Crop-loss band · Michigan
Kalamazoo County, Michigan — crop-loss band
- 1.25Low end of the filed band
- 1.89Middle of the filed band
- 2.27High end of the filed band
- 2019Worst year filed (3.28)
- 10Years filed
Every year the Risk Management Agency has filed for Kalamazoo 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 1.25 at the low end to 2.27 at the high end, with 1.89 in the middle. The worst year filed is 2019, at 3.28. 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 | $141,080 | $268,537 | $1,179,611 | 44 | 44 | 1.90 |
| 2016 | $160,268 | $321,390 | $1,494,674 | 26 | 26 | 2.01 |
| 2017 | $428,976 | $655,733 | $3,789,875 | 85 | 83 | 1.53 |
| 2018 | $304,945 | $615,763 | $3,780,257 | 66 | 66 | 2.02 |
| 2019 | $389,762 | $1,277,679 | $3,673,728 | 138 | 138 | 3.28 |
| 2020 | $477,699 | $755,685 | $6,341,190 | 90 | 90 | 1.58 |
| 2021 | $215,448 | $269,730 | $2,247,152 | 40 | 40 | 1.25 |
| 2022 | $146,024 | $275,834 | $1,764,935 | 31 | 31 | 1.89 |
| 2023 | $893,099 | $2,030,783 | $11,347,173 | 114 | 114 | 2.27 |
| 2024 | $281,100 | $403,694 | $3,368,693 | 69 | 69 | 1.44 |
Commodities insured in Kalamazoo 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.
Corn 10 years filed
- 1.14Low end of the filed band
- 2.30Middle of the filed band
- 2.90High end of the filed band
- 2022Worst year filed (3.40)
- 10Years filed
- $1,849,550Premium filed
- $4,066,774Indemnity paid
- $22,243,888Liability insured
- 38,299Quantity planted
- 33,349Quantity lost
- 310Policies
- 308Policies with a loss
- 2.20Loss ratio, whole span
Causes that carried the indemnity in Kalamazoo County
- Excess Moisture/Precipitation/Rain $1,170,656 indemnity · 8 years
- Drought $985,924 indemnity · 9 years
- Mycotoxin $687,629 indemnity · 2 years
- Decline in Price $639,804 indemnity · 8 years
- ARPI/SCO/STAX/MP Crops Only $301,599 indemnity · 5 years
- Heat $112,957 indemnity · 5 years
Soybeans 10 years filed
- 0.74Low end of the filed band
- 1.52Middle of the filed band
- 1.90High end of the filed band
- 2019Worst year filed (3.80)
- 10Years filed
- $1,588,851Premium filed
- $2,808,054Indemnity paid
- $16,743,400Liability insured
- 40,975Quantity planted
- 35,105Quantity lost
- 393Policies
- 393Policies with a loss
- 1.77Loss ratio, whole span
Causes that carried the indemnity in Kalamazoo County
- Drought $1,047,795 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $910,179 indemnity · 8 years
- Heat $240,993 indemnity · 6 years
- Decline in Price $199,818 indemnity · 8 years
- Cold Wet Weather $138,337 indemnity · 5 years
- Wildlife $92,142 indemnity · 8 years
Every county-crop the agency files in Michigan → Buy the Kalamazoo 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.