Crop-loss band · Michigan
Clare County, Michigan — crop-loss band
- 1.74Low end of the filed band
- 2.21Middle of the filed band
- 3.41High end of the filed band
- 2019Worst year filed (4.47)
- 10Years filed
Every year the Risk Management Agency has filed for Clare 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 1.74 at the low end to 3.41 at the high end, with 2.21 in the middle. The worst year filed is 2019, at 4.47. 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 | $123,428 | $246,852 | $897,842 | 29 | 29 | 2.00 |
| 2016 | $46,745 | $159,345 | $285,521 | 23 | 23 | 3.41 |
| 2017 | $47,168 | $141,683 | $286,153 | 17 | 17 | 3.00 |
| 2018 | $66,762 | $142,688 | $471,592 | 24 | 24 | 2.14 |
| 2019 | $159,447 | $713,338 | $1,100,284 | 48 | 48 | 4.47 |
| 2020 | $59,093 | $128,282 | $393,313 | 18 | 18 | 2.17 |
| 2021 | $55,347 | $96,546 | $420,845 | 10 | 10 | 1.74 |
| 2022 | $175,521 | $394,625 | $1,544,581 | 27 | 27 | 2.25 |
| 2023 | $159,260 | $373,528 | $1,208,329 | 31 | 31 | 2.35 |
| 2024 | $98,108 | $216,626 | $546,673 | 17 | 17 | 2.21 |
Commodities insured in Clare 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.
Soybeans 10 years filed
- 0.78Low end of the filed band
- 2.45Middle of the filed band
- 3.31High end of the filed band
- 2019Worst year filed (4.84)
- 10Years filed
- $567,589Premium filed
- $1,344,702Indemnity paid
- $4,410,157Liability insured
- 15,814Quantity planted
- 15,216Quantity lost
- 148Policies
- 148Policies with a loss
- 2.37Loss ratio, whole span
Causes that carried the indemnity in Clare County
- Drought $742,173 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $465,976 indemnity · 10 years
- Wildlife $70,215 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $22,872 indemnity · 1 years
- Decline in Price $21,605 indemnity · 4 years
- Wind/Excess Wind $8,326 indemnity · 1 years
Corn 10 years filed
- 1.16Low end of the filed band
- 2.61Middle of the filed band
- 4.30High end of the filed band
- 2021Worst year filed (5.81)
- 10Years filed
- $423,290Premium filed
- $1,268,811Indemnity paid
- $2,744,976Liability insured
- 8,940Quantity planted
- 8,442Quantity lost
- 96Policies
- 96Policies with a loss
- 3.00Loss ratio, whole span
Causes that carried the indemnity in Clare County
- Excess Moisture/Precipitation/Rain $611,825 indemnity · 6 years
- Drought $421,103 indemnity · 7 years
- Wildlife $176,222 indemnity · 5 years
- Decline in Price $33,540 indemnity · 6 years
- Cold Wet Weather $16,536 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $6,762 indemnity · 2 years
Every county-crop the agency files in Michigan → Buy the Clare 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.