Crop-loss band · Michigan
Ottawa County, Michigan — crop-loss band
- 1.03Low end of the filed band
- 1.88Middle of the filed band
- 2.68High end of the filed band
- 2019Worst year filed (3.04)
- 10Years filed
Every year the Risk Management Agency has filed for Ottawa 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 1.03 at the low end to 2.68 at the high end, with 1.88 in the middle. The worst year filed is 2019, at 3.04. 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 | $1,949,611 | $3,074,760 | $8,023,925 | 99 | 99 | 1.58 |
| 2016 | $488,413 | $504,029 | $1,504,367 | 35 | 35 | 1.03 |
| 2017 | $1,441,125 | $2,061,400 | $5,924,299 | 86 | 86 | 1.43 |
| 2018 | $1,175,315 | $1,844,268 | $6,930,828 | 152 | 152 | 1.57 |
| 2019 | $1,308,060 | $3,978,965 | $5,595,449 | 274 | 274 | 3.04 |
| 2020 | $949,125 | $1,995,910 | $7,343,378 | 168 | 168 | 2.10 |
| 2021 | $2,690,944 | $7,214,533 | $14,598,021 | 90 | 90 | 2.68 |
| 2022 | $1,041,432 | $1,961,734 | $8,348,835 | 79 | 79 | 1.88 |
| 2023 | $1,017,612 | $2,166,833 | $6,250,455 | 70 | 70 | 2.13 |
| 2024 | $5,057,277 | $11,174,337 | $17,238,830 | 105 | 105 | 2.21 |
Commodities insured in Ottawa County
4 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
- 0.98Low end of the filed band
- 1.60Middle of the filed band
- 2.17High end of the filed band
- 2021Worst year filed (2.76)
- 10Years filed
- $13,388,659Premium filed
- $26,307,403Indemnity paid
- $43,065,975Liability insured
- 5,700Quantity planted
- 5,730Quantity lost
- 241Policies
- 241Policies with a loss
- 1.96Loss ratio, whole span
Causes that carried the indemnity in Ottawa County
- Freeze $9,231,187 indemnity · 8 years
- Frost $6,689,822 indemnity · 7 years
- Hail $5,349,281 indemnity · 7 years
- Cold Wet Weather $2,607,770 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $1,284,978 indemnity · 4 years
- Other (Snow, Lightning, Etc.) $443,784 indemnity · 2 years
Corn 10 years filed
- 0.89Low end of the filed band
- 1.59Middle of the filed band
- 3.67High end of the filed band
- 2019Worst year filed (4.31)
- 10Years filed
- $1,701,046Premium filed
- $3,978,976Indemnity paid
- $15,111,889Liability insured
- 35,915Quantity planted
- 32,834Quantity lost
- 461Policies
- 461Policies with a loss
- 2.34Loss ratio, whole span
Causes that carried the indemnity in Ottawa County
- Excess Moisture/Precipitation/Rain $2,263,897 indemnity · 8 years
- Drought $1,008,736 indemnity · 9 years
- Cold Wet Weather $265,859 indemnity · 5 years
- Decline in Price $249,602 indemnity · 9 years
- Heat $53,126 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $36,020 indemnity · 5 years
Blueberries 9 years filed
- 2.80Low end of the filed band
- 4.87Middle of the filed band
- 30.11High end of the filed band
- 2017Worst year filed (30.11)
- 9Years filed
- $821,299Premium filed
- $3,094,930Indemnity paid
- $12,862,010Liability insured
- 3,569Quantity planted
- 3,569Quantity lost
- 85Policies
- 85Policies with a loss
- 3.77Loss ratio, whole span
Causes that carried the indemnity in Ottawa County
- Freeze $844,223 indemnity · 4 years
- Frost $769,304 indemnity · 5 years
- Heat $668,413 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $348,611 indemnity · 4 years
- Hail $179,885 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $124,705 indemnity · 2 years
Soybeans 10 years filed
- 0.56Low end of the filed band
- 1.76Middle of the filed band
- 2.72High end of the filed band
- 2019Worst year filed (4.38)
- 10Years filed
- $1,207,909Premium filed
- $2,595,460Indemnity paid
- $10,718,513Liability insured
- 30,153Quantity planted
- 26,853Quantity lost
- 371Policies
- 371Policies with a loss
- 2.15Loss ratio, whole span
Causes that carried the indemnity in Ottawa County
- Excess Moisture/Precipitation/Rain $1,266,233 indemnity · 10 years
- Drought $712,474 indemnity · 9 years
- Decline in Price $332,884 indemnity · 7 years
- Cold Wet Weather $151,705 indemnity · 3 years
- Other (Snow, Lightning, Etc.) $55,248 indemnity · 2 years
- Heat $37,619 indemnity · 4 years
Every county-crop the agency files in Michigan → Buy the Ottawa 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.