Crop-loss band · Michigan
Isabella County, Michigan — crop-loss band
- 1.53Low end of the filed band
- 2.00Middle of the filed band
- 2.30High end of the filed band
- 2019Worst year filed (2.55)
- 10Years filed
Every year the Risk Management Agency has filed for Isabella 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 1.53 at the low end to 2.30 at the high end, with 2.00 in the middle. The worst year filed is 2019, at 2.55. 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 | $1,038,115 | $1,589,796 | $6,998,287 | 213 | 213 | 1.53 |
| 2016 | $489,644 | $1,018,532 | $3,147,625 | 172 | 171 | 2.08 |
| 2017 | $1,178,528 | $2,193,506 | $7,554,101 | 237 | 237 | 1.86 |
| 2018 | $1,365,145 | $2,650,181 | $9,573,604 | 242 | 242 | 1.94 |
| 2019 | $1,955,073 | $4,994,370 | $12,914,265 | 393 | 393 | 2.55 |
| 2020 | $1,745,559 | $3,436,704 | $13,619,682 | 325 | 325 | 1.97 |
| 2021 | $613,958 | $1,411,171 | $4,162,163 | 124 | 124 | 2.30 |
| 2022 | $1,308,880 | $2,999,251 | $8,854,752 | 214 | 214 | 2.29 |
| 2023 | $1,936,580 | $3,882,694 | $14,605,324 | 266 | 266 | 2.00 |
| 2024 | $819,586 | $1,840,839 | $4,844,738 | 154 | 154 | 2.25 |
Commodities insured in Isabella 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.
Soybeans 10 years filed
- 1.19Low end of the filed band
- 1.69Middle of the filed band
- 2.30High end of the filed band
- 2019Worst year filed (2.44)
- 10Years filed
- $7,353,395Premium filed
- $13,209,382Indemnity paid
- $50,151,427Liability insured
- 140,883Quantity planted
- 130,647Quantity lost
- 1,039Policies
- 1,039Policies with a loss
- 1.80Loss ratio, whole span
Causes that carried the indemnity in Isabella County
- Drought $7,014,903 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $4,419,740 indemnity · 10 years
- Wildlife $591,318 indemnity · 10 years
- Decline in Price $512,640 indemnity · 8 years
- Plant Disease $149,240 indemnity · 1 years
- ARPI/SCO/STAX/MP Crops Only $145,753 indemnity · 4 years
Corn 10 years filed
- 1.57Low end of the filed band
- 2.28Middle of the filed band
- 3.45High end of the filed band
- 2022Worst year filed (4.08)
- 10Years filed
- $3,442,096Premium filed
- $8,455,778Indemnity paid
- $25,149,223Liability insured
- 52,266Quantity planted
- 51,568Quantity lost
- 701Policies
- 701Policies with a loss
- 2.46Loss ratio, whole span
Causes that carried the indemnity in Isabella County
- Drought $3,564,659 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $3,360,699 indemnity · 10 years
- Decline in Price $521,467 indemnity · 7 years
- Wildlife $469,686 indemnity · 10 years
- ARPI/SCO/STAX Crops Only $183,730 indemnity · 5 years
- Cold Wet Weather $100,767 indemnity · 4 years
Wheat 10 years filed
- 1.72Low end of the filed band
- 2.80Middle of the filed band
- 4.09High end of the filed band
- 2015Worst year filed (4.39)
- 10Years filed
- $1,191,484Premium filed
- $3,221,590Indemnity paid
- $8,584,984Liability insured
- 33,193Quantity planted
- 33,397Quantity lost
- 476Policies
- 475Policies with a loss
- 2.70Loss ratio, whole span
Causes that carried the indemnity in Isabella County
- Excess Moisture/Precipitation/Rain $1,937,612 indemnity · 10 years
- Drought $439,364 indemnity · 8 years
- Cold Wet Weather $373,595 indemnity · 7 years
- Cold Winter $245,424 indemnity · 7 years
- Decline in Price $118,256 indemnity · 8 years
- Falling Numbers $35,694 indemnity · 2 years
Dry Beans 10 years filed
- 1.31Low end of the filed band
- 2.41Middle of the filed band
- 3.13High end of the filed band
- 2023Worst year filed (3.84)
- 10Years filed
- $464,093Premium filed
- $1,130,294Indemnity paid
- $2,388,907Liability insured
- 6,575Quantity planted
- 6,746Quantity lost
- 124Policies
- 124Policies with a loss
- 2.44Loss ratio, whole span
Causes that carried the indemnity in Isabella County
- Excess Moisture/Precipitation/Rain $848,435 indemnity · 9 years
- Drought $265,553 indemnity · 8 years
- Decline in Price $10,409 indemnity · 3 years
- Wildlife $3,822 indemnity · 3 years
- Heat $2,076 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the Isabella 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.