Crop-loss band · Kentucky
Garrard County, Kentucky — crop-loss band
- 1.59Low end of the filed band
- 2.48Middle of the filed band
- 3.62High end of the filed band
- 2015Worst year filed (5.68)
- 10Years filed
Every year the Risk Management Agency has filed for Garrard 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 1.59 at the low end to 3.62 at the high end, with 2.48 in the middle. The worst year filed is 2015, at 5.68. 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 | $109,957 | $624,899 | $965,069 | 18 | 18 | 5.68 |
| 2016 | $289,758 | $882,139 | $2,166,692 | 30 | 30 | 3.04 |
| 2017 | $250,116 | $764,522 | $1,735,095 | 43 | 41 | 3.06 |
| 2018 | $211,565 | $766,492 | $1,346,662 | 64 | 64 | 3.62 |
| 2019 | $220,506 | $614,233 | $1,141,643 | 64 | 64 | 2.79 |
| 2020 | $112,076 | $178,472 | $796,510 | 85 | 85 | 1.59 |
| 2021 | $151,189 | $372,301 | $718,143 | 40 | 40 | 2.46 |
| 2022 | $214,380 | $371,078 | $1,255,691 | 136 | 136 | 1.73 |
| 2023 | $187,793 | $466,438 | $1,406,149 | 175 | 175 | 2.48 |
| 2024 | $148,353 | $283,260 | $1,101,507 | 113 | 113 | 1.91 |
Commodities insured in Garrard 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.
Burley Tobacco 10 years filed
- 1.35Low end of the filed band
- 2.65Middle of the filed band
- 3.71High end of the filed band
- 2015Worst year filed (5.68)
- 10Years filed
- $1,464,826Premium filed
- $4,421,444Indemnity paid
- $8,905,227Liability insured
- 3,249Quantity planted
- 3,290Quantity lost
- 214Policies
- 212Policies with a loss
- 3.02Loss ratio, whole span
Causes that carried the indemnity in Garrard County
- Excess Moisture/Precipitation/Rain $3,404,520 indemnity · 9 years
- Drought $702,755 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $125,437 indemnity · 3 years
- Wind/Excess Wind $105,763 indemnity · 4 years
- Hail $58,570 indemnity · 3 years
- House burn (Pole burn) $18,679 indemnity · 1 years
Pasture,Rangeland,Forage 7 years filed
- 0.97Low end of the filed band
- 1.83Middle of the filed band
- 3.26High end of the filed band
- 2019Worst year filed (3.26)
- 7Years filed
- $430,867Premium filed
- $902,390Indemnity paid
- $3,727,934Liability insured
- 20,361Quantity planted
- 0Quantity lost
- 554Policies
- 554Policies with a loss
- 2.09Loss ratio, whole span
Causes that carried the indemnity in Garrard County
- ARPI/SCO/STAX/MP Crops Only $902,390 indemnity · 7 years
Every county-crop the agency files in Kentucky → Buy the Garrard 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.