Crop-loss band · Kentucky
Hart County, Kentucky — crop-loss band
- 2.43Low end of the filed band
- 3.11Middle of the filed band
- 5.30High end of the filed band
- 2016Worst year filed (5.97)
- 10Years filed
Every year the Risk Management Agency has filed for Hart 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 2.43 at the low end to 5.30 at the high end, with 3.11 in the middle. The worst year filed is 2016, at 5.97. 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 | $184,030 | $864,679 | $2,216,553 | 64 | 64 | 4.70 |
| 2016 | $333,290 | $1,990,292 | $3,619,259 | 85 | 83 | 5.97 |
| 2017 | $603,964 | $3,199,371 | $5,430,720 | 123 | 123 | 5.30 |
| 2018 | $438,283 | $1,293,422 | $3,613,789 | 73 | 73 | 2.95 |
| 2019 | $503,983 | $1,922,841 | $3,894,838 | 71 | 71 | 3.82 |
| 2020 | $676,848 | $2,416,082 | $3,490,172 | 86 | 86 | 3.57 |
| 2021 | $739,550 | $2,056,085 | $3,829,388 | 75 | 74 | 2.78 |
| 2022 | $574,037 | $1,784,595 | $5,000,606 | 44 | 44 | 3.11 |
| 2023 | $450,922 | $1,097,067 | $3,630,307 | 71 | 71 | 2.43 |
| 2024 | $588,879 | $1,659,545 | $5,451,346 | 96 | 96 | 2.82 |
Commodities insured in Hart 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.
Burley Tobacco 10 years filed
- 2.54Low end of the filed band
- 3.31Middle of the filed band
- 6.68High end of the filed band
- 2015Worst year filed (6.90)
- 10Years filed
- $3,335,053Premium filed
- $13,568,677Indemnity paid
- $21,540,149Liability insured
- 7,499Quantity planted
- 7,568Quantity lost
- 486Policies
- 483Policies with a loss
- 4.07Loss ratio, whole span
Causes that carried the indemnity in Hart County
- Excess Moisture/Precipitation/Rain $9,553,844 indemnity · 10 years
- Drought $1,875,726 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $795,103 indemnity · 3 years
- Plant Disease $484,782 indemnity · 5 years
- Heat $440,730 indemnity · 6 years
- Wind/Excess Wind $198,316 indemnity · 5 years
Soybeans 10 years filed
- 1.23Low end of the filed band
- 2.05Middle of the filed band
- 2.99High end of the filed band
- 2019Worst year filed (3.46)
- 10Years filed
- $1,092,749Premium filed
- $2,781,067Indemnity paid
- $12,725,087Liability insured
- 29,394Quantity planted
- 27,543Quantity lost
- 212Policies
- 212Policies with a loss
- 2.55Loss ratio, whole span
Causes that carried the indemnity in Hart County
- Drought $1,604,054 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $705,946 indemnity · 10 years
- Decline in Price $276,359 indemnity · 5 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $76,184 indemnity · 2 years
- Heat $40,096 indemnity · 2 years
- Insects $39,188 indemnity · 2 years
Corn 10 years filed
- 0.20Low end of the filed band
- 2.88Middle of the filed band
- 5.07High end of the filed band
- 2015Worst year filed (7.87)
- 10Years filed
- $665,984Premium filed
- $1,934,235Indemnity paid
- $5,911,742Liability insured
- 8,373Quantity planted
- 7,794Quantity lost
- 90Policies
- 90Policies with a loss
- 2.90Loss ratio, whole span
Causes that carried the indemnity in Hart County
- Drought $1,441,464 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $233,996 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $206,810 indemnity · 2 years
- Flood $26,364 indemnity · 2 years
- Decline in Price $14,279 indemnity · 4 years
- Wildlife $4,483 indemnity · 1 years
Every county-crop the agency files in Kentucky → Buy the Hart 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.