Crop-loss band · Illinois
McHenry County, Illinois — crop-loss band
- 1.08Low end of the filed band
- 1.82Middle of the filed band
- 2.24High end of the filed band
- 2019Worst year filed (4.99)
- 10Years filed
Every year the Risk Management Agency has filed for McHenry 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 1.08 at the low end to 2.24 at the high end, with 1.82 in the middle. The worst year filed is 2019, at 4.99. 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 | $414,392 | $744,161 | $4,787,752 | 149 | 149 | 1.80 |
| 2016 | $136,047 | $275,888 | $1,782,516 | 50 | 49 | 2.03 |
| 2017 | $2,412,794 | $5,410,875 | $30,549,976 | 361 | 361 | 2.24 |
| 2018 | $1,084,691 | $2,140,850 | $13,120,125 | 195 | 188 | 1.97 |
| 2019 | $2,039,450 | $10,167,250 | $22,175,403 | 545 | 540 | 4.99 |
| 2020 | $1,359,007 | $2,989,185 | $18,107,455 | 343 | 343 | 2.20 |
| 2021 | $361,986 | $463,070 | $3,872,611 | 78 | 78 | 1.28 |
| 2022 | $606,501 | $1,050,505 | $6,597,715 | 97 | 97 | 1.73 |
| 2023 | $2,438,637 | $2,636,646 | $23,037,779 | 221 | 221 | 1.08 |
| 2024 | $2,461,040 | $4,477,870 | $30,895,890 | 321 | 321 | 1.82 |
Commodities insured in McHenry 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.
Corn 10 years filed
- 0.74Low end of the filed band
- 1.71Middle of the filed band
- 2.56High end of the filed band
- 2019Worst year filed (5.45)
- 10Years filed
- $8,140,005Premium filed
- $19,374,442Indemnity paid
- $94,895,104Liability insured
- 153,479Quantity planted
- 142,271Quantity lost
- 1,161Policies
- 1,154Policies with a loss
- 2.38Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Excess Moisture/Precipitation/Rain $13,548,008 indemnity · 9 years
- Decline in Price $1,974,103 indemnity · 7 years
- Drought $1,692,052 indemnity · 9 years
- Cold Wet Weather $900,624 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $811,638 indemnity · 5 years
- Heat $205,307 indemnity · 5 years
Soybeans 10 years filed
- 0.86Low end of the filed band
- 1.75Middle of the filed band
- 4.31High end of the filed band
- 2016Worst year filed (6.80)
- 10Years filed
- $4,863,082Premium filed
- $10,288,431Indemnity paid
- $57,649,314Liability insured
- 119,131Quantity planted
- 113,135Quantity lost
- 1,041Policies
- 1,036Policies with a loss
- 2.12Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Excess Moisture/Precipitation/Rain $5,524,002 indemnity · 10 years
- Drought $2,128,653 indemnity · 8 years
- Decline in Price $1,289,498 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $670,768 indemnity · 4 years
- Cold Wet Weather $438,276 indemnity · 8 years
- Heat $187,205 indemnity · 3 years
Wheat 10 years filed
- 0.44Low end of the filed band
- 2.19Middle of the filed band
- 2.79High end of the filed band
- 2017Worst year filed (3.47)
- 10Years filed
- $311,457Premium filed
- $693,427Indemnity paid
- $2,382,804Liability insured
- 7,426Quantity planted
- 7,426Quantity lost
- 158Policies
- 157Policies with a loss
- 2.23Loss ratio, whole span
Causes that carried the indemnity in McHenry County
- Excess Moisture/Precipitation/Rain $276,015 indemnity · 8 years
- Cold Winter $126,119 indemnity · 4 years
- Drought $98,626 indemnity · 3 years
- Cold Wet Weather $72,645 indemnity · 7 years
- Mycotoxin $47,218 indemnity · 2 years
- Decline in Price $33,292 indemnity · 6 years
Every county-crop the agency files in Illinois → Buy the McHenry 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.