Crop-loss band · Michigan
Cass County, Michigan — crop-loss band
- 1.20Low end of the filed band
- 2.06Middle of the filed band
- 2.52High end of the filed band
- 2019Worst year filed (3.33)
- 10Years filed
Every year the Risk Management Agency has filed for Cass 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 1.20 at the low end to 2.52 at the high end, with 2.06 in the middle. The worst year filed is 2019, at 3.33. 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 | $298,574 | $629,116 | $2,523,246 | 46 | 46 | 2.11 |
| 2016 | $457,413 | $831,859 | $4,474,607 | 80 | 80 | 1.82 |
| 2017 | $525,087 | $954,743 | $5,701,440 | 62 | 62 | 1.82 |
| 2018 | $750,025 | $1,541,854 | $6,488,948 | 98 | 98 | 2.06 |
| 2019 | $436,648 | $1,455,052 | $3,917,955 | 136 | 136 | 3.33 |
| 2020 | $501,604 | $1,265,208 | $4,081,666 | 76 | 76 | 2.52 |
| 2021 | $183,700 | $363,349 | $984,872 | 35 | 35 | 1.98 |
| 2022 | $590,608 | $706,616 | $7,703,817 | 60 | 60 | 1.20 |
| 2023 | $760,510 | $1,759,817 | $6,819,170 | 115 | 115 | 2.31 |
| 2024 | $1,088,662 | $2,501,691 | $11,981,771 | 188 | 188 | 2.30 |
Commodities insured in Cass 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
- 0.55Low end of the filed band
- 2.13Middle of the filed band
- 3.00High end of the filed band
- 2019Worst year filed (3.69)
- 10Years filed
- $2,696,579Premium filed
- $5,673,693Indemnity paid
- $29,971,246Liability insured
- 53,656Quantity planted
- 51,974Quantity lost
- 401Policies
- 401Policies with a loss
- 2.10Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Excess Moisture/Precipitation/Rain $2,029,959 indemnity · 10 years
- Drought $1,452,219 indemnity · 9 years
- Decline in Price $1,130,799 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $595,094 indemnity · 4 years
- Heat $265,214 indemnity · 7 years
- Cold Wet Weather $115,450 indemnity · 5 years
Soybeans 10 years filed
- 1.35Low end of the filed band
- 2.06Middle of the filed band
- 2.81High end of the filed band
- 2019Worst year filed (3.65)
- 10Years filed
- $1,929,120Premium filed
- $4,448,839Indemnity paid
- $21,107,072Liability insured
- 46,940Quantity planted
- 42,714Quantity lost
- 450Policies
- 450Policies with a loss
- 2.31Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Drought $1,838,497 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,196,840 indemnity · 10 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $734,913 indemnity · 4 years
- Decline in Price $385,577 indemnity · 10 years
- Heat $120,016 indemnity · 7 years
- Cold Wet Weather $54,687 indemnity · 6 years
Apples 9 years filed
- 0.57Low end of the filed band
- 1.76Middle of the filed band
- 3.11High end of the filed band
- 2020Worst year filed (3.11)
- 9Years filed
- $967,132Premium filed
- $1,886,773Indemnity paid
- $3,599,174Liability insured
- 551Quantity planted
- 562Quantity lost
- 45Policies
- 45Policies with a loss
- 1.95Loss ratio, whole span
Causes that carried the indemnity in Cass County
- Freeze $1,002,100 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $237,415 indemnity · 2 years
- Hail $200,739 indemnity · 2 years
- Frost $196,422 indemnity · 4 years
- Cold Wet Weather $123,417 indemnity · 2 years
- All Other Causes $68,265 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the Cass 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.