Crop-loss band · Michigan
Livingston County, Michigan — crop-loss band
- 1.17Low end of the filed band
- 2.05Middle of the filed band
- 2.87High end of the filed band
- 2019Worst year filed (4.60)
- 10Years filed
Every year the Risk Management Agency has filed for Livingston 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 1.17 at the low end to 2.87 at the high end, with 2.05 in the middle. The worst year filed is 2019, at 4.60. 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 | $146,583 | $420,179 | $1,441,784 | 50 | 50 | 2.87 |
| 2016 | $274,248 | $560,480 | $2,361,203 | 61 | 61 | 2.04 |
| 2017 | $318,540 | $757,123 | $2,848,521 | 69 | 67 | 2.38 |
| 2018 | $737,471 | $1,513,445 | $7,285,526 | 98 | 98 | 2.05 |
| 2019 | $629,545 | $2,895,751 | $4,559,517 | 154 | 154 | 4.60 |
| 2020 | $503,136 | $589,035 | $5,412,039 | 56 | 56 | 1.17 |
| 2021 | $202,059 | $344,832 | $1,920,404 | 35 | 35 | 1.71 |
| 2022 | $409,455 | $1,102,778 | $3,730,995 | 70 | 70 | 2.69 |
| 2023 | $699,955 | $1,246,377 | $5,512,705 | 109 | 109 | 1.78 |
| 2024 | $256,734 | $690,363 | $2,914,048 | 72 | 72 | 2.69 |
Commodities insured in Livingston County
3 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
- 1.07Low end of the filed band
- 1.89Middle of the filed band
- 3.70High end of the filed band
- 2019Worst year filed (4.86)
- 10Years filed
- $2,390,751Premium filed
- $5,322,270Indemnity paid
- $20,728,991Liability insured
- 40,461Quantity planted
- 36,664Quantity lost
- 320Policies
- 318Policies with a loss
- 2.23Loss ratio, whole span
Causes that carried the indemnity in Livingston County
- Excess Moisture/Precipitation/Rain $2,525,686 indemnity · 10 years
- Drought $1,720,237 indemnity · 7 years
- Heat $358,478 indemnity · 3 years
- ARPI/SCO/STAX/MP Crops Only $289,210 indemnity · 3 years
- Decline in Price $171,574 indemnity · 6 years
- Cold Wet Weather $107,988 indemnity · 5 years
Soybeans 10 years filed
- 1.44Low end of the filed band
- 2.33Middle of the filed band
- 3.97High end of the filed band
- 2019Worst year filed (4.90)
- 10Years filed
- $1,495,164Premium filed
- $4,013,697Indemnity paid
- $14,560,146Liability insured
- 39,004Quantity planted
- 39,382Quantity lost
- 355Policies
- 355Policies with a loss
- 2.68Loss ratio, whole span
Causes that carried the indemnity in Livingston County
- Excess Moisture/Precipitation/Rain $1,934,254 indemnity · 10 years
- Drought $1,559,610 indemnity · 9 years
- Decline in Price $148,208 indemnity · 6 years
- Cold Wet Weather $121,692 indemnity · 3 years
- Heat $86,988 indemnity · 4 years
- Hot Wind $53,583 indemnity · 2 years
Wheat 10 years filed
- 1.14Low end of the filed band
- 2.61Middle of the filed band
- 3.19High end of the filed band
- 2017Worst year filed (4.99)
- 10Years filed
- $291,811Premium filed
- $784,396Indemnity paid
- $2,697,605Liability insured
- 9,712Quantity planted
- 9,711Quantity lost
- 99Policies
- 99Policies with a loss
- 2.69Loss ratio, whole span
Causes that carried the indemnity in Livingston County
- Excess Moisture/Precipitation/Rain $531,698 indemnity · 8 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $66,237 indemnity · 3 years
- Drought $63,135 indemnity · 4 years
- Cold Wet Weather $54,928 indemnity · 5 years
- Decline in Price $23,191 indemnity · 4 years
- Falling Numbers $20,138 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the Livingston 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.