Crop-loss band · Indiana
Howard County, Indiana — crop-loss band
- 0.47Low end of the filed band
- 1.21Middle of the filed band
- 2.38High end of the filed band
- 2019Worst year filed (4.22)
- 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 0.47 at the low end to 2.38 at the high end, with 1.21 in the middle. The worst year filed is 2019, at 4.22. 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 | $1,533,519 | $3,039,321 | $27,674,046 | 260 | 258 | 1.98 |
| 2016 | $61,277 | $77,781 | $1,033,892 | 20 | 20 | 1.27 |
| 2017 | $1,220,895 | $933,539 | $22,397,973 | 212 | 212 | 0.76 |
| 2018 | $108,741 | $259,135 | $2,261,119 | 39 | 39 | 2.38 |
| 2019 | $326,355 | $1,375,747 | $6,407,441 | 124 | 124 | 4.22 |
| 2020 | $82,349 | $49,112 | $2,274,324 | 31 | 31 | 0.60 |
| 2021 | $19,035 | $22,020 | $406,212 | 13 | 13 | 1.16 |
| 2022 | $119,467 | $146,234 | $2,730,179 | 35 | 35 | 1.22 |
| 2023 | $932,597 | $440,228 | $11,861,769 | 76 | 76 | 0.47 |
| 2024 | $980,952 | $1,190,441 | $9,137,597 | 153 | 153 | 1.21 |
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 9 years filed
- 0.42Low end of the filed band
- 0.94Middle of the filed band
- 5.36High end of the filed band
- 2018Worst year filed (5.36)
- 9Years filed
- $3,759,599Premium filed
- $4,587,155Indemnity paid
- $52,281,711Liability insured
- 66,767Quantity planted
- 55,601Quantity lost
- 489Policies
- 489Policies with a loss
- 1.22Loss ratio, whole span
Causes that carried the indemnity in Howard County
- Excess Moisture/Precipitation/Rain $2,458,375 indemnity · 9 years
- ARPI/SCO/STAX Crops Only $1,507,785 indemnity · 4 years
- Decline in Price $255,330 indemnity · 7 years
- Drought $250,119 indemnity · 6 years
- Cold Wet Weather $34,192 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $24,954 indemnity · 2 years
Soybeans 10 years filed
- 0.87Low end of the filed band
- 1.61Middle of the filed band
- 3.07High end of the filed band
- 2019Worst year filed (3.52)
- 10Years filed
- $1,625,588Premium filed
- $2,946,403Indemnity paid
- $33,902,841Liability insured
- 60,537Quantity planted
- 52,219Quantity lost
- 474Policies
- 472Policies with a loss
- 1.81Loss ratio, whole span
Causes that carried the indemnity in Howard County
- Excess Moisture/Precipitation/Rain $1,581,287 indemnity · 10 years
- ARPI/SCO/STAX Crops Only $583,504 indemnity · 2 years
- Decline in Price $337,143 indemnity · 7 years
- Drought $246,883 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $125,940 indemnity · 3 years
- Cold Wet Weather $66,260 indemnity · 6 years
Every county-crop the agency files in Indiana → 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.