Crop-loss band · Michigan
Calhoun County, Michigan — crop-loss band
- 1.49Low end of the filed band
- 1.81Middle of the filed band
- 2.27High end of the filed band
- 2019Worst year filed (2.86)
- 10Years filed
Every year the Risk Management Agency has filed for Calhoun 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 1.49 at the low end to 2.27 at the high end, with 1.81 in the middle. The worst year filed is 2019, at 2.86. 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 | $716,543 | $1,439,374 | $7,723,711 | 144 | 144 | 2.01 |
| 2016 | $1,177,617 | $2,024,989 | $13,359,220 | 179 | 177 | 1.72 |
| 2017 | $3,576,296 | $6,641,434 | $40,010,292 | 401 | 400 | 1.86 |
| 2018 | $2,021,554 | $3,009,300 | $23,372,139 | 301 | 301 | 1.49 |
| 2019 | $2,605,912 | $7,446,078 | $29,541,592 | 503 | 503 | 2.86 |
| 2020 | $1,800,014 | $3,141,510 | $24,728,540 | 313 | 311 | 1.75 |
| 2021 | $536,945 | $963,196 | $5,473,118 | 123 | 123 | 1.79 |
| 2022 | $386,014 | $877,060 | $3,615,328 | 60 | 60 | 2.27 |
| 2023 | $4,301,013 | $7,772,518 | $41,520,874 | 409 | 409 | 1.81 |
| 2024 | $1,776,529 | $3,544,219 | $18,579,528 | 322 | 320 | 2.00 |
Commodities insured in Calhoun 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
- 1.44Low end of the filed band
- 1.95Middle of the filed band
- 2.70High end of the filed band
- 2019Worst year filed (2.80)
- 10Years filed
- $9,774,747Premium filed
- $19,556,961Indemnity paid
- $112,737,908Liability insured
- 180,305Quantity planted
- 190,723Quantity lost
- 1,246Policies
- 1,244Policies with a loss
- 2.00Loss ratio, whole span
Causes that carried the indemnity in Calhoun County
- Excess Moisture/Precipitation/Rain $4,999,559 indemnity · 10 years
- Drought $4,909,937 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $4,027,504 indemnity · 7 years
- Decline in Price $2,084,992 indemnity · 8 years
- Heat $1,443,443 indemnity · 6 years
- Mycotoxin $1,111,978 indemnity · 2 years
Soybeans 10 years filed
- 1.21Low end of the filed band
- 1.74Middle of the filed band
- 2.07High end of the filed band
- 2019Worst year filed (2.96)
- 10Years filed
- $8,811,034Premium filed
- $16,700,969Indemnity paid
- $92,566,908Liability insured
- 221,000Quantity planted
- 223,987Quantity lost
- 1,377Policies
- 1,372Policies with a loss
- 1.90Loss ratio, whole span
Causes that carried the indemnity in Calhoun County
- Drought $6,351,161 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $4,436,901 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $1,899,889 indemnity · 6 years
- Decline in Price $1,392,981 indemnity · 8 years
- Heat $1,363,216 indemnity · 8 years
- Hot Wind $570,783 indemnity · 5 years
Wheat 10 years filed
- 0.89Low end of the filed band
- 2.43Middle of the filed band
- 3.77High end of the filed band
- 2015Worst year filed (3.94)
- 10Years filed
- $312,657Premium filed
- $601,748Indemnity paid
- $2,619,526Liability insured
- 7,811Quantity planted
- 7,835Quantity lost
- 132Policies
- 132Policies with a loss
- 1.92Loss ratio, whole span
Causes that carried the indemnity in Calhoun County
- Excess Moisture/Precipitation/Rain $272,721 indemnity · 8 years
- Drought $113,923 indemnity · 4 years
- Decline in Price $74,711 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $35,149 indemnity · 1 years
- Cold Wet Weather $34,476 indemnity · 3 years
- Plant Disease $15,063 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the Calhoun 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.