Crop-loss band · Michigan
Lenawee County, Michigan — crop-loss band
- 0.79Low end of the filed band
- 1.58Middle of the filed band
- 2.36High end of the filed band
- 2019Worst year filed (4.88)
- 10Years filed
Every year the Risk Management Agency has filed for Lenawee 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 0.79 at the low end to 2.36 at the high end, with 1.58 in the middle. The worst year filed is 2019, at 4.88. 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 | $2,097,381 | $4,941,352 | $21,333,260 | 408 | 408 | 2.36 |
| 2016 | $1,240,271 | $975,942 | $12,828,491 | 150 | 150 | 0.79 |
| 2017 | $1,448,239 | $1,755,222 | $13,796,520 | 218 | 218 | 1.21 |
| 2018 | $2,273,690 | $3,602,409 | $21,921,491 | 301 | 300 | 1.58 |
| 2019 | $6,197,266 | $30,254,573 | $39,435,145 | 922 | 922 | 4.88 |
| 2020 | $3,548,184 | $3,742,785 | $39,046,425 | 546 | 546 | 1.05 |
| 2021 | $543,813 | $743,467 | $5,621,498 | 87 | 86 | 1.37 |
| 2022 | $1,924,058 | $4,043,692 | $20,219,836 | 304 | 304 | 2.10 |
| 2023 | $3,159,039 | $5,131,180 | $30,344,237 | 342 | 342 | 1.62 |
| 2024 | $4,871,756 | $9,073,452 | $46,102,526 | 658 | 658 | 1.86 |
Commodities insured in Lenawee 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
- 0.43Low end of the filed band
- 1.46Middle of the filed band
- 4.14High end of the filed band
- 2019Worst year filed (4.44)
- 10Years filed
- $13,816,133Premium filed
- $31,677,834Indemnity paid
- $111,401,949Liability insured
- 203,033Quantity planted
- 188,332Quantity lost
- 1,447Policies
- 1,447Policies with a loss
- 2.29Loss ratio, whole span
Causes that carried the indemnity in Lenawee County
- Excess Moisture/Precipitation/Rain $20,389,147 indemnity · 10 years
- Drought $3,854,024 indemnity · 9 years
- ARPI/SCO/STAX Crops Only $2,566,439 indemnity · 6 years
- Cold Wet Weather $1,890,524 indemnity · 9 years
- Decline in Price $1,231,739 indemnity · 10 years
- Mycotoxin $829,681 indemnity · 3 years
Soybeans 10 years filed
- 0.94Low end of the filed band
- 1.14Middle of the filed band
- 2.61High end of the filed band
- 2019Worst year filed (6.79)
- 10Years filed
- $10,170,002Premium filed
- $23,704,987Indemnity paid
- $107,108,262Liability insured
- 247,228Quantity planted
- 215,872Quantity lost
- 1,619Policies
- 1,617Policies with a loss
- 2.33Loss ratio, whole span
Causes that carried the indemnity in Lenawee County
- Excess Moisture/Precipitation/Rain $12,439,466 indemnity · 10 years
- Drought $6,122,703 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $1,904,296 indemnity · 2 years
- Decline in Price $1,301,867 indemnity · 9 years
- Cold Wet Weather $1,258,162 indemnity · 9 years
- Heat $489,521 indemnity · 8 years
Wheat 10 years filed
- 0.50Low end of the filed band
- 1.92Middle of the filed band
- 4.05High end of the filed band
- 2017Worst year filed (4.58)
- 10Years filed
- $2,725,673Premium filed
- $7,465,860Indemnity paid
- $25,671,154Liability insured
- 69,104Quantity planted
- 69,131Quantity lost
- 851Policies
- 851Policies with a loss
- 2.74Loss ratio, whole span
Causes that carried the indemnity in Lenawee County
- Excess Moisture/Precipitation/Rain $3,249,615 indemnity · 8 years
- Cold Wet Weather $1,495,676 indemnity · 9 years
- Mycotoxin $1,017,636 indemnity · 2 years
- ARPI/SCO/STAX Crops Only $635,674 indemnity · 4 years
- Decline in Price $376,241 indemnity · 9 years
- Cold Winter $261,294 indemnity · 3 years
All Other Crops 9 years filed
- 0.80Low end of the filed band
- 2.08Middle of the filed band
- 35.19High end of the filed band
- 2019Worst year filed (35.19)
- 9Years filed
- $591,888Premium filed
- $1,415,393Indemnity paid
- $6,468,064Liability insured
- 1,058Quantity planted
- 970Quantity lost
- 19Policies
- 19Policies with a loss
- 2.39Loss ratio, whole span
Causes that carried the indemnity in Lenawee County
- Drought $626,028 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $460,645 indemnity · 7 years
- Plant Disease $215,402 indemnity · 1 years
- Hail $44,952 indemnity · 1 years
- Frost $41,549 indemnity · 2 years
- Cold Wet Weather $15,475 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the Lenawee 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.