 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.