Crop-loss band · Michigan
Macomb County, Michigan — crop-loss band
- 1.29Low end of the filed band
- 2.32Middle of the filed band
- 5.12High end of the filed band
- 2019Worst year filed (6.13)
- 10Years filed
Every year the Risk Management Agency has filed for Macomb 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 1.29 at the low end to 5.12 at the high end, with 2.32 in the middle. The worst year filed is 2019, at 6.13. 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 | $364,438 | $1,866,028 | $2,716,487 | 114 | 114 | 5.12 |
| 2016 | $42,629 | $54,867 | $375,062 | 13 | 13 | 1.29 |
| 2017 | $380,049 | $881,124 | $3,544,281 | 91 | 91 | 2.32 |
| 2018 | $225,510 | $441,477 | $2,103,973 | 30 | 30 | 1.96 |
| 2019 | $692,414 | $4,245,328 | $5,247,127 | 178 | 178 | 6.13 |
| 2020 | $166,495 | $544,623 | $1,877,978 | 63 | 63 | 3.27 |
| 2021 | $366,653 | $729,981 | $3,273,709 | 59 | 59 | 1.99 |
| 2022 | $860,915 | $2,302,353 | $5,597,013 | 106 | 106 | 2.67 |
| 2023 | $727,647 | $1,296,337 | $5,894,661 | 108 | 108 | 1.78 |
| 2024 | $706,436 | $2,211,570 | $5,233,888 | 143 | 143 | 3.13 |
Commodities insured in Macomb 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.
Soybeans 10 years filed
- 1.08Low end of the filed band
- 1.82Middle of the filed band
- 5.29High end of the filed band
- 2019Worst year filed (6.84)
- 10Years filed
- $2,730,082Premium filed
- $8,698,342Indemnity paid
- $21,678,130Liability insured
- 68,412Quantity planted
- 65,098Quantity lost
- 560Policies
- 560Policies with a loss
- 3.19Loss ratio, whole span
Causes that carried the indemnity in Macomb County
- Excess Moisture/Precipitation/Rain $6,954,351 indemnity · 10 years
- Drought $1,173,312 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $301,152 indemnity · 5 years
- Cold Wet Weather $83,002 indemnity · 5 years
- Decline in Price $81,482 indemnity · 7 years
- Heat $32,121 indemnity · 3 years
Corn 10 years filed
- 1.52Low end of the filed band
- 2.80Middle of the filed band
- 4.95High end of the filed band
- 2019Worst year filed (5.33)
- 10Years filed
- $1,316,226Premium filed
- $4,857,045Indemnity paid
- $10,177,158Liability insured
- 22,579Quantity planted
- 21,699Quantity lost
- 322Policies
- 322Policies with a loss
- 3.69Loss ratio, whole span
Causes that carried the indemnity in Macomb County
- Excess Moisture/Precipitation/Rain $3,872,887 indemnity · 10 years
- Drought $444,631 indemnity · 8 years
- Heat $182,101 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $168,089 indemnity · 3 years
- Decline in Price $100,655 indemnity · 5 years
- Cold Wet Weather $79,484 indemnity · 4 years
All Other Crops 9 years filed
- 0.30Low end of the filed band
- 1.99Middle of the filed band
- 8.31High end of the filed band
- 2019Worst year filed (8.31)
- 9Years filed
- $486,878Premium filed
- $1,018,301Indemnity paid
- $4,008,891Liability insured
- 77Quantity planted
- 77Quantity lost
- 23Policies
- 23Policies with a loss
- 2.09Loss ratio, whole span
Causes that carried the indemnity in Macomb County
- Excess Moisture/Precipitation/Rain $437,149 indemnity · 8 years
- Hail $385,844 indemnity · 2 years
- Freeze $173,839 indemnity · 4 years
- Plant Disease $21,469 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the Macomb 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.