Crop-loss band · Maryland
Frederick County, Maryland — crop-loss band
- 1.53Low end of the filed band
- 2.05Middle of the filed band
- 2.41High end of the filed band
- 2019Worst year filed (2.70)
- 10Years filed
Every year the Risk Management Agency has filed for Frederick 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 1.53 at the low end to 2.41 at the high end, with 2.05 in the middle. The worst year filed is 2019, at 2.70. 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 | $368,586 | $890,030 | $2,142,467 | 112 | 110 | 2.41 |
| 2016 | $941,392 | $1,926,877 | $5,106,689 | 147 | 146 | 2.05 |
| 2017 | $210,748 | $324,515 | $1,079,490 | 41 | 41 | 1.54 |
| 2018 | $845,310 | $1,852,204 | $5,013,219 | 229 | 228 | 2.19 |
| 2019 | $330,701 | $894,049 | $1,881,457 | 78 | 78 | 2.70 |
| 2020 | $1,091,745 | $2,349,576 | $5,916,962 | 148 | 148 | 2.15 |
| 2021 | $303,279 | $546,711 | $1,576,906 | 52 | 51 | 1.80 |
| 2022 | $954,671 | $1,456,919 | $5,302,551 | 89 | 89 | 1.53 |
| 2023 | $3,437,964 | $7,294,870 | $21,504,509 | 274 | 274 | 2.12 |
| 2024 | $2,799,013 | $5,149,335 | $15,571,386 | 347 | 347 | 1.84 |
Commodities insured in Frederick 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
- 1.04Low end of the filed band
- 1.65Middle of the filed band
- 2.02High end of the filed band
- 2021Worst year filed (2.25)
- 10Years filed
- $7,266,631Premium filed
- $13,551,445Indemnity paid
- $37,565,956Liability insured
- 71,761Quantity planted
- 71,207Quantity lost
- 775Policies
- 774Policies with a loss
- 1.86Loss ratio, whole span
Causes that carried the indemnity in Frederick County
- Drought $8,417,342 indemnity · 9 years
- Heat $3,754,051 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $873,512 indemnity · 9 years
- Decline in Price $157,767 indemnity · 6 years
- Hail $137,451 indemnity · 1 years
- Wildlife $124,980 indemnity · 9 years
Soybeans 10 years filed
- 1.13Low end of the filed band
- 2.20Middle of the filed band
- 2.59High end of the filed band
- 2019Worst year filed (2.86)
- 10Years filed
- $3,643,821Premium filed
- $7,694,254Indemnity paid
- $24,170,524Liability insured
- 66,942Quantity planted
- 67,037Quantity lost
- 602Policies
- 602Policies with a loss
- 2.11Loss ratio, whole span
Causes that carried the indemnity in Frederick County
- Drought $4,471,794 indemnity · 8 years
- Heat $1,446,843 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $1,167,584 indemnity · 9 years
- Decline in Price $196,390 indemnity · 6 years
- Wildlife $169,603 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $106,911 indemnity · 2 years
Wheat 10 years filed
- 0.82Low end of the filed band
- 3.70Middle of the filed band
- 5.22High end of the filed band
- 2020Worst year filed (5.96)
- 10Years filed
- $372,957Premium filed
- $1,439,387Indemnity paid
- $3,359,156Liability insured
- 13,719Quantity planted
- 13,719Quantity lost
- 140Policies
- 136Policies with a loss
- 3.86Loss ratio, whole span
Causes that carried the indemnity in Frederick County
- Excess Moisture/Precipitation/Rain $1,028,518 indemnity · 8 years
- Cold Wet Weather $151,626 indemnity · 6 years
- Freeze $83,628 indemnity · 3 years
- Drought $63,147 indemnity · 5 years
- Cold Winter $51,664 indemnity · 4 years
- Decline in Price $26,692 indemnity · 3 years
Every county-crop the agency files in Maryland → Buy the Frederick 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.