Crop-loss band · Alabama
Montgomery County, Alabama — crop-loss band
- 0.77Low end of the filed band
- 1.62Middle of the filed band
- 2.14High end of the filed band
- 2021Worst year filed (2.85)
- 10Years filed
Every year the Risk Management Agency has filed for Montgomery 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 0.77 at the low end to 2.14 at the high end, with 1.62 in the middle. The worst year filed is 2021, at 2.85. 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 | $6,490 | $5,018 | $74,435 | 11 | 11 | 0.77 |
| 2016 | $53,325 | $113,928 | $322,483 | 15 | 15 | 2.14 |
| 2017 | $147,047 | $308,107 | $599,321 | 16 | 16 | 2.10 |
| 2018 | $9,855 | $15,976 | $90,334 | 7 | 7 | 1.62 |
| 2019 | $189,334 | $201,555 | $1,193,528 | 34 | 34 | 1.06 |
| 2020 | $198,469 | $323,891 | $1,334,505 | 43 | 43 | 1.63 |
| 2021 | $268,194 | $764,931 | $2,057,367 | 66 | 66 | 2.85 |
| 2022 | $458,794 | $838,618 | $2,549,169 | 71 | 71 | 1.83 |
| 2023 | $589,734 | $735,467 | $4,088,132 | 190 | 190 | 1.25 |
| 2024 | $369,276 | $472,724 | $2,891,794 | 142 | 142 | 1.28 |
Commodities insured in Montgomery County
3 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.
Pasture,Rangeland,Forage 10 years filed
- 0.77Low end of the filed band
- 1.44Middle of the filed band
- 3.22High end of the filed band
- 2021Worst year filed (3.73)
- 10Years filed
- $1,222,938Premium filed
- $1,788,728Indemnity paid
- $8,847,165Liability insured
- 29,706Quantity planted
- 0Quantity lost
- 534Policies
- 534Policies with a loss
- 1.46Loss ratio, whole span
Causes that carried the indemnity in Montgomery County
- ARPI/SCO/STAX Crops Only $1,788,728 indemnity · 10 years
Cotton 7 years filed
- 0.04Low end of the filed band
- 2.14Middle of the filed band
- 6.58High end of the filed band
- 2024Worst year filed (6.58)
- 7Years filed
- $657,433Premium filed
- $1,450,721Indemnity paid
- $4,272,270Liability insured
- 7,967Quantity planted
- 10,389Quantity lost
- 29Policies
- 29Policies with a loss
- 2.21Loss ratio, whole span
Causes that carried the indemnity in Montgomery County
- Excess Moisture/Precipitation/Rain $819,669 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $309,976 indemnity · 3 years
- Drought $269,017 indemnity · 4 years
- Decline in Price $26,531 indemnity · 2 years
- Wind/Excess Wind $14,587 indemnity · 1 years
- All Other Causes $10,940 indemnity · 1 years
Corn 8 years filed
- 0.34Low end of the filed band
- 1.10Middle of the filed band
- 1.64High end of the filed band
- 2022Worst year filed (1.64)
- 8Years filed
- $410,147Premium filed
- $540,766Indemnity paid
- $2,081,633Liability insured
- 5,201Quantity planted
- 5,220Quantity lost
- 32Policies
- 32Policies with a loss
- 1.32Loss ratio, whole span
Causes that carried the indemnity in Montgomery County
- Drought $347,981 indemnity · 5 years
- Heat $97,997 indemnity · 3 years
- Decline in Price $67,841 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $15,205 indemnity · 4 years
- Flood $11,742 indemnity · 2 years
Every county-crop the agency files in Alabama → Buy the Montgomery 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.