Crop-loss band · Michigan
St. Joseph County, Michigan — crop-loss band
- 1.51Low end of the filed band
- 2.40Middle of the filed band
- 2.89High end of the filed band
- 2019Worst year filed (3.66)
- 10Years filed
Every year the Risk Management Agency has filed for St. Joseph 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 1.51 at the low end to 2.89 at the high end, with 2.40 in the middle. The worst year filed is 2019, at 3.66. 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 | $188,740 | $472,512 | $1,975,981 | 37 | 37 | 2.50 |
| 2016 | $289,842 | $696,160 | $2,831,200 | 66 | 66 | 2.40 |
| 2017 | $317,908 | $480,465 | $2,867,910 | 98 | 97 | 1.51 |
| 2018 | $252,021 | $596,995 | $2,830,567 | 91 | 91 | 2.37 |
| 2019 | $221,927 | $811,284 | $2,242,200 | 91 | 91 | 3.66 |
| 2020 | $221,106 | $543,488 | $2,938,122 | 89 | 89 | 2.46 |
| 2021 | $190,804 | $541,486 | $1,925,816 | 28 | 28 | 2.84 |
| 2022 | $176,472 | $510,790 | $1,655,514 | 33 | 33 | 2.89 |
| 2023 | $442,646 | $1,064,246 | $5,035,577 | 103 | 103 | 2.40 |
| 2024 | $278,923 | $584,265 | $4,381,375 | 97 | 97 | 2.09 |
Commodities insured in St. Joseph 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.
Corn 10 years filed
- 1.66Low end of the filed band
- 1.98Middle of the filed band
- 2.84High end of the filed band
- 2019Worst year filed (5.82)
- 10Years filed
- $1,079,512Premium filed
- $2,627,765Indemnity paid
- $12,545,588Liability insured
- 24,931Quantity planted
- 24,779Quantity lost
- 308Policies
- 307Policies with a loss
- 2.43Loss ratio, whole span
Causes that carried the indemnity in St. Joseph County
- Excess Moisture/Precipitation/Rain $970,811 indemnity · 10 years
- Drought $594,281 indemnity · 8 years
- ARPI/SCO/STAX Crops Only $284,891 indemnity · 7 years
- Decline in Price $220,183 indemnity · 7 years
- Heat $154,610 indemnity · 5 years
- Cold Wet Weather $92,476 indemnity · 5 years
Soybeans 10 years filed
- 1.28Low end of the filed band
- 2.01Middle of the filed band
- 2.43High end of the filed band
- 2019Worst year filed (3.64)
- 10Years filed
- $1,087,302Premium filed
- $2,314,285Indemnity paid
- $13,079,507Liability insured
- 32,134Quantity planted
- 32,578Quantity lost
- 395Policies
- 395Policies with a loss
- 2.13Loss ratio, whole span
Causes that carried the indemnity in St. Joseph County
- Excess Moisture/Precipitation/Rain $769,243 indemnity · 10 years
- Drought $653,408 indemnity · 9 years
- Decline in Price $337,726 indemnity · 8 years
- Heat $209,778 indemnity · 5 years
- Hot Wind $94,128 indemnity · 5 years
- Wildlife $91,923 indemnity · 7 years
All Other Crops 9 years filed
- 0.47Low end of the filed band
- 2.34Middle of the filed band
- 4.64High end of the filed band
- 2015Worst year filed (4.64)
- 9Years filed
- $413,575Premium filed
- $1,359,641Indemnity paid
- $3,059,166Liability insured
- 4,512Quantity planted
- 3,549Quantity lost
- 30Policies
- 30Policies with a loss
- 3.29Loss ratio, whole span
Causes that carried the indemnity in St. Joseph County
- Excess Moisture/Precipitation/Rain $1,164,039 indemnity · 5 years
- Heat $157,966 indemnity · 1 years
- ARPI/SCO/STAX/MP Crops Only $25,844 indemnity · 8 years
- Hail $11,792 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the St. Joseph 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.