Crop-loss band · Colorado
Larimer County, Colorado — crop-loss band
- 1.76Low end of the filed band
- 2.79Middle of the filed band
- 4.14High end of the filed band
- 2018Worst year filed (4.30)
- 10Years filed
Every year the Risk Management Agency has filed for Larimer 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 1.76 at the low end to 4.14 at the high end, with 2.79 in the middle. The worst year filed is 2018, at 4.30. 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 | $101,100 | $311,464 | $646,966 | 23 | 23 | 3.08 |
| 2016 | $178,792 | $315,121 | $847,617 | 31 | 31 | 1.76 |
| 2017 | $344,003 | $949,754 | $1,508,968 | 48 | 47 | 2.76 |
| 2018 | $221,099 | $951,075 | $2,226,596 | 35 | 35 | 4.30 |
| 2019 | $238,797 | $477,143 | $1,732,103 | 26 | 26 | 2.00 |
| 2020 | $191,472 | $407,176 | $1,099,730 | 46 | 46 | 2.13 |
| 2021 | $154,481 | $513,577 | $756,298 | 28 | 28 | 3.32 |
| 2022 | $578,992 | $2,165,210 | $3,399,245 | 62 | 62 | 3.74 |
| 2023 | $220,994 | $915,760 | $1,385,844 | 32 | 32 | 4.14 |
| 2024 | $179,413 | $500,885 | $1,049,117 | 33 | 33 | 2.79 |
Commodities insured in Larimer 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.
Corn 10 years filed
- 1.32Low end of the filed band
- 3.49Middle of the filed band
- 4.56High end of the filed band
- 2017Worst year filed (4.77)
- 10Years filed
- $943,990Premium filed
- $3,366,842Indemnity paid
- $6,549,924Liability insured
- 11,424Quantity planted
- 11,315Quantity lost
- 105Policies
- 105Policies with a loss
- 3.57Loss ratio, whole span
Causes that carried the indemnity in Larimer County
- Hail $2,023,538 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $630,356 indemnity · 8 years
- Failure of Irrigation Supply $346,670 indemnity · 4 years
- Freeze $169,003 indemnity · 2 years
- Failure of Irrigation Equipment $50,944 indemnity · 1 years
- Wildlife $47,583 indemnity · 2 years
Dry Beans 9 years filed
- 2.34Low end of the filed band
- 3.03Middle of the filed band
- 9.20High end of the filed band
- 2015Worst year filed (9.20)
- 9Years filed
- $449,931Premium filed
- $1,423,055Indemnity paid
- $2,236,363Liability insured
- 3,313Quantity planted
- 3,313Quantity lost
- 47Policies
- 47Policies with a loss
- 3.16Loss ratio, whole span
Causes that carried the indemnity in Larimer County
- Hail $808,169 indemnity · 7 years
- Freeze $214,934 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $192,373 indemnity · 4 years
- Failure of Irrigation Equipment $98,053 indemnity · 1 years
- Wind/Excess Wind $63,275 indemnity · 4 years
- Heat $41,811 indemnity · 3 years
All Other Crops 8 years filed
- 1.00Low end of the filed band
- 1.53Middle of the filed band
- 18.06High end of the filed band
- 2018Worst year filed (18.06)
- 8Years filed
- $387,779Premium filed
- $1,296,272Indemnity paid
- $2,332,824Liability insured
- 381Quantity planted
- 275Quantity lost
- 19Policies
- 19Policies with a loss
- 3.34Loss ratio, whole span
Causes that carried the indemnity in Larimer County
- Hail $659,965 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $324,651 indemnity · 3 years
- Heat $173,648 indemnity · 1 years
- Insects $74,946 indemnity · 1 years
- Failure of Irrigation Supply $59,690 indemnity · 1 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $3,372 indemnity · 2 years
Wheat 10 years filed
- 1.63Low end of the filed band
- 2.58Middle of the filed band
- 5.31High end of the filed band
- 2024Worst year filed (7.13)
- 10Years filed
- $293,613Premium filed
- $830,256Indemnity paid
- $1,609,017Liability insured
- 6,235Quantity planted
- 6,247Quantity lost
- 84Policies
- 83Policies with a loss
- 2.83Loss ratio, whole span
Causes that carried the indemnity in Larimer County
- Freeze $313,794 indemnity · 5 years
- Wind/Excess Wind $182,620 indemnity · 6 years
- Hail $102,712 indemnity · 7 years
- Heat $81,093 indemnity · 4 years
- Plant Disease $75,234 indemnity · 1 years
- Drought $59,678 indemnity · 3 years
Pasture,Rangeland,Forage 9 years filed
- 0.87Low end of the filed band
- 1.50Middle of the filed band
- 2.63High end of the filed band
- 2021Worst year filed (2.63)
- 9Years filed
- $333,830Premium filed
- $590,740Indemnity paid
- $1,924,356Liability insured
- 94,988Quantity planted
- 0Quantity lost
- 109Policies
- 109Policies with a loss
- 1.77Loss ratio, whole span
Causes that carried the indemnity in Larimer County
- ARPI/SCO/STAX/MP Crops Only $590,740 indemnity · 9 years
Every county-crop the agency files in Colorado → Buy the Larimer 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.