Crop-loss band · Alabama
Talladega County, Alabama — crop-loss band
- 1.85Low end of the filed band
- 2.81Middle of the filed band
- 3.24High end of the filed band
- 2016Worst year filed (3.62)
- 10Years filed
Every year the Risk Management Agency has filed for Talladega 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 1.85 at the low end to 3.24 at the high end, with 2.81 in the middle. The worst year filed is 2016, at 3.62. 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 | $52,555 | $161,437 | $418,753 | 22 | 22 | 3.07 |
| 2016 | $231,702 | $838,709 | $1,650,188 | 47 | 47 | 3.62 |
| 2017 | $96,215 | $178,323 | $446,954 | 17 | 15 | 1.85 |
| 2018 | $62,960 | $141,325 | $508,873 | 18 | 18 | 2.24 |
| 2019 | $217,989 | $612,434 | $2,169,775 | 37 | 37 | 2.81 |
| 2020 | $93,331 | $276,783 | $907,594 | 18 | 18 | 2.97 |
| 2021 | $71,987 | $202,944 | $802,160 | 17 | 17 | 2.82 |
| 2022 | $113,720 | $253,777 | $1,605,505 | 22 | 22 | 2.23 |
| 2023 | $30,766 | $99,758 | $262,147 | 6 | 6 | 3.24 |
| 2024 | $362,293 | $990,774 | $3,913,815 | 37 | 37 | 2.73 |
Commodities insured in Talladega 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.
Cotton 10 years filed
- 0.87Low end of the filed band
- 2.24Middle of the filed band
- 5.58High end of the filed band
- 2021Worst year filed (6.11)
- 10Years filed
- $505,350Premium filed
- $1,381,392Indemnity paid
- $5,647,058Liability insured
- 9,913Quantity planted
- 11,069Quantity lost
- 109Policies
- 107Policies with a loss
- 2.73Loss ratio, whole span
Causes that carried the indemnity in Talladega County
- Excess Moisture/Precipitation/Rain $736,593 indemnity · 7 years
- Drought $376,641 indemnity · 6 years
- Decline in Price $207,010 indemnity · 5 years
- Hurricane/Tropical Depression $24,634 indemnity · 1 years
- ARPI/SCO/STAX/MP Crops Only $15,535 indemnity · 4 years
- All Other Causes $9,714 indemnity · 1 years
Corn 8 years filed
- 0.26Low end of the filed band
- 1.48Middle of the filed band
- 4.22High end of the filed band
- 2019Worst year filed (4.22)
- 8Years filed
- $452,829Premium filed
- $1,197,246Indemnity paid
- $3,942,598Liability insured
- 8,422Quantity planted
- 7,820Quantity lost
- 54Policies
- 54Policies with a loss
- 2.64Loss ratio, whole span
Causes that carried the indemnity in Talladega County
- Drought $658,148 indemnity · 4 years
- Heat $288,947 indemnity · 3 years
- Decline in Price $234,896 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $13,654 indemnity · 4 years
- Wind/Excess Wind $1,601 indemnity · 1 years
Soybeans 10 years filed
- 0.31Low end of the filed band
- 2.76Middle of the filed band
- 3.76High end of the filed band
- 2016Worst year filed (4.19)
- 10Years filed
- $375,339Premium filed
- $1,177,626Indemnity paid
- $3,096,108Liability insured
- 10,260Quantity planted
- 9,670Quantity lost
- 78Policies
- 78Policies with a loss
- 3.14Loss ratio, whole span
Causes that carried the indemnity in Talladega County
- Drought $516,801 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $400,966 indemnity · 9 years
- Decline in Price $177,370 indemnity · 5 years
- Heat $61,324 indemnity · 3 years
- Insects $12,939 indemnity · 1 years
- All Other Causes $8,225 indemnity · 1 years
Every county-crop the agency files in Alabama → Buy the Talladega 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.