Crop-loss band · Michigan
Gladwin County, Michigan — crop-loss band
- 1.79Low end of the filed band
- 2.60Middle of the filed band
- 3.66High end of the filed band
- 2020Worst year filed (3.83)
- 10Years filed
Every year the Risk Management Agency has filed for Gladwin 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 1.79 at the low end to 3.66 at the high end, with 2.60 in the middle. The worst year filed is 2020, at 3.83. 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 | $174,954 | $313,506 | $1,192,256 | 49 | 49 | 1.79 |
| 2016 | $70,252 | $145,287 | $443,248 | 20 | 20 | 2.07 |
| 2017 | $89,131 | $315,542 | $562,899 | 21 | 21 | 3.54 |
| 2018 | $111,393 | $290,000 | $846,207 | 40 | 40 | 2.60 |
| 2019 | $227,923 | $778,361 | $1,684,795 | 56 | 56 | 3.42 |
| 2020 | $83,637 | $319,922 | $677,850 | 35 | 35 | 3.83 |
| 2021 | $21,200 | $77,558 | $144,307 | 10 | 10 | 3.66 |
| 2022 | $183,491 | $492,131 | $1,067,100 | 46 | 46 | 2.68 |
| 2023 | $264,049 | $555,159 | $2,022,409 | 47 | 47 | 2.10 |
| 2024 | $208,997 | $421,509 | $2,103,344 | 35 | 35 | 2.02 |
Commodities insured in Gladwin 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
- 1.88Low end of the filed band
- 2.29Middle of the filed band
- 3.45High end of the filed band
- 2019Worst year filed (3.92)
- 10Years filed
- $801,791Premium filed
- $1,979,101Indemnity paid
- $6,253,706Liability insured
- 16,975Quantity planted
- 18,268Quantity lost
- 208Policies
- 208Policies with a loss
- 2.47Loss ratio, whole span
Causes that carried the indemnity in Gladwin County
- Drought $854,679 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $717,138 indemnity · 10 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $226,357 indemnity · 3 years
- Plant Disease $46,653 indemnity · 2 years
- Decline in Price $41,279 indemnity · 5 years
- Wildlife $36,682 indemnity · 5 years
Corn 10 years filed
- 1.68Low end of the filed band
- 3.05Middle of the filed band
- 4.30High end of the filed band
- 2020Worst year filed (5.01)
- 10Years filed
- $633,236Premium filed
- $1,729,874Indemnity paid
- $4,490,709Liability insured
- 9,255Quantity planted
- 9,845Quantity lost
- 151Policies
- 151Policies with a loss
- 2.73Loss ratio, whole span
Causes that carried the indemnity in Gladwin County
- Excess Moisture/Precipitation/Rain $964,304 indemnity · 10 years
- Drought $435,247 indemnity · 7 years
- Cold Wet Weather $176,973 indemnity · 4 years
- Decline in Price $74,031 indemnity · 4 years
- Wildlife $37,714 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $35,014 indemnity · 3 years
Every county-crop the agency files in Michigan → Buy the Gladwin 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.