Crop-loss band · Michigan
Montcalm County, Michigan — crop-loss band
- 1.67Low end of the filed band
- 1.91Middle of the filed band
- 2.25High end of the filed band
- 2022Worst year filed (2.62)
- 10Years filed
Every year the Risk Management Agency has filed for Montcalm 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 1.67 at the low end to 2.25 at the high end, with 1.91 in the middle. The worst year filed is 2022, at 2.62. 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 | $313,845 | $573,486 | $1,605,137 | 67 | 67 | 1.83 |
| 2016 | $228,899 | $381,324 | $1,385,359 | 77 | 75 | 1.67 |
| 2017 | $869,540 | $1,652,601 | $5,473,129 | 171 | 171 | 1.90 |
| 2018 | $544,404 | $1,074,393 | $3,751,960 | 118 | 118 | 1.97 |
| 2019 | $1,061,893 | $2,391,017 | $7,502,858 | 264 | 263 | 2.25 |
| 2020 | $501,235 | $959,267 | $4,135,100 | 134 | 134 | 1.91 |
| 2021 | $495,658 | $1,084,806 | $3,824,471 | 86 | 86 | 2.19 |
| 2022 | $356,548 | $934,092 | $2,352,054 | 80 | 80 | 2.62 |
| 2023 | $1,410,825 | $3,058,073 | $10,114,330 | 186 | 186 | 2.17 |
| 2024 | $475,059 | $818,060 | $2,889,089 | 99 | 99 | 1.72 |
Commodities insured in Montcalm County
5 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
- 1.45Low end of the filed band
- 1.78Middle of the filed band
- 2.45High end of the filed band
- 2021Worst year filed (2.50)
- 10Years filed
- $2,592,450Premium filed
- $5,193,469Indemnity paid
- $19,494,446Liability insured
- 38,574Quantity planted
- 41,913Quantity lost
- 476Policies
- 475Policies with a loss
- 2.00Loss ratio, whole span
Causes that carried the indemnity in Montcalm County
- Drought $2,257,441 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $1,381,147 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $662,588 indemnity · 4 years
- Heat $225,624 indemnity · 8 years
- Cold Wet Weather $176,017 indemnity · 2 years
- Hot Wind $164,850 indemnity · 2 years
Soybeans 10 years filed
- 1.29Low end of the filed band
- 2.21Middle of the filed band
- 2.63High end of the filed band
- 2016Worst year filed (3.38)
- 10Years filed
- $1,572,451Premium filed
- $3,377,233Indemnity paid
- $10,135,118Liability insured
- 30,863Quantity planted
- 30,425Quantity lost
- 415Policies
- 415Policies with a loss
- 2.15Loss ratio, whole span
Causes that carried the indemnity in Montcalm County
- Drought $1,927,002 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $833,811 indemnity · 10 years
- Decline in Price $163,067 indemnity · 7 years
- Wildlife $124,722 indemnity · 9 years
- Heat $117,887 indemnity · 5 years
- Hail $74,408 indemnity · 1 years
Apples 9 years filed
- 0.19Low end of the filed band
- 1.80Middle of the filed band
- 3.29High end of the filed band
- 2023Worst year filed (3.29)
- 9Years filed
- $753,654Premium filed
- $1,800,434Indemnity paid
- $2,964,624Liability insured
- 676Quantity planted
- 679Quantity lost
- 44Policies
- 44Policies with a loss
- 2.39Loss ratio, whole span
Causes that carried the indemnity in Montcalm County
- Hail $694,183 indemnity · 4 years
- Frost $543,098 indemnity · 6 years
- Freeze $359,322 indemnity · 4 years
- Cold Wet Weather $94,640 indemnity · 1 years
- Other (Snow, Lightning, Etc.) $40,108 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $33,231 indemnity · 1 years
Wheat 10 years filed
- 1.15Low end of the filed band
- 2.27Middle of the filed band
- 4.21High end of the filed band
- 2022Worst year filed (5.76)
- 10Years filed
- $759,317Premium filed
- $1,396,704Indemnity paid
- $6,535,450Liability insured
- 23,222Quantity planted
- 23,245Quantity lost
- 228Policies
- 228Policies with a loss
- 1.84Loss ratio, whole span
Causes that carried the indemnity in Montcalm County
- Excess Moisture/Precipitation/Rain $630,576 indemnity · 9 years
- Drought $256,654 indemnity · 8 years
- Cold Winter $141,953 indemnity · 6 years
- Falling Numbers $109,854 indemnity · 3 years
- Cold Wet Weather $101,513 indemnity · 5 years
- Hot Wind $51,699 indemnity · 1 years
Dry Beans 10 years filed
- 0.99Low end of the filed band
- 1.43Middle of the filed band
- 3.97High end of the filed band
- 2022Worst year filed (4.40)
- 10Years filed
- $580,034Premium filed
- $1,159,279Indemnity paid
- $3,903,849Liability insured
- 8,572Quantity planted
- 8,424Quantity lost
- 119Policies
- 117Policies with a loss
- 2.00Loss ratio, whole span
Causes that carried the indemnity in Montcalm County
- Excess Moisture/Precipitation/Rain $785,788 indemnity · 9 years
- Drought $159,465 indemnity · 8 years
- Plant Disease $98,341 indemnity · 1 years
- Wildlife $32,178 indemnity · 5 years
- Cold Wet Weather $31,250 indemnity · 1 years
- Decline in Price $18,796 indemnity · 2 years
Every county-crop the agency files in Michigan → Buy the Montcalm 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.