Crop-loss band · Michigan
Saginaw County, Michigan — crop-loss band
- 1.77Low end of the filed band
- 2.19Middle of the filed band
- 2.84High end of the filed band
- 2019Worst year filed (4.66)
- 10Years filed
Every year the Risk Management Agency has filed for Saginaw 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 1.77 at the low end to 2.84 at the high end, with 2.19 in the middle. The worst year filed is 2019, at 4.66. 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 | $615,844 | $1,351,377 | $6,254,319 | 269 | 269 | 2.19 |
| 2016 | $326,842 | $627,504 | $3,595,104 | 156 | 156 | 1.92 |
| 2017 | $1,074,395 | $1,896,896 | $12,245,630 | 365 | 365 | 1.77 |
| 2018 | $599,131 | $1,312,649 | $6,810,968 | 242 | 242 | 2.19 |
| 2019 | $3,025,625 | $14,112,522 | $36,265,826 | 1,105 | 1,103 | 4.66 |
| 2020 | $2,228,143 | $4,545,845 | $33,367,451 | 649 | 646 | 2.04 |
| 2021 | $906,826 | $2,579,667 | $12,980,505 | 273 | 273 | 2.84 |
| 2022 | $1,907,392 | $3,990,230 | $23,339,929 | 394 | 394 | 2.09 |
| 2023 | $3,816,312 | $8,598,550 | $44,172,103 | 620 | 620 | 2.25 |
| 2024 | $2,778,886 | $6,791,108 | $33,058,205 | 576 | 576 | 2.44 |
Commodities insured in Saginaw County
7 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
- 1.07Low end of the filed band
- 1.46Middle of the filed band
- 2.46High end of the filed band
- 2019Worst year filed (4.82)
- 10Years filed
- $7,167,475Premium filed
- $16,898,327Indemnity paid
- $77,636,331Liability insured
- 171,360Quantity planted
- 167,238Quantity lost
- 2,038Policies
- 2,035Policies with a loss
- 2.36Loss ratio, whole span
Causes that carried the indemnity in Saginaw County
- Excess Moisture/Precipitation/Rain $8,858,531 indemnity · 10 years
- Drought $4,218,983 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $1,870,808 indemnity · 5 years
- Decline in Price $1,032,590 indemnity · 9 years
- Wildlife $358,477 indemnity · 9 years
- Heat $197,801 indemnity · 5 years
Corn 10 years filed
- 1.44Low end of the filed band
- 1.99Middle of the filed band
- 3.68High end of the filed band
- 2019Worst year filed (4.90)
- 10Years filed
- $6,356,379Premium filed
- $16,506,533Indemnity paid
- $88,747,634Liability insured
- 118,785Quantity planted
- 138,337Quantity lost
- 1,390Policies
- 1,390Policies with a loss
- 2.60Loss ratio, whole span
Causes that carried the indemnity in Saginaw County
- Excess Moisture/Precipitation/Rain $10,238,479 indemnity · 10 years
- Drought $2,346,702 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $1,644,579 indemnity · 6 years
- Decline in Price $956,461 indemnity · 7 years
- Mycotoxin $471,631 indemnity · 2 years
- Cold Wet Weather $281,333 indemnity · 6 years
Sugar Beets 10 years filed
- 3.66Low end of the filed band
- 7.20Middle of the filed band
- 9.26High end of the filed band
- 2016Worst year filed (9.78)
- 10Years filed
- $672,633Premium filed
- $3,783,588Indemnity paid
- $18,478,982Liability insured
- 18,004Quantity planted
- 16,172Quantity lost
- 293Policies
- 293Policies with a loss
- 5.63Loss ratio, whole span
Causes that carried the indemnity in Saginaw County
- Excess Moisture/Precipitation/Rain $2,196,856 indemnity · 10 years
- Drought $835,719 indemnity · 9 years
- Freeze $383,805 indemnity · 2 years
- Frost $78,843 indemnity · 1 years
- Cold Wet Weather $76,768 indemnity · 5 years
- Wind/Excess Wind $62,904 indemnity · 3 years
Wheat 10 years filed
- 1.40Low end of the filed band
- 3.08Middle of the filed band
- 3.54High end of the filed band
- 2015Worst year filed (4.09)
- 10Years filed
- $1,260,714Premium filed
- $3,464,684Indemnity paid
- $10,471,857Liability insured
- 35,036Quantity planted
- 35,047Quantity lost
- 657Policies
- 655Policies with a loss
- 2.75Loss ratio, whole span
Causes that carried the indemnity in Saginaw County
- Excess Moisture/Precipitation/Rain $2,077,986 indemnity · 10 years
- Cold Wet Weather $569,429 indemnity · 10 years
- Drought $253,424 indemnity · 7 years
- Cold Winter $183,441 indemnity · 6 years
- ARPI/SCO/STAX Crops Only $163,708 indemnity · 7 years
- Falling Numbers $115,468 indemnity · 3 years
Dry Beans 10 years filed
- 1.06Low end of the filed band
- 2.60Middle of the filed band
- 3.62High end of the filed band
- 2022Worst year filed (4.10)
- 10Years filed
- $805,481Premium filed
- $2,071,512Indemnity paid
- $7,464,250Liability insured
- 14,853Quantity planted
- 14,528Quantity lost
- 218Policies
- 218Policies with a loss
- 2.57Loss ratio, whole span
Causes that carried the indemnity in Saginaw County
- Excess Moisture/Precipitation/Rain $1,494,253 indemnity · 9 years
- Drought $334,734 indemnity · 9 years
- Hail $132,026 indemnity · 1 years
- Decline in Price $67,335 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $42,286 indemnity · 1 years
- Hot Wind $682 indemnity · 1 years
Cucumbers 10 years filed
- 2.08Low end of the filed band
- 2.97Middle of the filed band
- 7.68High end of the filed band
- 2018Worst year filed (11.56)
- 10Years filed
- $428,601Premium filed
- $1,700,134Indemnity paid
- $6,232,344Liability insured
- 6,891Quantity planted
- 6,730Quantity lost
- 35Policies
- 35Policies with a loss
- 3.97Loss ratio, whole span
Causes that carried the indemnity in Saginaw County
- Excess Moisture/Precipitation/Rain $1,108,310 indemnity · 9 years
- Drought $368,443 indemnity · 4 years
- Heat $192,050 indemnity · 2 years
- Cold Wet Weather $31,331 indemnity · 1 years
All Other Crops 7 years filed
- 0.82Low end of the filed band
- 2.50Middle of the filed band
- 3.81High end of the filed band
- 2021Worst year filed (3.81)
- 7Years filed
- $588,113Premium filed
- $1,381,570Indemnity paid
- $3,058,642Liability insured
- 1,159Quantity planted
- 933Quantity lost
- 18Policies
- 18Policies with a loss
- 2.35Loss ratio, whole span
Causes that carried the indemnity in Saginaw County
- Excess Moisture/Precipitation/Rain $1,274,510 indemnity · 7 years
- Drought $102,327 indemnity · 2 years
- ARPI/SCO/STAX/MP Crops Only $4,733 indemnity · 3 years
Every county-crop the agency files in Michigan → Buy the Saginaw 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.