Crop-loss band · Illinois
Effingham County, Illinois — crop-loss band
- 0.51Low end of the filed band
- 1.08Middle of the filed band
- 1.89High end of the filed band
- 2023Worst year filed (2.19)
- 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 0.51 at the low end to 1.89 at the high end, with 1.08 in the middle. The worst year filed is 2023, at 2.19. 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 | $1,419,631 | $2,688,611 | $18,256,981 | 695 | 687 | 1.89 |
| 2016 | $1,000,609 | $681,815 | $11,417,658 | 398 | 394 | 0.68 |
| 2017 | $3,029,448 | $3,273,187 | $38,168,187 | 1,250 | 1,249 | 1.08 |
| 2018 | $188,373 | $241,489 | $1,939,403 | 127 | 127 | 1.28 |
| 2019 | $1,774,973 | $2,425,245 | $25,847,902 | 872 | 871 | 1.37 |
| 2020 | $781,932 | $630,725 | $11,045,894 | 407 | 407 | 0.81 |
| 2021 | $1,379,588 | $702,534 | $17,548,213 | 434 | 433 | 0.51 |
| 2022 | $2,019,995 | $1,453,404 | $28,491,116 | 535 | 535 | 0.72 |
| 2023 | $2,882,045 | $6,312,395 | $44,844,073 | 879 | 879 | 2.19 |
| 2024 | $1,522,427 | $1,865,893 | $24,506,650 | 665 | 665 | 1.23 |
Commodities insured in Effingham 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
- 0.38Low end of the filed band
- 0.63Middle of the filed band
- 1.70High end of the filed band
- 2023Worst year filed (2.23)
- 10Years filed
- $11,946,660Premium filed
- $13,641,452Indemnity paid
- $143,485,384Liability insured
- 224,154Quantity planted
- 189,290Quantity lost
- 3,566Policies
- 3,562Policies with a loss
- 1.14Loss ratio, whole span
Causes that carried the indemnity in Effingham County
- Excess Moisture/Precipitation/Rain $6,337,313 indemnity · 10 years
- Drought $4,652,267 indemnity · 6 years
- Decline in Price $1,505,602 indemnity · 7 years
- ARPI/SCO/STAX Crops Only $355,356 indemnity · 3 years
- Cold Wet Weather $251,031 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $152,910 indemnity · 5 years
Soybeans 10 years filed
- 1.13Low end of the filed band
- 1.28Middle of the filed band
- 2.01High end of the filed band
- 2015Worst year filed (2.58)
- 10Years filed
- $4,052,360Premium filed
- $6,633,846Indemnity paid
- $78,580,692Liability insured
- 168,512Quantity planted
- 128,906Quantity lost
- 2,696Policies
- 2,685Policies with a loss
- 1.64Loss ratio, whole span
Causes that carried the indemnity in Effingham County
- Excess Moisture/Precipitation/Rain $4,191,096 indemnity · 10 years
- Drought $1,436,096 indemnity · 7 years
- Decline in Price $467,528 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $272,769 indemnity · 2 years
- Flood $148,754 indemnity · 6 years
- Cold Wet Weather $100,118 indemnity · 9 years
Every county-crop the agency files in Illinois → 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.