Crop-loss band · Iowa
Howard County, Iowa — crop-loss band
- 0.39Low end of the filed band
- 1.58Middle of the filed band
- 2.45High end of the filed band
- 2019Worst year filed (2.55)
- 10Years filed
Every year the Risk Management Agency has filed for Howard 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 0.39 at the low end to 2.45 at the high end, with 1.58 in the middle. The worst year filed is 2019, at 2.55. 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 | $160,805 | $221,386 | $2,110,603 | 33 | 33 | 1.38 |
| 2016 | $210,252 | $156,257 | $2,517,561 | 30 | 30 | 0.74 |
| 2017 | $616,446 | $692,429 | $7,886,355 | 172 | 172 | 1.12 |
| 2018 | $1,355,912 | $2,350,054 | $22,025,472 | 286 | 286 | 1.73 |
| 2019 | $1,011,346 | $2,578,701 | $17,053,685 | 248 | 248 | 2.55 |
| 2020 | $365,793 | $869,259 | $5,827,589 | 96 | 96 | 2.38 |
| 2021 | $929,756 | $360,207 | $12,472,044 | 107 | 107 | 0.39 |
| 2022 | $107,125 | $168,747 | $1,399,836 | 24 | 24 | 1.58 |
| 2023 | $8,320,810 | $20,370,872 | $137,855,425 | 992 | 992 | 2.45 |
| 2024 | $3,487,043 | $5,736,792 | $46,684,671 | 647 | 647 | 1.65 |
Commodities insured in Howard County
2 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
- 0.56Low end of the filed band
- 2.02Middle of the filed band
- 2.82High end of the filed band
- 2022Worst year filed (8.03)
- 10Years filed
- $9,991,552Premium filed
- $23,611,261Indemnity paid
- $168,299,583Liability insured
- 177,325Quantity planted
- 179,380Quantity lost
- 1,267Policies
- 1,267Policies with a loss
- 2.36Loss ratio, whole span
Causes that carried the indemnity in Howard County
- Drought $11,242,316 indemnity · 8 years
- Decline in Price $6,263,691 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $3,009,067 indemnity · 8 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $2,028,089 indemnity · 2 years
- Cold Wet Weather $509,487 indemnity · 7 years
- Wind/Excess Wind $251,984 indemnity · 4 years
Soybeans 10 years filed
- 0.37Low end of the filed band
- 1.42Middle of the filed band
- 1.87High end of the filed band
- 2019Worst year filed (1.98)
- 10Years filed
- $6,573,736Premium filed
- $9,893,443Indemnity paid
- $87,533,658Liability insured
- 157,619Quantity planted
- 137,452Quantity lost
- 1,368Policies
- 1,368Policies with a loss
- 1.51Loss ratio, whole span
Causes that carried the indemnity in Howard County
- Drought $3,635,628 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $2,154,899 indemnity · 9 years
- Decline in Price $2,100,827 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $641,613 indemnity · 2 years
- Hail $397,744 indemnity · 7 years
- Cold Wet Weather $394,399 indemnity · 8 years
Every county-crop the agency files in Iowa → Buy the Howard 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.