Crop-loss band · Michigan
St. Clair County, Michigan — crop-loss band
- 1.62Low end of the filed band
- 2.30Middle of the filed band
- 4.52High end of the filed band
- 2019Worst year filed (5.50)
- 10Years filed
Every year the Risk Management Agency has filed for St. Clair 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 1.62 at the low end to 4.52 at the high end, with 2.30 in the middle. The worst year filed is 2019, at 5.50. 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 | $663,654 | $3,001,709 | $5,057,983 | 242 | 242 | 4.52 |
| 2016 | $237,480 | $383,581 | $2,159,670 | 76 | 76 | 1.62 |
| 2017 | $638,614 | $1,469,998 | $5,842,322 | 200 | 200 | 2.30 |
| 2018 | $215,554 | $511,525 | $2,225,061 | 63 | 63 | 2.37 |
| 2019 | $1,633,996 | $8,985,753 | $13,161,056 | 449 | 449 | 5.50 |
| 2020 | $352,493 | $727,994 | $3,141,736 | 116 | 116 | 2.07 |
| 2021 | $1,024,350 | $2,015,340 | $9,471,019 | 169 | 169 | 1.97 |
| 2022 | $2,521,307 | $6,372,515 | $18,568,271 | 372 | 372 | 2.53 |
| 2023 | $2,151,235 | $4,386,950 | $17,980,282 | 337 | 337 | 2.04 |
| 2024 | $1,923,046 | $5,523,541 | $14,573,149 | 398 | 398 | 2.87 |
Commodities insured in St. Clair 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.
Soybeans 10 years filed
- 1.11Low end of the filed band
- 2.13Middle of the filed band
- 4.62High end of the filed band
- 2019Worst year filed (6.30)
- 10Years filed
- $6,593,473Premium filed
- $19,405,648Indemnity paid
- $53,854,521Liability insured
- 152,843Quantity planted
- 155,107Quantity lost
- 1,357Policies
- 1,357Policies with a loss
- 2.94Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Excess Moisture/Precipitation/Rain $13,083,784 indemnity · 10 years
- Drought $3,686,238 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $988,908 indemnity · 5 years
- Decline in Price $503,400 indemnity · 7 years
- Cold Wet Weather $341,367 indemnity · 8 years
- Heat $226,390 indemnity · 6 years
Corn 10 years filed
- 1.48Low end of the filed band
- 2.66Middle of the filed band
- 4.56High end of the filed band
- 2019Worst year filed (4.72)
- 10Years filed
- $3,818,479Premium filed
- $11,380,634Indemnity paid
- $32,547,728Liability insured
- 52,205Quantity planted
- 60,522Quantity lost
- 711Policies
- 711Policies with a loss
- 2.98Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Excess Moisture/Precipitation/Rain $8,482,011 indemnity · 10 years
- Drought $1,137,302 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $901,136 indemnity · 5 years
- Decline in Price $287,366 indemnity · 7 years
- Cold Wet Weather $208,666 indemnity · 5 years
- Hail $74,897 indemnity · 1 years
Wheat 10 years filed
- 1.97Low end of the filed band
- 2.20Middle of the filed band
- 4.37High end of the filed band
- 2015Worst year filed (4.76)
- 10Years filed
- $949,778Premium filed
- $2,592,624Indemnity paid
- $5,778,300Liability insured
- 23,581Quantity planted
- 23,600Quantity lost
- 354Policies
- 354Policies with a loss
- 2.73Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Excess Moisture/Precipitation/Rain $1,840,793 indemnity · 10 years
- Cold Wet Weather $224,295 indemnity · 8 years
- Cold Winter $219,964 indemnity · 4 years
- Drought $108,324 indemnity · 6 years
- Falling Numbers $89,811 indemnity · 1 years
- Decline in Price $34,723 indemnity · 4 years
Every county-crop the agency files in Michigan → Buy the St. Clair 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.