Crop-loss band · Colorado
Adams County, Colorado — crop-loss band
- 1.35Low end of the filed band
- 1.98Middle of the filed band
- 2.83High end of the filed band
- 2022Worst year filed (3.27)
- 10Years filed
Every year the Risk Management Agency has filed for Adams County is in the series below, from 2015 to 2023. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.35 at the low end to 2.83 at the high end, with 1.98 in the middle. The worst year filed is 2022, at 3.27. 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 | $2,225,877 | $4,411,235 | $10,334,227 | 301 | 301 | 1.98 |
| 2016 | $1,207,949 | $2,558,588 | $6,184,174 | 258 | 258 | 2.12 |
| 2017 | $1,239,308 | $2,193,196 | $4,769,661 | 249 | 249 | 1.77 |
| 2018 | $2,893,530 | $5,460,462 | $12,737,127 | 370 | 369 | 1.89 |
| 2019 | $2,055,885 | $2,769,643 | $8,614,050 | 228 | 228 | 1.35 |
| 2020 | $3,169,492 | $7,482,530 | $14,508,837 | 434 | 434 | 2.36 |
| 2021 | $3,939,110 | $11,158,029 | $20,090,250 | 449 | 449 | 2.83 |
| 2022 | $7,431,392 | $24,302,369 | $31,127,726 | 580 | 580 | 3.27 |
| 2023 | $4,621,275 | $10,597,849 | $17,107,938 | 358 | 358 | 2.29 |
| 2024 | $3,773,036 | $6,789,664 | $13,817,384 | 332 | 332 | 1.80 |
Commodities insured in Adams 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.
Wheat 10 years filed
- 1.27Low end of the filed band
- 1.90Middle of the filed band
- 3.05High end of the filed band
- 2022Worst year filed (3.96)
- 10Years filed
- $18,967,329Premium filed
- $48,463,797Indemnity paid
- $92,275,003Liability insured
- 593,691Quantity planted
- 594,334Quantity lost
- 2,253Policies
- 2,252Policies with a loss
- 2.56Loss ratio, whole span
Causes that carried the indemnity in Adams County
- Drought $25,244,837 indemnity · 9 years
- Wind/Excess Wind $8,569,527 indemnity · 10 years
- Hail $7,025,555 indemnity · 9 years
- Freeze $2,428,108 indemnity · 8 years
- ARPI/SCO/STAX/MP Crops Only $1,891,121 indemnity · 6 years
- Cold Winter $987,571 indemnity · 7 years
Corn 10 years filed
- 1.45Low end of the filed band
- 1.65Middle of the filed band
- 2.89High end of the filed band
- 2016Worst year filed (2.98)
- 10Years filed
- $7,251,993Premium filed
- $14,737,668Indemnity paid
- $23,506,590Liability insured
- 155,117Quantity planted
- 155,126Quantity lost
- 493Policies
- 493Policies with a loss
- 2.03Loss ratio, whole span
Causes that carried the indemnity in Adams County
- Drought $9,011,311 indemnity · 10 years
- Hail $1,988,234 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,961,998 indemnity · 5 years
- Heat $679,145 indemnity · 5 years
- ARPI/SCO/STAX/MP Crops Only $534,803 indemnity · 6 years
- Decline in Price $202,068 indemnity · 6 years
Millet 10 years filed
- 1.36Low end of the filed band
- 1.97Middle of the filed band
- 2.69High end of the filed band
- 2020Worst year filed (2.86)
- 10Years filed
- $2,437,482Premium filed
- $5,503,438Indemnity paid
- $7,804,453Liability insured
- 79,631Quantity planted
- 79,668Quantity lost
- 375Policies
- 375Policies with a loss
- 2.26Loss ratio, whole span
Causes that carried the indemnity in Adams County
- Drought $4,704,720 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $321,385 indemnity · 5 years
- Hail $232,772 indemnity · 10 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $101,690 indemnity · 3 years
- Heat $60,837 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $41,946 indemnity · 1 years
Grain Sorghum 10 years filed
- 0.88Low end of the filed band
- 1.43Middle of the filed band
- 2.27High end of the filed band
- 2022Worst year filed (2.93)
- 10Years filed
- $1,798,870Premium filed
- $3,451,735Indemnity paid
- $4,809,445Liability insured
- 58,132Quantity planted
- 58,141Quantity lost
- 212Policies
- 212Policies with a loss
- 1.92Loss ratio, whole span
Causes that carried the indemnity in Adams County
- Drought $3,035,264 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $145,610 indemnity · 3 years
- Heat $115,176 indemnity · 4 years
- Hail $106,792 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $33,017 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $7,038 indemnity · 1 years
Sunflowers 10 years filed
- 1.20Low end of the filed band
- 1.64Middle of the filed band
- 2.31High end of the filed band
- 2019Worst year filed (2.97)
- 10Years filed
- $1,652,395Premium filed
- $2,849,130Indemnity paid
- $4,552,454Liability insured
- 33,222Quantity planted
- 33,096Quantity lost
- 175Policies
- 175Policies with a loss
- 1.72Loss ratio, whole span
Causes that carried the indemnity in Adams County
- Drought $1,778,342 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $495,369 indemnity · 5 years
- ARPI/SCO/STAX/MP Crops Only $254,421 indemnity · 5 years
- Hail $143,825 indemnity · 5 years
- Cold Wet Weather $46,379 indemnity · 1 years
- Hot Wind $43,328 indemnity · 2 years
All Other Crops 9 years filed
- 0.58Low end of the filed band
- 2.81Middle of the filed band
- 17.13High end of the filed band
- 2016Worst year filed (17.13)
- 9Years filed
- $448,785Premium filed
- $2,717,797Indemnity paid
- $6,343,429Liability insured
- 13,243Quantity planted
- 507Quantity lost
- 51Policies
- 51Policies with a loss
- 6.06Loss ratio, whole span
Causes that carried the indemnity in Adams County
- Hail $1,977,498 indemnity · 3 years
- ARPI/SCO/STAX/MP Crops Only $197,152 indemnity · 6 years
- Decline in Price $165,035 indemnity · 1 years
- Freeze $143,235 indemnity · 3 years
- Drought $121,690 indemnity · 1 years
- Heat $73,739 indemnity · 1 years
Every county-crop the agency files in Colorado → Buy the Adams 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.