Crop-loss band · Georgia
Effingham County, Georgia — crop-loss band
- 1.49Low end of the filed band
- 2.32Middle of the filed band
- 2.55High end of the filed band
- 2023Worst year filed (2.77)
- 10Years filed
Every year the Risk Management Agency has filed for Effingham 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 1.49 at the low end to 2.55 at the high end, with 2.32 in the middle. The worst year filed is 2023, at 2.77. 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 | $308,493 | $694,004 | $1,083,086 | 38 | 38 | 2.25 |
| 2016 | $312,856 | $736,147 | $1,591,254 | 55 | 55 | 2.35 |
| 2017 | $441,267 | $666,592 | $2,108,325 | 62 | 62 | 1.51 |
| 2018 | $289,264 | $738,441 | $1,412,468 | 42 | 42 | 2.55 |
| 2019 | $464,683 | $1,135,373 | $2,215,800 | 72 | 72 | 2.44 |
| 2020 | $220,513 | $510,641 | $1,495,397 | 49 | 49 | 2.32 |
| 2021 | $157,006 | $394,830 | $703,215 | 37 | 36 | 2.51 |
| 2022 | $785,530 | $1,173,572 | $2,904,286 | 61 | 61 | 1.49 |
| 2023 | $320,876 | $890,221 | $2,154,902 | 69 | 69 | 2.77 |
| 2024 | $883,874 | $1,803,138 | $4,474,618 | 123 | 123 | 2.04 |
Commodities insured in Effingham 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.
Cotton 10 years filed
- 1.26Low end of the filed band
- 1.99Middle of the filed band
- 2.54High end of the filed band
- 2021Worst year filed (2.62)
- 10Years filed
- $2,809,761Premium filed
- $4,873,274Indemnity paid
- $11,293,787Liability insured
- 15,868Quantity planted
- 38,099Quantity lost
- 266Policies
- 266Policies with a loss
- 1.73Loss ratio, whole span
Causes that carried the indemnity in Effingham County
- ARPI/SCO/STAX Crops Only $1,998,826 indemnity · 7 years
- Wildlife $840,965 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $763,108 indemnity · 10 years
- Drought $438,287 indemnity · 7 years
- Tropical Storm $221,999 indemnity · 2 years
- Hurricane/Tropical Depression $209,767 indemnity · 4 years
Peanuts 10 years filed
- 2.31Low end of the filed band
- 3.21Middle of the filed band
- 4.33High end of the filed band
- 2015Worst year filed (4.43)
- 10Years filed
- $592,327Premium filed
- $1,867,250Indemnity paid
- $4,565,709Liability insured
- 6,457Quantity planted
- 6,259Quantity lost
- 149Policies
- 149Policies with a loss
- 3.15Loss ratio, whole span
Causes that carried the indemnity in Effingham County
- Excess Moisture/Precipitation/Rain $541,846 indemnity · 10 years
- Tropical Storm $520,797 indemnity · 2 years
- Drought $393,548 indemnity · 9 years
- Wildlife $246,869 indemnity · 8 years
- Heat $98,436 indemnity · 3 years
- Hurricane $43,989 indemnity · 1 years
Corn 10 years filed
- 1.23Low end of the filed band
- 2.31Middle of the filed band
- 3.73High end of the filed band
- 2017Worst year filed (5.14)
- 10Years filed
- $400,764Premium filed
- $1,078,858Indemnity paid
- $2,269,252Liability insured
- 6,253Quantity planted
- 6,253Quantity lost
- 107Policies
- 107Policies with a loss
- 2.69Loss ratio, whole span
Causes that carried the indemnity in Effingham County
- Drought $313,760 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $282,587 indemnity · 7 years
- Tropical Storm $183,992 indemnity · 2 years
- Heat $143,665 indemnity · 6 years
- Decline in Price $56,625 indemnity · 7 years
- Hurricane/Tropical Depression $51,922 indemnity · 1 years
Soybeans 10 years filed
- 0.71Low end of the filed band
- 2.43Middle of the filed band
- 3.33High end of the filed band
- 2019Worst year filed (4.03)
- 10Years filed
- $381,510Premium filed
- $923,577Indemnity paid
- $2,014,603Liability insured
- 6,885Quantity planted
- 6,905Quantity lost
- 86Policies
- 85Policies with a loss
- 2.42Loss ratio, whole span
Causes that carried the indemnity in Effingham County
- Drought $373,656 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $168,848 indemnity · 4 years
- Heat $134,880 indemnity · 2 years
- Tropical Storm $96,802 indemnity · 2 years
- Wildlife $69,495 indemnity · 9 years
- Hurricane/Tropical Depression $40,458 indemnity · 2 years
Every county-crop the agency files in Georgia → Buy the Effingham 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.