Crop-loss band · Michigan
Sanilac County, Michigan — crop-loss band
- 1.81Low end of the filed band
- 2.84Middle of the filed band
- 3.69High end of the filed band
- 2019Worst year filed (5.20)
- 10Years filed
Every year the Risk Management Agency has filed for Sanilac County is in the series below, from 2015 to 2022. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.81 at the low end to 3.69 at the high end, with 2.84 in the middle. The worst year filed is 2019, at 5.20. 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 | $914,672 | $2,084,481 | $8,253,717 | 236 | 236 | 2.28 |
| 2016 | $637,886 | $1,154,582 | $7,672,390 | 144 | 143 | 1.81 |
| 2017 | $735,055 | $2,194,444 | $8,476,974 | 202 | 202 | 2.99 |
| 2018 | $890,766 | $3,287,508 | $14,012,460 | 202 | 200 | 3.69 |
| 2019 | $2,444,905 | $12,707,681 | $28,419,360 | 747 | 747 | 5.20 |
| 2020 | $970,051 | $2,758,367 | $13,407,493 | 215 | 214 | 2.84 |
| 2021 | $792,019 | $2,082,861 | $14,629,338 | 186 | 185 | 2.63 |
| 2022 | $1,858,861 | $4,818,822 | $21,697,967 | 364 | 364 | 2.59 |
| 2023 | $3,339,588 | $9,515,847 | $44,249,017 | 525 | 525 | 2.85 |
| 2024 | $2,192,990 | $7,687,847 | $29,476,615 | 491 | 491 | 3.51 |
Commodities insured in Sanilac County
6 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
- 1.32Low end of the filed band
- 2.23Middle of the filed band
- 2.83High end of the filed band
- 2019Worst year filed (5.21)
- 10Years filed
- $5,567,616Premium filed
- $14,972,461Indemnity paid
- $57,328,670Liability insured
- 143,144Quantity planted
- 134,828Quantity lost
- 1,259Policies
- 1,255Policies with a loss
- 2.69Loss ratio, whole span
Causes that carried the indemnity in Sanilac County
- Excess Moisture/Precipitation/Rain $8,114,747 indemnity · 10 years
- Drought $4,376,167 indemnity · 9 years
- Decline in Price $707,161 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $480,191 indemnity · 4 years
- Hail $413,087 indemnity · 6 years
- Heat $232,698 indemnity · 4 years
Corn 10 years filed
- 2.12Low end of the filed band
- 3.39Middle of the filed band
- 5.65High end of the filed band
- 2019Worst year filed (6.59)
- 10Years filed
- $3,413,657Premium filed
- $13,699,975Indemnity paid
- $53,083,466Liability insured
- 75,087Quantity planted
- 78,259Quantity lost
- 739Policies
- 738Policies with a loss
- 4.01Loss ratio, whole span
Causes that carried the indemnity in Sanilac County
- Excess Moisture/Precipitation/Rain $7,760,726 indemnity · 10 years
- Drought $2,212,949 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $1,056,462 indemnity · 5 years
- Decline in Price $739,599 indemnity · 8 years
- Mycotoxin $573,661 indemnity · 3 years
- Hail $383,381 indemnity · 2 years
Sugar Beets 10 years filed
- 1.84Low end of the filed band
- 4.71Middle of the filed band
- 6.16High end of the filed band
- 2023Worst year filed (6.37)
- 10Years filed
- $1,869,489Premium filed
- $8,443,354Indemnity paid
- $45,536,540Liability insured
- 40,114Quantity planted
- 34,994Quantity lost
- 357Policies
- 357Policies with a loss
- 4.52Loss ratio, whole span
Causes that carried the indemnity in Sanilac County
- Drought $3,802,279 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $3,279,418 indemnity · 10 years
- Freeze $504,821 indemnity · 4 years
- Cold Wet Weather $288,859 indemnity · 5 years
- Frost $185,781 indemnity · 4 years
- Plant Disease $139,680 indemnity · 3 years
Dry Beans 10 years filed
- 1.39Low end of the filed band
- 2.07Middle of the filed band
- 3.93High end of the filed band
- 2021Worst year filed (6.29)
- 10Years filed
- $2,233,028Premium filed
- $5,901,954Indemnity paid
- $18,055,502Liability insured
- 35,037Quantity planted
- 33,876Quantity lost
- 335Policies
- 335Policies with a loss
- 2.64Loss ratio, whole span
Causes that carried the indemnity in Sanilac County
- Excess Moisture/Precipitation/Rain $4,948,869 indemnity · 10 years
- Drought $595,942 indemnity · 9 years
- Hail $120,677 indemnity · 3 years
- Frost $112,393 indemnity · 1 years
- Cold Wet Weather $34,880 indemnity · 3 years
- Other (Snow, Lightning, Etc.) $28,918 indemnity · 2 years
Wheat 10 years filed
- 2.06Low end of the filed band
- 3.37Middle of the filed band
- 4.33High end of the filed band
- 2015Worst year filed (5.63)
- 10Years filed
- $1,440,469Premium filed
- $5,061,785Indemnity paid
- $14,047,676Liability insured
- 44,819Quantity planted
- 44,840Quantity lost
- 603Policies
- 603Policies with a loss
- 3.51Loss ratio, whole span
Causes that carried the indemnity in Sanilac County
- Excess Moisture/Precipitation/Rain $3,127,028 indemnity · 8 years
- Cold Wet Weather $621,692 indemnity · 8 years
- Drought $462,293 indemnity · 6 years
- Cold Winter $379,868 indemnity · 6 years
- Falling Numbers $154,329 indemnity · 5 years
- Decline in Price $117,759 indemnity · 6 years
All Other Crops 7 years filed
- 0.54Low end of the filed band
- 1.89Middle of the filed band
- 4.47High end of the filed band
- 2018Worst year filed (4.47)
- 7Years filed
- $252,534Premium filed
- $212,911Indemnity paid
- $2,243,477Liability insured
- 1,056Quantity planted
- 397Quantity lost
- 19Policies
- 19Policies with a loss
- 0.84Loss ratio, whole span
Causes that carried the indemnity in Sanilac County
- Other (Snow, Lightning, Etc.) $83,616 indemnity · 1 years
- ARPI/SCO/STAX/MP Crops Only $25,553 indemnity · 4 years
- Freeze $24,144 indemnity · 1 years
- Hail $20,344 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $20,271 indemnity · 3 years
- Cold Wet Weather $18,498 indemnity · 2 years
Every county-crop the agency files in Michigan → Buy the Sanilac 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.