Crop-loss band · Michigan
Muskegon County, Michigan — crop-loss band
- 1.26Low end of the filed band
- 1.65Middle of the filed band
- 2.49High end of the filed band
- 2022Worst year filed (2.50)
- 10Years filed
Every year the Risk Management Agency has filed for Muskegon 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 1.26 at the low end to 2.49 at the high end, with 1.65 in the middle. The worst year filed is 2022, at 2.50. 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 | $876,154 | $1,393,753 | $3,273,409 | 41 | 41 | 1.59 |
| 2016 | $586,909 | $967,220 | $1,508,342 | 19 | 19 | 1.65 |
| 2017 | $2,707,197 | $3,789,946 | $7,252,408 | 49 | 49 | 1.40 |
| 2018 | $752,256 | $1,286,653 | $3,211,125 | 58 | 58 | 1.71 |
| 2019 | $1,150,920 | $2,704,525 | $4,287,081 | 107 | 107 | 2.35 |
| 2020 | $326,548 | $812,625 | $1,265,425 | 28 | 28 | 2.49 |
| 2021 | $1,520,823 | $3,492,715 | $6,131,877 | 44 | 44 | 2.30 |
| 2022 | $87,960 | $220,152 | $410,838 | 15 | 15 | 2.50 |
| 2023 | $965,815 | $1,575,735 | $4,172,875 | 49 | 49 | 1.63 |
| 2024 | $900,490 | $1,137,360 | $3,366,479 | 40 | 40 | 1.26 |
Commodities insured in Muskegon 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.
Apples 10 years filed
- 1.18Low end of the filed band
- 1.61Middle of the filed band
- 2.52High end of the filed band
- 2022Worst year filed (2.97)
- 10Years filed
- $8,685,325Premium filed
- $14,188,093Indemnity paid
- $25,249,564Liability insured
- 4,499Quantity planted
- 4,524Quantity lost
- 154Policies
- 154Policies with a loss
- 1.63Loss ratio, whole span
Causes that carried the indemnity in Muskegon County
- Freeze $5,696,259 indemnity · 8 years
- Frost $3,342,484 indemnity · 8 years
- Hail $1,400,652 indemnity · 4 years
- Cold Wet Weather $1,301,714 indemnity · 3 years
- Plant Disease $782,318 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $656,821 indemnity · 1 years
Corn 10 years filed
- 0.87Low end of the filed band
- 2.38Middle of the filed band
- 3.37High end of the filed band
- 2019Worst year filed (4.94)
- 10Years filed
- $780,849Premium filed
- $2,112,935Indemnity paid
- $6,305,485Liability insured
- 16,494Quantity planted
- 16,233Quantity lost
- 169Policies
- 169Policies with a loss
- 2.71Loss ratio, whole span
Causes that carried the indemnity in Muskegon County
- Excess Moisture/Precipitation/Rain $926,786 indemnity · 10 years
- Drought $647,914 indemnity · 8 years
- Cold Wet Weather $293,760 indemnity · 3 years
- Other (Snow, Lightning, Etc.) $49,990 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $44,113 indemnity · 2 years
- Heat $42,525 indemnity · 2 years
Soybeans 10 years filed
- 0.59Low end of the filed band
- 1.89Middle of the filed band
- 2.62High end of the filed band
- 2019Worst year filed (4.74)
- 10Years filed
- $408,898Premium filed
- $1,079,656Indemnity paid
- $3,324,810Liability insured
- 10,451Quantity planted
- 10,727Quantity lost
- 127Policies
- 127Policies with a loss
- 2.64Loss ratio, whole span
Causes that carried the indemnity in Muskegon County
- Drought $396,216 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $356,568 indemnity · 7 years
- Cold Wet Weather $263,653 indemnity · 2 years
- Decline in Price $32,159 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $14,967 indemnity · 2 years
- Hot Wind $8,772 indemnity · 2 years
Every county-crop the agency files in Michigan → Buy the Muskegon 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.