Crop-loss band · Michigan
Ogemaw County, Michigan — crop-loss band
- 1.16Low end of the filed band
- 1.81Middle of the filed band
- 2.30High end of the filed band
- 2019Worst year filed (2.31)
- 10Years filed
Every year the Risk Management Agency has filed for Ogemaw 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 1.16 at the low end to 2.30 at the high end, with 1.81 in the middle. The worst year filed is 2019, at 2.31. 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 | $129,638 | $265,024 | $574,358 | 35 | 35 | 2.04 |
| 2016 | $118,833 | $137,916 | $607,512 | 26 | 26 | 1.16 |
| 2017 | $93,328 | $201,959 | $555,037 | 21 | 21 | 2.16 |
| 2018 | $97,642 | $176,500 | $635,779 | 22 | 22 | 1.81 |
| 2019 | $247,169 | $571,858 | $1,247,127 | 74 | 74 | 2.31 |
| 2020 | $232,025 | $533,181 | $1,494,897 | 47 | 47 | 2.30 |
| 2021 | $34,899 | $60,052 | $216,645 | 12 | 12 | 1.72 |
| 2022 | $159,337 | $357,062 | $920,730 | 29 | 29 | 2.24 |
| 2023 | $204,478 | $264,722 | $1,153,996 | 29 | 29 | 1.29 |
| 2024 | $207,865 | $310,408 | $1,299,074 | 35 | 35 | 1.49 |
Commodities insured in Ogemaw 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.
Wheat 10 years filed
- 0.82Low end of the filed band
- 2.39Middle of the filed band
- 3.17High end of the filed band
- 2015Worst year filed (4.22)
- 10Years filed
- $467,802Premium filed
- $1,090,929Indemnity paid
- $2,704,919Liability insured
- 10,665Quantity planted
- 10,670Quantity lost
- 102Policies
- 102Policies with a loss
- 2.33Loss ratio, whole span
Causes that carried the indemnity in Ogemaw County
- Excess Moisture/Precipitation/Rain $706,345 indemnity · 8 years
- Drought $152,084 indemnity · 5 years
- Cold Wet Weather $65,084 indemnity · 4 years
- Decline in Price $64,156 indemnity · 3 years
- Falling Numbers $47,991 indemnity · 1 years
- Cold Winter $34,421 indemnity · 4 years
Corn 10 years filed
- 0.56Low end of the filed band
- 1.12Middle of the filed band
- 1.91High end of the filed band
- 2019Worst year filed (2.25)
- 10Years filed
- $726,192Premium filed
- $1,020,147Indemnity paid
- $3,570,734Liability insured
- 9,223Quantity planted
- 9,261Quantity lost
- 131Policies
- 131Policies with a loss
- 1.40Loss ratio, whole span
Causes that carried the indemnity in Ogemaw County
- Excess Moisture/Precipitation/Rain $603,512 indemnity · 9 years
- Drought $317,029 indemnity · 7 years
- Decline in Price $31,969 indemnity · 4 years
- Hail $24,149 indemnity · 2 years
- Other (Snow, Lightning, Etc.) $21,639 indemnity · 4 years
- Wildlife $13,715 indemnity · 6 years
Soybeans 10 years filed
- 0.92Low end of the filed band
- 2.34Middle of the filed band
- 2.72High end of the filed band
- 2017Worst year filed (4.72)
- 10Years filed
- $331,220Premium filed
- $767,606Indemnity paid
- $2,429,502Liability insured
- 7,859Quantity planted
- 7,866Quantity lost
- 97Policies
- 97Policies with a loss
- 2.32Loss ratio, whole span
Causes that carried the indemnity in Ogemaw County
- Drought $369,108 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $306,629 indemnity · 9 years
- Decline in Price $36,683 indemnity · 6 years
- Wildlife $18,766 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $14,383 indemnity · 1 years
- Cold Wet Weather $13,938 indemnity · 2 years
Every county-crop the agency files in Michigan → Buy the Ogemaw 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.