Crop-loss band · Michigan
Tuscola County, Michigan — crop-loss band
- 1.43Low end of the filed band
- 2.65Middle of the filed band
- 3.89High end of the filed band
- 2019Worst year filed (4.20)
- 10Years filed
Every year the Risk Management Agency has filed for Tuscola 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 3.89 at the high end, with 2.65 in the middle. The worst year filed is 2019, at 4.20. 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 | $864,693 | $1,554,420 | $7,688,428 | 235 | 235 | 1.80 |
| 2016 | $667,031 | $954,298 | $7,469,852 | 191 | 191 | 1.43 |
| 2017 | $1,306,564 | $2,620,516 | $13,879,920 | 305 | 305 | 2.01 |
| 2018 | $621,043 | $1,643,718 | $9,742,087 | 191 | 190 | 2.65 |
| 2019 | $2,300,354 | $9,662,964 | $27,830,124 | 668 | 668 | 4.20 |
| 2020 | $1,171,931 | $3,221,745 | $20,620,385 | 329 | 325 | 2.75 |
| 2021 | $655,294 | $2,549,502 | $9,486,201 | 206 | 206 | 3.89 |
| 2022 | $1,481,649 | $3,701,077 | $21,080,384 | 316 | 315 | 2.50 |
| 2023 | $2,728,954 | $8,101,256 | $32,971,314 | 473 | 473 | 2.97 |
| 2024 | $1,385,415 | $5,226,431 | $23,027,495 | 370 | 370 | 3.77 |
Commodities insured in Tuscola 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.
Corn 10 years filed
- 1.56Low end of the filed band
- 2.31Middle of the filed band
- 4.23High end of the filed band
- 2019Worst year filed (4.67)
- 10Years filed
- $3,809,578Premium filed
- $11,210,726Indemnity paid
- $56,982,664Liability insured
- 72,180Quantity planted
- 79,308Quantity lost
- 715Policies
- 711Policies with a loss
- 2.94Loss ratio, whole span
Causes that carried the indemnity in Tuscola County
- Excess Moisture/Precipitation/Rain $6,132,830 indemnity · 10 years
- Drought $2,483,010 indemnity · 9 years
- Decline in Price $859,197 indemnity · 8 years
- Other (Snow, Lightning, Etc.) $645,749 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $584,429 indemnity · 6 years
- Mycotoxin $159,574 indemnity · 2 years
Soybeans 10 years filed
- 1.02Low end of the filed band
- 2.70Middle of the filed band
- 3.04High end of the filed band
- 2019Worst year filed (3.69)
- 10Years filed
- $3,458,792Premium filed
- $9,538,765Indemnity paid
- $39,857,041Liability insured
- 89,948Quantity planted
- 86,300Quantity lost
- 1,048Policies
- 1,046Policies with a loss
- 2.76Loss ratio, whole span
Causes that carried the indemnity in Tuscola County
- Excess Moisture/Precipitation/Rain $4,937,613 indemnity · 10 years
- Drought $3,345,908 indemnity · 10 years
- Decline in Price $379,849 indemnity · 9 years
- Wildlife $364,184 indemnity · 10 years
- Other (Snow, Lightning, Etc.) $194,564 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $159,150 indemnity · 6 years
Dry Beans 10 years filed
- 1.18Low end of the filed band
- 1.78Middle of the filed band
- 5.09High end of the filed band
- 2021Worst year filed (5.31)
- 10Years filed
- $2,990,799Premium filed
- $8,231,822Indemnity paid
- $31,492,719Liability insured
- 49,902Quantity planted
- 44,650Quantity lost
- 674Policies
- 674Policies with a loss
- 2.75Loss ratio, whole span
Causes that carried the indemnity in Tuscola County
- Excess Moisture/Precipitation/Rain $6,177,804 indemnity · 10 years
- Drought $1,347,939 indemnity · 9 years
- Wildlife $154,386 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $138,190 indemnity · 8 years
- Decline in Price $125,877 indemnity · 6 years
- Cold Wet Weather $95,194 indemnity · 3 years
Wheat 10 years filed
- 1.54Low end of the filed band
- 2.59Middle of the filed band
- 4.97High end of the filed band
- 2022Worst year filed (5.22)
- 10Years filed
- $1,911,215Premium filed
- $5,149,479Indemnity paid
- $16,511,732Liability insured
- 40,868Quantity planted
- 40,885Quantity lost
- 629Policies
- 629Policies with a loss
- 2.69Loss ratio, whole span
Causes that carried the indemnity in Tuscola County
- Excess Moisture/Precipitation/Rain $1,878,417 indemnity · 9 years
- Cold Wet Weather $894,981 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $681,337 indemnity · 3 years
- Drought $512,942 indemnity · 7 years
- Cold Winter $450,273 indemnity · 9 years
- Falling Numbers $413,305 indemnity · 4 years
Sugar Beets 10 years filed
- 3.27Low end of the filed band
- 4.64Middle of the filed band
- 7.31High end of the filed band
- 2023Worst year filed (15.86)
- 10Years filed
- $680,283Premium filed
- $4,050,531Indemnity paid
- $25,026,130Liability insured
- 20,646Quantity planted
- 19,085Quantity lost
- 196Policies
- 196Policies with a loss
- 5.95Loss ratio, whole span
Causes that carried the indemnity in Tuscola County
- Drought $1,891,380 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $789,167 indemnity · 8 years
- Freeze $388,042 indemnity · 3 years
- Frost $313,367 indemnity · 4 years
- Other (Snow, Lightning, Etc.) $306,125 indemnity · 5 years
- Cold Wet Weather $270,695 indemnity · 2 years
All Other Crops 9 years filed
- 0.89Low end of the filed band
- 3.05Middle of the filed band
- 12.08High end of the filed band
- 2022Worst year filed (12.08)
- 9Years filed
- $332,261Premium filed
- $1,054,604Indemnity paid
- $3,925,904Liability insured
- 1,800Quantity planted
- 543Quantity lost
- 22Policies
- 22Policies with a loss
- 3.17Loss ratio, whole span
Causes that carried the indemnity in Tuscola County
- Excess Moisture/Precipitation/Rain $634,522 indemnity · 2 years
- Drought $200,948 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $114,519 indemnity · 6 years
- Cold Wet Weather $68,662 indemnity · 2 years
- Other (Snow, Lightning, Etc.) $25,793 indemnity · 1 years
- Freeze $10,160 indemnity · 1 years
Every county-crop the agency files in Michigan → Buy the Tuscola 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.