Crop-loss band · Michigan
Alpena County, Michigan — crop-loss band
- 1.35Low end of the filed band
- 1.91Middle of the filed band
- 2.89High end of the filed band
- 2015Worst year filed (3.01)
- 10Years filed
Every year the Risk Management Agency has filed for Alpena 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 1.35 at the low end to 2.89 at the high end, with 1.91 in the middle. The worst year filed is 2015, at 3.01. 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 | $109,317 | $328,813 | $519,869 | 30 | 30 | 3.01 |
| 2016 | $222,202 | $424,055 | $1,234,607 | 42 | 42 | 1.91 |
| 2017 | $25,265 | $72,777 | $137,383 | 12 | 12 | 2.88 |
| 2018 | $139,217 | $402,206 | $864,583 | 35 | 35 | 2.89 |
| 2019 | $231,913 | $614,800 | $1,106,406 | 41 | 41 | 2.65 |
| 2020 | $47,028 | $92,649 | $241,058 | 10 | 10 | 1.97 |
| 2021 | $63,348 | $96,911 | $409,129 | 13 | 13 | 1.53 |
| 2022 | $83,317 | $112,148 | $782,116 | 14 | 14 | 1.35 |
| 2023 | $194,380 | $300,391 | $1,346,816 | 27 | 27 | 1.55 |
| 2024 | $250,517 | $467,280 | $2,086,056 | 42 | 42 | 1.87 |
Commodities insured in Alpena County
4 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
- 1.14Low end of the filed band
- 2.05Middle of the filed band
- 3.95High end of the filed band
- 2015Worst year filed (4.64)
- 10Years filed
- $423,605Premium filed
- $936,033Indemnity paid
- $4,154,102Liability insured
- 13,623Quantity planted
- 12,256Quantity lost
- 99Policies
- 99Policies with a loss
- 2.21Loss ratio, whole span
Causes that carried the indemnity in Alpena County
- Excess Moisture/Precipitation/Rain $401,383 indemnity · 8 years
- Drought $300,784 indemnity · 7 years
- Decline in Price $143,589 indemnity · 5 years
- ARPI/SCO/STAX/MP Crops Only $64,072 indemnity · 3 years
- Cold Wet Weather $16,092 indemnity · 1 years
- Heat $7,193 indemnity · 2 years
Dry Beans 9 years filed
- 0.09Low end of the filed band
- 1.78Middle of the filed band
- 3.92High end of the filed band
- 2018Worst year filed (3.92)
- 9Years filed
- $361,533Premium filed
- $723,506Indemnity paid
- $1,492,246Liability insured
- 4,639Quantity planted
- 4,931Quantity lost
- 41Policies
- 41Policies with a loss
- 2.00Loss ratio, whole span
Causes that carried the indemnity in Alpena County
- Excess Moisture/Precipitation/Rain $402,224 indemnity · 8 years
- Drought $227,950 indemnity · 5 years
- Heat $66,052 indemnity · 2 years
- Hail $21,150 indemnity · 1 years
- Wildlife $5,055 indemnity · 1 years
- Decline in Price $1,076 indemnity · 1 years
Wheat 10 years filed
- 0.72Low end of the filed band
- 2.15Middle of the filed band
- 3.48High end of the filed band
- 2015Worst year filed (4.13)
- 10Years filed
- $288,806Premium filed
- $659,126Indemnity paid
- $1,605,517Liability insured
- 8,168Quantity planted
- 8,182Quantity lost
- 77Policies
- 77Policies with a loss
- 2.28Loss ratio, whole span
Causes that carried the indemnity in Alpena County
- Excess Moisture/Precipitation/Rain $351,494 indemnity · 7 years
- Drought $146,080 indemnity · 5 years
- Falling Numbers $55,328 indemnity · 1 years
- Decline in Price $43,891 indemnity · 3 years
- Cold Wet Weather $28,074 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $17,719 indemnity · 2 years
Corn 8 years filed
- 1.40Low end of the filed band
- 2.70Middle of the filed band
- 8.56High end of the filed band
- 2017Worst year filed (8.56)
- 8Years filed
- $292,560Premium filed
- $593,365Indemnity paid
- $1,476,158Liability insured
- 3,700Quantity planted
- 3,700Quantity lost
- 49Policies
- 49Policies with a loss
- 2.03Loss ratio, whole span
Causes that carried the indemnity in Alpena County
- Excess Moisture/Precipitation/Rain $289,870 indemnity · 7 years
- Drought $191,937 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $48,480 indemnity · 3 years
- Decline in Price $35,440 indemnity · 4 years
- Cold Wet Weather $17,785 indemnity · 1 years
- Heat $6,335 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the Alpena 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.