Crop-loss band · Florida
Highlands County, Florida — crop-loss band
- 0.76Low end of the filed band
- 2.36Middle of the filed band
- 3.33High end of the filed band
- 2023Worst year filed (5.98)
- 10Years filed
Every year the Risk Management Agency has filed for Highlands County is in the series below, from 2018 to 2024. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 0.76 at the low end to 3.33 at the high end, with 2.36 in the middle. The worst year filed is 2023, at 5.98. 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 | $562,856 | $690,123 | $3,140,705 | 89 | 89 | 1.23 |
| 2016 | $827,840 | $2,208,861 | $3,913,334 | 51 | 51 | 2.67 |
| 2017 | $1,825,552 | $4,303,571 | $8,606,842 | 129 | 129 | 2.36 |
| 2018 | $4,538,962 | $14,519,494 | $38,411,108 | 346 | 346 | 3.20 |
| 2019 | $1,750,616 | $1,327,025 | $8,302,961 | 182 | 182 | 0.76 |
| 2020 | $2,242,970 | $2,921,311 | $9,921,141 | 220 | 220 | 1.30 |
| 2021 | $3,867,982 | $4,956,772 | $17,984,855 | 317 | 317 | 1.28 |
| 2022 | $5,907,374 | $18,666,100 | $45,508,371 | 502 | 502 | 3.16 |
| 2023 | $7,412,904 | $44,327,203 | $78,416,915 | 704 | 704 | 5.98 |
| 2024 | $5,524,488 | $18,372,915 | $45,873,093 | 465 | 465 | 3.33 |
Commodities insured in Highlands County
4 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.
Oranges 6 years filed
- 7.60Low end of the filed band
- 12.40Middle of the filed band
- 23.75High end of the filed band
- 2020Worst year filed (23.75)
- 6Years filed
- $4,908,351Premium filed
- $59,178,487Indemnity paid
- $122,801,278Liability insured
- 87,762Quantity planted
- 87,781Quantity lost
- 620Policies
- 620Policies with a loss
- 12.06Loss ratio, whole span
Causes that carried the indemnity in Highlands County
- Hurricane/Tropical Depression $30,870,921 indemnity · 3 years
- Freeze $16,239,357 indemnity · 4 years
- Wind/Excess Wind $4,346,688 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $3,450,584 indemnity · 1 years
- Drought $2,657,129 indemnity · 2 years
- Hail $863,645 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 0.66Low end of the filed band
- 1.41Middle of the filed band
- 2.44High end of the filed band
- 2016Worst year filed (2.60)
- 10Years filed
- $27,761,691Premium filed
- $48,667,113Indemnity paid
- $127,180,606Liability insured
- 935,083Quantity planted
- 0Quantity lost
- 1,940Policies
- 1,940Policies with a loss
- 1.75Loss ratio, whole span
Causes that carried the indemnity in Highlands County
- ARPI/SCO/STAX Crops Only $48,667,113 indemnity · 10 years
All Other Crops 5 years filed
- 1.83Low end of the filed band
- 3.38Middle of the filed band
- 8.63High end of the filed band
- 2023Worst year filed (8.63)
- 5Years filed
- $661,156Premium filed
- $2,476,667Indemnity paid
- $4,727,931Liability insured
- 7,127Quantity planted
- 7,127Quantity lost
- 19Policies
- 19Policies with a loss
- 3.75Loss ratio, whole span
Causes that carried the indemnity in Highlands County
- Hurricane $588,588 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $577,772 indemnity · 1 years
- Wildlife $432,689 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $309,859 indemnity · 2 years
- Hurricane/Tropical Depression $139,498 indemnity · 1 years
- Other (Snow, Lightning, Etc.) $116,110 indemnity · 1 years
Apiculture 10 years filed
- 0.73Low end of the filed band
- 1.58Middle of the filed band
- 2.64High end of the filed band
- 2023Worst year filed (2.70)
- 10Years filed
- $1,130,346Premium filed
- $1,971,108Indemnity paid
- $5,369,509Liability insured
- 37,708Quantity planted
- 0Quantity lost
- 426Policies
- 426Policies with a loss
- 1.74Loss ratio, whole span
Causes that carried the indemnity in Highlands County
- ARPI/SCO/STAX Crops Only $1,971,108 indemnity · 10 years
Every county-crop the agency files in Florida → Buy the Highlands 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.