Crop-loss band · Michigan
Allegan County, Michigan — crop-loss band
- 0.95Low end of the filed band
- 1.51Middle of the filed band
- 2.46High end of the filed band
- 2019Worst year filed (3.71)
- 10Years filed
Every year the Risk Management Agency has filed for Allegan 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 0.95 at the low end to 2.46 at the high end, with 1.51 in the middle. The worst year filed is 2019, at 3.71. 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 | $1,658,803 | $2,497,396 | $13,133,828 | 147 | 147 | 1.51 |
| 2016 | $182,593 | $272,108 | $1,211,785 | 43 | 41 | 1.49 |
| 2017 | $672,124 | $638,011 | $5,141,043 | 57 | 57 | 0.95 |
| 2018 | $1,742,215 | $3,419,064 | $16,227,910 | 195 | 195 | 1.96 |
| 2019 | $2,000,215 | $7,415,812 | $13,607,914 | 246 | 246 | 3.71 |
| 2020 | $720,038 | $957,471 | $6,678,427 | 99 | 99 | 1.33 |
| 2021 | $723,177 | $997,600 | $6,133,697 | 74 | 74 | 1.38 |
| 2022 | $427,583 | $1,053,268 | $2,993,684 | 49 | 49 | 2.46 |
| 2023 | $1,305,297 | $1,974,745 | $11,871,423 | 94 | 94 | 1.51 |
| 2024 | $500,757 | $802,274 | $4,990,497 | 63 | 63 | 1.60 |
Commodities insured in Allegan 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 10 years filed
- 0.46Low end of the filed band
- 1.54Middle of the filed band
- 3.03High end of the filed band
- 2019Worst year filed (4.08)
- 10Years filed
- $6,030,631Premium filed
- $13,222,561Indemnity paid
- $49,045,918Liability insured
- 97,815Quantity planted
- 88,416Quantity lost
- 558Policies
- 558Policies with a loss
- 2.19Loss ratio, whole span
Causes that carried the indemnity in Allegan County
- Excess Moisture/Precipitation/Rain $8,912,595 indemnity · 10 years
- Drought $1,323,367 indemnity · 9 years
- ARPI/SCO/STAX Crops Only $1,114,771 indemnity · 6 years
- Decline in Price $780,058 indemnity · 8 years
- Cold Wet Weather $682,886 indemnity · 5 years
- Heat $195,594 indemnity · 6 years
Soybeans 10 years filed
- 1.00Low end of the filed band
- 1.38Middle of the filed band
- 2.04High end of the filed band
- 2019Worst year filed (2.92)
- 10Years filed
- $3,902,171Premium filed
- $6,805,188Indemnity paid
- $32,944,290Liability insured
- 81,971Quantity planted
- 71,814Quantity lost
- 509Policies
- 507Policies with a loss
- 1.74Loss ratio, whole span
Causes that carried the indemnity in Allegan County
- Excess Moisture/Precipitation/Rain $3,082,358 indemnity · 10 years
- Drought $2,453,618 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $385,995 indemnity · 4 years
- Heat $373,515 indemnity · 7 years
- Decline in Price $159,959 indemnity · 9 years
- Cold Wet Weather $137,951 indemnity · 6 years
Every county-crop the agency files in Michigan → Buy the Allegan 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.