Crop-loss band · Michigan
Clinton County, Michigan — crop-loss band
- 1.60Low end of the filed band
- 2.06Middle of the filed band
- 2.79High end of the filed band
- 2019Worst year filed (5.88)
- 10Years filed
Every year the Risk Management Agency has filed for Clinton 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 1.60 at the low end to 2.79 at the high end, with 2.06 in the middle. The worst year filed is 2019, at 5.88. 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 | $184,729 | $515,780 | $2,470,629 | 60 | 60 | 2.79 |
| 2016 | $463,206 | $1,285,164 | $5,683,076 | 83 | 82 | 2.77 |
| 2017 | $1,521,173 | $2,771,860 | $17,622,489 | 210 | 210 | 1.82 |
| 2018 | $1,233,814 | $2,273,708 | $15,651,979 | 166 | 164 | 1.84 |
| 2019 | $2,120,394 | $12,466,601 | $20,465,201 | 443 | 443 | 5.88 |
| 2020 | $719,815 | $1,154,544 | $9,618,586 | 173 | 173 | 1.60 |
| 2021 | $588,079 | $1,105,023 | $6,294,011 | 101 | 101 | 1.88 |
| 2022 | $806,937 | $1,949,064 | $7,883,122 | 183 | 182 | 2.42 |
| 2023 | $3,545,476 | $7,297,864 | $33,511,936 | 455 | 454 | 2.06 |
| 2024 | $1,061,138 | $2,234,196 | $14,637,135 | 211 | 211 | 2.11 |
Commodities insured in Clinton 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.
Corn 10 years filed
- 1.44Low end of the filed band
- 2.18Middle of the filed band
- 4.13High end of the filed band
- 2019Worst year filed (7.09)
- 10Years filed
- $5,536,354Premium filed
- $17,613,981Indemnity paid
- $61,937,133Liability insured
- 121,342Quantity planted
- 116,944Quantity lost
- 722Policies
- 719Policies with a loss
- 3.18Loss ratio, whole span
Causes that carried the indemnity in Clinton County
- Excess Moisture/Precipitation/Rain $9,193,978 indemnity · 10 years
- Drought $3,494,107 indemnity · 9 years
- Mycotoxin $1,594,391 indemnity · 3 years
- Decline in Price $1,195,001 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $1,115,379 indemnity · 3 years
- Heat $415,654 indemnity · 6 years
Soybeans 10 years filed
- 0.92Low end of the filed band
- 1.85Middle of the filed band
- 3.54High end of the filed band
- 2019Worst year filed (5.77)
- 10Years filed
- $4,910,217Premium filed
- $11,192,562Indemnity paid
- $57,224,434Liability insured
- 121,072Quantity planted
- 118,726Quantity lost
- 893Policies
- 892Policies with a loss
- 2.28Loss ratio, whole span
Causes that carried the indemnity in Clinton County
- Excess Moisture/Precipitation/Rain $4,269,698 indemnity · 10 years
- Drought $2,861,185 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $2,086,386 indemnity · 5 years
- Decline in Price $837,727 indemnity · 8 years
- Heat $449,183 indemnity · 9 years
- Hot Wind $228,285 indemnity · 3 years
Wheat 10 years filed
- 1.42Low end of the filed band
- 2.93Middle of the filed band
- 3.90High end of the filed band
- 2021Worst year filed (3.96)
- 10Years filed
- $1,423,638Premium filed
- $3,511,620Indemnity paid
- $11,674,061Liability insured
- 34,593Quantity planted
- 34,630Quantity lost
- 451Policies
- 450Policies with a loss
- 2.47Loss ratio, whole span
Causes that carried the indemnity in Clinton County
- Excess Moisture/Precipitation/Rain $1,914,316 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $378,160 indemnity · 4 years
- Drought $258,142 indemnity · 7 years
- Cold Wet Weather $240,224 indemnity · 10 years
- Decline in Price $239,279 indemnity · 9 years
- Falling Numbers $208,637 indemnity · 3 years
All Other Crops 9 years filed
- 0.57Low end of the filed band
- 2.02Middle of the filed band
- 4.14High end of the filed band
- 2024Worst year filed (4.14)
- 9Years filed
- $374,552Premium filed
- $735,641Indemnity paid
- $3,002,536Liability insured
- 1,971Quantity planted
- 1,971Quantity lost
- 19Policies
- 19Policies with a loss
- 1.96Loss ratio, whole span
Causes that carried the indemnity in Clinton County
- Drought $306,025 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $165,112 indemnity · 3 years
- Freeze $111,367 indemnity · 2 years
- Insects $44,408 indemnity · 1 years
- Other (Snow, Lightning, Etc.) $44,147 indemnity · 1 years
- Frost $33,367 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the Clinton 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.