Crop-loss band · Michigan
Huron County, Michigan — crop-loss band
- 1.44Low end of the filed band
- 2.85Middle of the filed band
- 4.08High end of the filed band
- 2019Worst year filed (4.48)
- 10Years filed
Every year the Risk Management Agency has filed for Huron 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 1.44 at the low end to 4.08 at the high end, with 2.85 in the middle. The worst year filed is 2019, at 4.48. 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 | $588,429 | $846,634 | $5,644,029 | 177 | 177 | 1.44 |
| 2016 | $913,169 | $2,727,861 | $13,254,418 | 289 | 289 | 2.99 |
| 2017 | $929,344 | $2,428,517 | $13,391,756 | 362 | 362 | 2.61 |
| 2018 | $1,067,812 | $4,190,338 | $19,458,481 | 257 | 256 | 3.92 |
| 2019 | $1,196,391 | $5,358,872 | $14,729,329 | 440 | 440 | 4.48 |
| 2020 | $878,283 | $2,700,525 | $17,996,634 | 276 | 276 | 3.07 |
| 2021 | $656,500 | $1,873,020 | $14,642,218 | 208 | 207 | 2.85 |
| 2022 | $1,735,898 | $3,861,757 | $25,289,465 | 337 | 337 | 2.22 |
| 2023 | $1,556,050 | $3,860,545 | $16,458,019 | 303 | 303 | 2.48 |
| 2024 | $1,390,140 | $5,677,779 | $29,263,551 | 336 | 336 | 4.08 |
Commodities insured in Huron County
5 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.
Sugar Beets 10 years filed
- 3.10Low end of the filed band
- 4.17Middle of the filed band
- 7.00High end of the filed band
- 2024Worst year filed (7.04)
- 10Years filed
- $1,887,208Premium filed
- $9,676,564Indemnity paid
- $68,563,400Liability insured
- 54,243Quantity planted
- 48,288Quantity lost
- 458Policies
- 457Policies with a loss
- 5.13Loss ratio, whole span
Causes that carried the indemnity in Huron County
- Drought $5,724,626 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,661,300 indemnity · 9 years
- Freeze $687,819 indemnity · 3 years
- Other (Snow, Lightning, Etc.) $426,064 indemnity · 3 years
- Frost $375,039 indemnity · 4 years
- Cold Wet Weather $202,011 indemnity · 6 years
Corn 10 years filed
- 1.47Low end of the filed band
- 2.59Middle of the filed band
- 5.38High end of the filed band
- 2015Worst year filed (5.78)
- 10Years filed
- $2,446,797Premium filed
- $7,588,084Indemnity paid
- $32,815,493Liability insured
- 49,772Quantity planted
- 50,156Quantity lost
- 413Policies
- 413Policies with a loss
- 3.10Loss ratio, whole span
Causes that carried the indemnity in Huron County
- Drought $4,077,061 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,587,202 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $849,400 indemnity · 6 years
- Decline in Price $523,332 indemnity · 6 years
- Wind/Excess Wind $119,176 indemnity · 3 years
- Plant Disease $101,777 indemnity · 2 years
Dry Beans 10 years filed
- 0.96Low end of the filed band
- 2.00Middle of the filed band
- 3.69High end of the filed band
- 2019Worst year filed (3.87)
- 10Years filed
- $3,397,330Premium filed
- $6,910,619Indemnity paid
- $36,787,306Liability insured
- 66,321Quantity planted
- 56,893Quantity lost
- 899Policies
- 899Policies with a loss
- 2.03Loss ratio, whole span
Causes that carried the indemnity in Huron County
- Excess Moisture/Precipitation/Rain $4,308,474 indemnity · 10 years
- Drought $1,900,064 indemnity · 9 years
- Wind/Excess Wind $269,425 indemnity · 5 years
- Decline in Price $176,970 indemnity · 8 years
- Hail $62,920 indemnity · 2 years
- Cold Wet Weather $38,405 indemnity · 5 years
Wheat 10 years filed
- 1.59Low end of the filed band
- 3.17Middle of the filed band
- 5.02High end of the filed band
- 2015Worst year filed (6.59)
- 10Years filed
- $1,898,208Premium filed
- $5,432,476Indemnity paid
- $16,652,229Liability insured
- 43,834Quantity planted
- 43,834Quantity lost
- 696Policies
- 695Policies with a loss
- 2.86Loss ratio, whole span
Causes that carried the indemnity in Huron County
- Excess Moisture/Precipitation/Rain $2,015,519 indemnity · 10 years
- Cold Wet Weather $964,929 indemnity · 8 years
- Drought $886,510 indemnity · 6 years
- Falling Numbers $620,121 indemnity · 5 years
- Cold Winter $473,346 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $185,181 indemnity · 3 years
Soybeans 10 years filed
- 1.11Low end of the filed band
- 2.63Middle of the filed band
- 4.12High end of the filed band
- 2019Worst year filed (4.14)
- 10Years filed
- $1,282,473Premium filed
- $3,918,105Indemnity paid
- $15,309,472Liability insured
- 36,214Quantity planted
- 34,029Quantity lost
- 519Policies
- 519Policies with a loss
- 3.06Loss ratio, whole span
Causes that carried the indemnity in Huron County
- Drought $1,872,349 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,303,183 indemnity · 10 years
- Hail $152,593 indemnity · 2 years
- ARPI/SCO/STAX/MP Crops Only $147,880 indemnity · 4 years
- Decline in Price $130,408 indemnity · 6 years
- Plant Disease $60,681 indemnity · 5 years
Every county-crop the agency files in Michigan → Buy the Huron 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.