Crop-loss band · Michigan
Shiawassee County, Michigan — crop-loss band
- 1.43Low end of the filed band
- 2.12Middle of the filed band
- 3.66High end of the filed band
- 2019Worst year filed (5.69)
- 10Years filed
Every year the Risk Management Agency has filed for Shiawassee 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 1.43 at the low end to 3.66 at the high end, with 2.12 in the middle. The worst year filed is 2019, at 5.69. 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 | $255,967 | $937,528 | $2,723,660 | 124 | 124 | 3.66 |
| 2016 | $509,066 | $1,325,867 | $5,023,066 | 141 | 141 | 2.60 |
| 2017 | $1,126,367 | $2,390,964 | $10,710,033 | 295 | 295 | 2.12 |
| 2018 | $658,492 | $1,753,015 | $6,684,316 | 170 | 170 | 2.66 |
| 2019 | $1,969,722 | $11,212,357 | $16,201,028 | 613 | 613 | 5.69 |
| 2020 | $751,052 | $1,073,241 | $8,829,885 | 208 | 208 | 1.43 |
| 2021 | $491,293 | $982,496 | $4,371,813 | 109 | 109 | 2.00 |
| 2022 | $2,004,027 | $3,267,678 | $21,259,673 | 251 | 251 | 1.63 |
| 2023 | $2,921,756 | $5,058,904 | $25,649,113 | 377 | 377 | 1.73 |
| 2024 | $1,478,041 | $3,565,409 | $13,793,725 | 316 | 316 | 2.41 |
Commodities insured in Shiawassee 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
- 1.25Low end of the filed band
- 1.89Middle of the filed band
- 3.28High end of the filed band
- 2019Worst year filed (5.69)
- 10Years filed
- $6,844,051Premium filed
- $15,858,162Indemnity paid
- $66,347,150Liability insured
- 134,171Quantity planted
- 150,363Quantity lost
- 1,321Policies
- 1,321Policies with a loss
- 2.32Loss ratio, whole span
Causes that carried the indemnity in Shiawassee County
- Excess Moisture/Precipitation/Rain $6,931,258 indemnity · 10 years
- Drought $5,347,363 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $2,481,875 indemnity · 4 years
- Decline in Price $492,121 indemnity · 8 years
- Wildlife $124,638 indemnity · 6 years
- Hot Wind $115,882 indemnity · 3 years
Corn 10 years filed
- 1.15Low end of the filed band
- 2.37Middle of the filed band
- 3.85High end of the filed band
- 2019Worst year filed (6.05)
- 10Years filed
- $4,135,494Premium filed
- $12,350,853Indemnity paid
- $39,511,120Liability insured
- 75,001Quantity planted
- 72,574Quantity lost
- 801Policies
- 801Policies with a loss
- 2.99Loss ratio, whole span
Causes that carried the indemnity in Shiawassee County
- Excess Moisture/Precipitation/Rain $7,726,110 indemnity · 10 years
- Drought $2,331,127 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $829,457 indemnity · 3 years
- Mycotoxin $421,149 indemnity · 3 years
- Decline in Price $406,254 indemnity · 7 years
- Heat $325,455 indemnity · 5 years
Wheat 10 years filed
- 1.45Low end of the filed band
- 3.22Middle of the filed band
- 4.35High end of the filed band
- 2015Worst year filed (5.36)
- 10Years filed
- $1,186,238Premium filed
- $3,358,444Indemnity paid
- $9,388,042Liability insured
- 36,517Quantity planted
- 36,552Quantity lost
- 482Policies
- 482Policies with a loss
- 2.83Loss ratio, whole span
Causes that carried the indemnity in Shiawassee County
- Excess Moisture/Precipitation/Rain $2,061,924 indemnity · 9 years
- Cold Wet Weather $394,382 indemnity · 8 years
- Drought $271,340 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $257,461 indemnity · 5 years
- Cold Winter $142,702 indemnity · 6 years
- Hot Wind $88,127 indemnity · 2 years
Every county-crop the agency files in Michigan → Buy the Shiawassee 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.