Crop-loss band · Florida
Hardee County, Florida — crop-loss band
- 0.96Low end of the filed band
- 1.81Middle of the filed band
- 2.50High end of the filed band
- 2022Worst year filed (2.61)
- 10Years filed
Every year the Risk Management Agency has filed for Hardee 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 0.96 at the low end to 2.50 at the high end, with 1.81 in the middle. The worst year filed is 2022, at 2.61. 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 | $505,165 | $483,024 | $2,407,905 | 95 | 95 | 0.96 |
| 2016 | $715,136 | $1,670,527 | $3,351,107 | 106 | 106 | 2.34 |
| 2017 | $2,610,797 | $5,524,167 | $12,748,816 | 232 | 232 | 2.12 |
| 2018 | $2,697,121 | $4,819,254 | $14,098,625 | 254 | 254 | 1.79 |
| 2019 | $1,995,469 | $2,351,277 | $10,021,506 | 204 | 204 | 1.18 |
| 2020 | $2,230,475 | $3,341,317 | $10,450,303 | 246 | 246 | 1.50 |
| 2021 | $4,281,011 | $7,749,549 | $19,720,411 | 492 | 492 | 1.81 |
| 2022 | $3,572,611 | $9,332,318 | $16,541,058 | 422 | 422 | 2.61 |
| 2023 | $4,667,709 | $11,647,008 | $21,984,672 | 564 | 564 | 2.50 |
| 2024 | $6,695,272 | $14,982,269 | $31,183,356 | 687 | 687 | 2.24 |
Commodities insured in Hardee 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.
Pasture,Rangeland,Forage 10 years filed
- 0.59Low end of the filed band
- 1.59Middle of the filed band
- 2.27High end of the filed band
- 2022Worst year filed (2.70)
- 10Years filed
- $22,840,771Premium filed
- $42,161,031Indemnity paid
- $105,497,245Liability insured
- 725,087Quantity planted
- 0Quantity lost
- 2,662Policies
- 2,662Policies with a loss
- 1.85Loss ratio, whole span
Causes that carried the indemnity in Hardee County
- ARPI/SCO/STAX Crops Only $42,161,031 indemnity · 10 years
Peppers 10 years filed
- 0.63Low end of the filed band
- 2.81Middle of the filed band
- 3.24High end of the filed band
- 2017Worst year filed (3.39)
- 10Years filed
- $3,046,640Premium filed
- $8,027,427Indemnity paid
- $10,286,172Liability insured
- 1,410Quantity planted
- 1,410Quantity lost
- 39Policies
- 39Policies with a loss
- 2.63Loss ratio, whole span
Causes that carried the indemnity in Hardee County
- Excess Moisture/Precipitation/Rain $7,371,858 indemnity · 10 years
- Hurricane/Tropical Depression $642,808 indemnity · 2 years
- Freeze $12,761 indemnity · 1 years
Fresh Market Tomatoes 9 years filed
- 1.96Low end of the filed band
- 3.64Middle of the filed band
- 5.38High end of the filed band
- 2020Worst year filed (5.38)
- 9Years filed
- $1,769,871Premium filed
- $6,432,768Indemnity paid
- $10,983,487Liability insured
- 1,521Quantity planted
- 1,508Quantity lost
- 26Policies
- 26Policies with a loss
- 3.63Loss ratio, whole span
Causes that carried the indemnity in Hardee County
- Excess Moisture/Precipitation/Rain $5,034,975 indemnity · 8 years
- Hurricane/Tropical Depression $1,337,643 indemnity · 3 years
- Freeze $60,150 indemnity · 1 years
Whole Farm Revenue Protection 8 years filed
- 1.13Low end of the filed band
- 2.60Middle of the filed band
- 18.10High end of the filed band
- 2021Worst year filed (18.10)
- 8Years filed
- $974,759Premium filed
- $2,657,442Indemnity paid
- $9,086,800Liability insured
- 0Quantity planted
- 0Quantity lost
- 19Policies
- 19Policies with a loss
- 2.73Loss ratio, whole span
Causes that carried the indemnity in Hardee County
- Hurricane/Tropical Depression $849,642 indemnity · 2 years
- Plant Disease $455,611 indemnity · 2 years
- Drought $438,028 indemnity · 3 years
- Wind/Excess Wind $325,253 indemnity · 3 years
- Freeze $256,555 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $238,232 indemnity · 2 years
Apiculture 10 years filed
- 1.11Low end of the filed band
- 2.05Middle of the filed band
- 2.56High end of the filed band
- 2023Worst year filed (2.58)
- 10Years filed
- $1,338,725Premium filed
- $2,622,042Indemnity paid
- $6,654,055Liability insured
- 46,329Quantity planted
- 0Quantity lost
- 556Policies
- 556Policies with a loss
- 1.96Loss ratio, whole span
Causes that carried the indemnity in Hardee County
- ARPI/SCO/STAX Crops Only $2,622,042 indemnity · 10 years
Every county-crop the agency files in Florida → Buy the Hardee 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.