Crop-loss band · Illinois
St. Clair County, Illinois — crop-loss band
- 0.76Low end of the filed band
- 1.05Middle of the filed band
- 1.63High end of the filed band
- 2015Worst year filed (2.08)
- 10Years filed
Every year the Risk Management Agency has filed for St. Clair 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 0.76 at the low end to 1.63 at the high end, with 1.05 in the middle. The worst year filed is 2015, at 2.08. 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 | $2,687,139 | $5,587,367 | $21,037,875 | 690 | 686 | 2.08 |
| 2016 | $1,475,481 | $1,125,296 | $9,513,781 | 204 | 204 | 0.76 |
| 2017 | $4,495,191 | $5,046,925 | $35,140,427 | 664 | 652 | 1.12 |
| 2018 | $1,479,451 | $1,558,944 | $11,473,015 | 209 | 209 | 1.05 |
| 2019 | $2,146,062 | $3,498,169 | $16,009,869 | 425 | 425 | 1.63 |
| 2020 | $1,820,829 | $1,844,984 | $15,171,891 | 389 | 388 | 1.01 |
| 2021 | $697,822 | $625,031 | $5,002,961 | 109 | 109 | 0.90 |
| 2022 | $2,154,824 | $1,726,932 | $19,774,045 | 261 | 261 | 0.80 |
| 2023 | $4,095,042 | $5,629,100 | $40,673,770 | 493 | 493 | 1.37 |
| 2024 | $3,349,659 | $5,452,251 | $35,039,069 | 557 | 557 | 1.63 |
Commodities insured in St. Clair 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.
Corn 10 years filed
- 0.31Low end of the filed band
- 0.81Middle of the filed band
- 1.56High end of the filed band
- 2019Worst year filed (2.02)
- 10Years filed
- $14,086,325Premium filed
- $14,142,900Indemnity paid
- $114,076,517Liability insured
- 188,255Quantity planted
- 161,402Quantity lost
- 1,868Policies
- 1,857Policies with a loss
- 1.00Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Excess Moisture/Precipitation/Rain $7,292,680 indemnity · 10 years
- Drought $3,464,115 indemnity · 7 years
- Decline in Price $2,668,847 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $300,214 indemnity · 3 years
- Flood $265,679 indemnity · 6 years
- Wind/Excess Wind $58,725 indemnity · 3 years
Soybeans 10 years filed
- 0.65Low end of the filed band
- 1.24Middle of the filed band
- 2.03High end of the filed band
- 2015Worst year filed (2.32)
- 10Years filed
- $6,011,629Premium filed
- $9,119,662Indemnity paid
- $80,044,171Liability insured
- 187,867Quantity planted
- 138,522Quantity lost
- 1,771Policies
- 1,765Policies with a loss
- 1.52Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Excess Moisture/Precipitation/Rain $5,155,154 indemnity · 10 years
- Drought $2,209,962 indemnity · 8 years
- Decline in Price $1,033,900 indemnity · 6 years
- Flood $546,042 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $118,563 indemnity · 1 years
- Hail $19,404 indemnity · 3 years
All Other Crops 10 years filed
- 0.85Low end of the filed band
- 1.15Middle of the filed band
- 2.44High end of the filed band
- 2023Worst year filed (2.83)
- 10Years filed
- $3,445,654Premium filed
- $6,252,113Indemnity paid
- $8,545,449Liability insured
- 1,433Quantity planted
- 1,345Quantity lost
- 79Policies
- 79Policies with a loss
- 1.81Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Freeze $2,041,550 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $1,970,239 indemnity · 7 years
- Excess Sun $1,614,185 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $237,710 indemnity · 4 years
- Hail $197,987 indemnity · 2 years
- Heat $170,460 indemnity · 5 years
Wheat 10 years filed
- 1.06Low end of the filed band
- 2.70Middle of the filed band
- 4.25High end of the filed band
- 2021Worst year filed (5.38)
- 10Years filed
- $857,892Premium filed
- $2,580,324Indemnity paid
- $6,170,565Liability insured
- 21,770Quantity planted
- 21,770Quantity lost
- 283Policies
- 283Policies with a loss
- 3.01Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Excess Moisture/Precipitation/Rain $1,442,029 indemnity · 10 years
- Mycotoxin $672,959 indemnity · 3 years
- Decline in Price $150,909 indemnity · 7 years
- Plant Disease $119,155 indemnity · 1 years
- Cold Wet Weather $116,846 indemnity · 3 years
- Freeze $45,661 indemnity · 3 years
Every county-crop the agency files in Illinois → Buy the St. Clair 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.