Crop-loss band · Maryland
St. Mary's County, Maryland — crop-loss band
- 0.82Low end of the filed band
- 1.65Middle of the filed band
- 2.25High end of the filed band
- 2019Worst year filed (2.32)
- 10Years filed
Every year the Risk Management Agency has filed for St. Mary's 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 0.82 at the low end to 2.25 at the high end, with 1.65 in the middle. The worst year filed is 2019, at 2.32. 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 | $74,759 | $141,112 | $364,276 | 41 | 41 | 1.89 |
| 2016 | $509,568 | $522,743 | $2,574,521 | 80 | 80 | 1.03 |
| 2017 | $27,124 | $30,706 | $160,684 | 19 | 19 | 1.13 |
| 2018 | $91,962 | $207,267 | $626,193 | 47 | 47 | 2.25 |
| 2019 | $281,045 | $652,393 | $2,057,526 | 70 | 70 | 2.32 |
| 2020 | $11,285 | $9,213 | $84,307 | 12 | 12 | 0.82 |
| 2021 | $27,506 | $34,907 | $173,889 | 7 | 7 | 1.27 |
| 2022 | $84,974 | $173,992 | $571,102 | 18 | 18 | 2.05 |
| 2023 | $137,797 | $295,516 | $1,002,591 | 28 | 28 | 2.14 |
| 2024 | $491,642 | $811,850 | $3,320,782 | 61 | 61 | 1.65 |
Commodities insured in St. Mary's 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.
Soybeans 10 years filed
- 0.84Low end of the filed band
- 1.50Middle of the filed band
- 2.25High end of the filed band
- 2019Worst year filed (2.33)
- 10Years filed
- $1,035,277Premium filed
- $1,973,461Indemnity paid
- $7,041,945Liability insured
- 25,398Quantity planted
- 25,288Quantity lost
- 283Policies
- 283Policies with a loss
- 1.91Loss ratio, whole span
Causes that carried the indemnity in St. Mary's County
- Drought $1,339,958 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $220,786 indemnity · 9 years
- Wildlife $183,131 indemnity · 9 years
- Heat $154,159 indemnity · 6 years
- Decline in Price $62,780 indemnity · 7 years
- Insects $8,476 indemnity · 4 years
Corn 8 years filed
- 0.80Low end of the filed band
- 1.04Middle of the filed band
- 2.56High end of the filed band
- 2015Worst year filed (2.56)
- 8Years filed
- $702,385Premium filed
- $906,238Indemnity paid
- $3,893,926Liability insured
- 9,062Quantity planted
- 9,069Quantity lost
- 100Policies
- 100Policies with a loss
- 1.29Loss ratio, whole span
Causes that carried the indemnity in St. Mary's County
- Drought $618,912 indemnity · 6 years
- Heat $133,149 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $99,611 indemnity · 5 years
- Wildlife $41,528 indemnity · 5 years
- Decline in Price $10,764 indemnity · 6 years
- Cold Wet Weather $1,641 indemnity · 2 years
Every county-crop the agency files in Maryland → Buy the St. Mary's 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.