Crop-loss band · Colorado
Montrose County, Colorado — crop-loss band
- 1.24Low end of the filed band
- 2.09Middle of the filed band
- 2.83High end of the filed band
- 2015Worst year filed (3.09)
- 10Years filed
Every year the Risk Management Agency has filed for Montrose County is in the series below, from 2018 to 2023. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.24 at the low end to 2.83 at the high end, with 2.09 in the middle. The worst year filed is 2015, at 3.09. 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 | $77,858 | $240,294 | $414,796 | 10 | 10 | 3.09 |
| 2016 | $115,234 | $240,749 | $567,702 | 9 | 9 | 2.09 |
| 2017 | $612,997 | $1,433,880 | $2,827,972 | 17 | 17 | 2.34 |
| 2018 | $782,240 | $1,763,310 | $3,669,658 | 49 | 49 | 2.25 |
| 2019 | $489,794 | $1,385,297 | $2,523,591 | 36 | 36 | 2.83 |
| 2020 | $506,178 | $1,364,978 | $2,501,267 | 59 | 59 | 2.70 |
| 2021 | $635,360 | $1,017,790 | $2,795,312 | 63 | 63 | 1.60 |
| 2022 | $746,809 | $1,437,363 | $3,434,559 | 75 | 75 | 1.92 |
| 2023 | $706,559 | $901,882 | $3,420,283 | 92 | 92 | 1.28 |
| 2024 | $323,742 | $400,960 | $1,619,522 | 28 | 28 | 1.24 |
Commodities insured in Montrose 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 7 years filed
- 0.78Low end of the filed band
- 1.75Middle of the filed band
- 2.58High end of the filed band
- 2020Worst year filed (2.58)
- 7Years filed
- $3,484,448Premium filed
- $5,640,988Indemnity paid
- $16,394,563Liability insured
- 1,117,816Quantity planted
- 0Quantity lost
- 325Policies
- 325Policies with a loss
- 1.62Loss ratio, whole span
Causes that carried the indemnity in Montrose County
- ARPI/SCO/STAX/MP Crops Only $5,640,988 indemnity · 7 years
Onions 10 years filed
- 1.87Low end of the filed band
- 3.19Middle of the filed band
- 3.95High end of the filed band
- 2019Worst year filed (4.46)
- 10Years filed
- $780,487Premium filed
- $2,772,316Indemnity paid
- $3,853,246Liability insured
- 1,335Quantity planted
- 1,338Quantity lost
- 91Policies
- 91Policies with a loss
- 3.55Loss ratio, whole span
Causes that carried the indemnity in Montrose County
- Freeze $1,297,020 indemnity · 7 years
- Failure of Irrigation Supply $416,074 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $353,633 indemnity · 5 years
- Hail $292,828 indemnity · 4 years
- Heat $260,088 indemnity · 5 years
- Plant Disease $66,559 indemnity · 3 years
All Other Crops 6 years filed
- 2.15Low end of the filed band
- 2.34Middle of the filed band
- 4.85High end of the filed band
- 2015Worst year filed (4.85)
- 6Years filed
- $731,836Premium filed
- $1,773,199Indemnity paid
- $3,526,853Liability insured
- 79,427Quantity planted
- 121Quantity lost
- 22Policies
- 22Policies with a loss
- 2.42Loss ratio, whole span
Causes that carried the indemnity in Montrose County
- ARPI/SCO/STAX/MP Crops Only $1,535,590 indemnity · 2 years
- Heat $148,047 indemnity · 2 years
- Freeze $89,562 indemnity · 4 years
Every county-crop the agency files in Colorado → Buy the Montrose 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.