Crop-loss band · Michigan
Berrien County, Michigan — crop-loss band
- 1.28Low end of the filed band
- 1.61Middle of the filed band
- 2.50High end of the filed band
- 2019Worst year filed (2.66)
- 10Years filed
Every year the Risk Management Agency has filed for Berrien 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 1.28 at the low end to 2.50 at the high end, with 1.61 in the middle. The worst year filed is 2019, at 2.66. 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 | $1,321,600 | $2,068,012 | $5,691,600 | 138 | 137 | 1.56 |
| 2016 | $1,129,264 | $1,822,985 | $5,097,777 | 105 | 105 | 1.61 |
| 2017 | $2,048,846 | $4,033,288 | $10,126,705 | 187 | 187 | 1.97 |
| 2018 | $2,300,298 | $3,998,102 | $16,552,531 | 195 | 195 | 1.74 |
| 2019 | $3,579,054 | $9,511,430 | $21,893,586 | 385 | 384 | 2.66 |
| 2020 | $3,230,879 | $6,195,476 | $22,246,440 | 263 | 263 | 1.92 |
| 2021 | $3,625,386 | $5,179,946 | $22,995,083 | 222 | 222 | 1.43 |
| 2022 | $1,424,514 | $1,819,776 | $6,740,983 | 107 | 107 | 1.28 |
| 2023 | $2,068,389 | $3,328,937 | $14,470,233 | 190 | 190 | 1.61 |
| 2024 | $5,310,671 | $13,270,669 | $29,219,057 | 404 | 404 | 2.50 |
Commodities insured in Berrien County
7 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.
Apples 10 years filed
- 0.79Low end of the filed band
- 1.31Middle of the filed band
- 2.02High end of the filed band
- 2020Worst year filed (2.07)
- 10Years filed
- $10,158,009Premium filed
- $15,154,698Indemnity paid
- $25,520,924Liability insured
- 5,836Quantity planted
- 5,809Quantity lost
- 338Policies
- 338Policies with a loss
- 1.49Loss ratio, whole span
Causes that carried the indemnity in Berrien County
- Freeze $8,043,924 indemnity · 10 years
- Frost $3,079,924 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,313,653 indemnity · 6 years
- Hail $711,927 indemnity · 5 years
- Cold Wet Weather $702,536 indemnity · 4 years
- Cold Winter $655,037 indemnity · 3 years
Grapes 10 years filed
- 1.73Low end of the filed band
- 2.19Middle of the filed band
- 3.69High end of the filed band
- 2022Worst year filed (4.23)
- 10Years filed
- $3,069,596Premium filed
- $9,224,118Indemnity paid
- $15,910,233Liability insured
- 11,255Quantity planted
- 11,543Quantity lost
- 414Policies
- 413Policies with a loss
- 3.01Loss ratio, whole span
Causes that carried the indemnity in Berrien County
- Freeze $4,047,903 indemnity · 10 years
- Frost $2,354,651 indemnity · 8 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $1,313,576 indemnity · 2 years
- Cold Winter $698,051 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $453,575 indemnity · 6 years
- Cold Wet Weather $258,103 indemnity · 5 years
Corn 10 years filed
- 1.02Low end of the filed band
- 1.82Middle of the filed band
- 3.10High end of the filed band
- 2019Worst year filed (4.46)
- 10Years filed
- $3,380,417Premium filed
- $8,478,663Indemnity paid
- $34,751,276Liability insured
- 60,376Quantity planted
- 55,715Quantity lost
- 508Policies
- 507Policies with a loss
- 2.51Loss ratio, whole span
Causes that carried the indemnity in Berrien County
- Excess Moisture/Precipitation/Rain $5,311,632 indemnity · 10 years
- Drought $1,332,223 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $588,249 indemnity · 4 years
- Decline in Price $528,316 indemnity · 8 years
- Cold Wet Weather $467,872 indemnity · 5 years
- Heat $135,848 indemnity · 7 years
Soybeans 10 years filed
- 0.95Low end of the filed band
- 2.01Middle of the filed band
- 3.28High end of the filed band
- 2019Worst year filed (4.46)
- 10Years filed
- $3,157,758Premium filed
- $8,193,354Indemnity paid
- $30,137,899Liability insured
- 72,911Quantity planted
- 70,461Quantity lost
- 621Policies
- 621Policies with a loss
- 2.59Loss ratio, whole span
Causes that carried the indemnity in Berrien County
- Drought $3,428,849 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $3,240,305 indemnity · 10 years
- Decline in Price $468,473 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $373,036 indemnity · 5 years
- Cold Wet Weather $293,097 indemnity · 8 years
- Hot Wind $201,286 indemnity · 2 years
All Other Crops 6 years filed
- 0.42Low end of the filed band
- 1.36Middle of the filed band
- 1.76High end of the filed band
- 2017Worst year filed (1.76)
- 6Years filed
- $4,161,872Premium filed
- $3,941,257Indemnity paid
- $39,341,042Liability insured
- 6Quantity planted
- 0Quantity lost
- 12Policies
- 12Policies with a loss
- 0.95Loss ratio, whole span
Causes that carried the indemnity in Berrien County
- Excess Moisture/Precipitation/Rain $2,460,318 indemnity · 4 years
- Freeze $680,460 indemnity · 1 years
- Heat $546,956 indemnity · 2 years
- Decline in Price $213,234 indemnity · 2 years
- Drought $38,887 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $1,403 indemnity · 1 years
Peaches 9 years filed
- 0.20Low end of the filed band
- 2.08Middle of the filed band
- 3.36High end of the filed band
- 2024Worst year filed (3.36)
- 9Years filed
- $1,452,741Premium filed
- $3,874,551Indemnity paid
- $4,398,752Liability insured
- 2,325Quantity planted
- 2,386Quantity lost
- 216Policies
- 216Policies with a loss
- 2.67Loss ratio, whole span
Causes that carried the indemnity in Berrien County
- Freeze $2,891,342 indemnity · 9 years
- Frost $477,588 indemnity · 6 years
- Cold Winter $321,758 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $81,838 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $38,380 indemnity · 1 years
- Hail $18,432 indemnity · 2 years
Cherries 9 years filed
- 1.28Low end of the filed band
- 3.30Middle of the filed band
- 5.65High end of the filed band
- 2020Worst year filed (5.65)
- 9Years filed
- $658,508Premium filed
- $2,361,980Indemnity paid
- $4,973,869Liability insured
- 2,561Quantity planted
- 2,581Quantity lost
- 87Policies
- 87Policies with a loss
- 3.59Loss ratio, whole span
Causes that carried the indemnity in Berrien County
- Freeze $1,256,903 indemnity · 8 years
- Decline in Price $442,314 indemnity · 5 years
- Cold Wet Weather $188,866 indemnity · 3 years
- Frost $178,238 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $111,186 indemnity · 1 years
- Other (Snow, Lightning, Etc.) $53,858 indemnity · 2 years
Every county-crop the agency files in Michigan → Buy the Berrien 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.