Crop-loss band · Illinois
Hardin County, Illinois — crop-loss band
- 1.22Low end of the filed band
- 1.74Middle of the filed band
- 2.28High end of the filed band
- 2024Worst year filed (2.63)
- 10Years filed
Every year the Risk Management Agency has filed for Hardin County is in the series below, from 2017 to 2020. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.22 at the low end to 2.28 at the high end, with 1.74 in the middle. The worst year filed is 2024, at 2.63. 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 | $252,440 | $414,894 | $1,215,174 | 40 | 40 | 1.64 |
| 2016 | $248,049 | $444,250 | $1,064,917 | 33 | 33 | 1.79 |
| 2017 | $175,469 | $400,337 | $958,972 | 32 | 32 | 2.28 |
| 2018 | $174,088 | $329,177 | $941,122 | 35 | 35 | 1.89 |
| 2019 | $210,702 | $415,300 | $828,168 | 45 | 45 | 1.97 |
| 2020 | $63,555 | $110,281 | $441,022 | 19 | 19 | 1.74 |
| 2021 | $193,550 | $236,125 | $1,055,045 | 28 | 28 | 1.22 |
| 2022 | $273,902 | $352,334 | $1,401,582 | 25 | 25 | 1.29 |
| 2023 | $308,701 | $507,341 | $1,508,608 | 24 | 24 | 1.64 |
| 2024 | $202,639 | $533,848 | $1,138,703 | 24 | 24 | 2.63 |
Commodities insured in Hardin County
3 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.
All Other Crops 7 years filed
- 0.41Low end of the filed band
- 1.29Middle of the filed band
- 2.63High end of the filed band
- 2024Worst year filed (2.63)
- 7Years filed
- $1,200,479Premium filed
- $2,056,804Indemnity paid
- $6,032,021Liability insured
- 17,424Quantity planted
- 16,548Quantity lost
- 153Policies
- 153Policies with a loss
- 1.71Loss ratio, whole span
Causes that carried the indemnity in Hardin County
- Excess Moisture/Precipitation/Rain $1,174,551 indemnity · 5 years
- Drought $560,277 indemnity · 4 years
- Decline in Price $180,071 indemnity · 3 years
- ARPI/SCO/STAX/MP Crops Only $111,782 indemnity · 6 years
- Wildlife $21,420 indemnity · 2 years
- Flood $8,703 indemnity · 1 years
Soybeans 5 years filed
- 1.60Low end of the filed band
- 1.70Middle of the filed band
- 2.23High end of the filed band
- 2017Worst year filed (2.23)
- 5Years filed
- $519,202Premium filed
- $932,376Indemnity paid
- $2,895,030Liability insured
- 11,075Quantity planted
- 9,969Quantity lost
- 99Policies
- 99Policies with a loss
- 1.80Loss ratio, whole span
Causes that carried the indemnity in Hardin County
- Excess Moisture/Precipitation/Rain $545,937 indemnity · 5 years
- Drought $259,846 indemnity · 3 years
- Heat $58,898 indemnity · 1 years
- Decline in Price $23,265 indemnity · 2 years
- Flood $22,668 indemnity · 2 years
- Wildlife $17,219 indemnity · 2 years
Corn 5 years filed
- 1.69Low end of the filed band
- 2.04Middle of the filed band
- 2.59High end of the filed band
- 2017Worst year filed (2.59)
- 5Years filed
- $383,414Premium filed
- $754,707Indemnity paid
- $1,626,262Liability insured
- 4,550Quantity planted
- 4,419Quantity lost
- 53Policies
- 53Policies with a loss
- 1.97Loss ratio, whole span
Causes that carried the indemnity in Hardin County
- Excess Moisture/Precipitation/Rain $575,522 indemnity · 5 years
- Drought $149,229 indemnity · 2 years
- Wind/Excess Wind $20,494 indemnity · 1 years
- ARPI/SCO/STAX/MP Crops Only $5,756 indemnity · 1 years
- Decline in Price $3,706 indemnity · 1 years
Every county-crop the agency files in Illinois → Buy the Hardin 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.