Crop-loss band · Missouri
Howard County, Missouri — crop-loss band
- 1.10Low end of the filed band
- 2.19Middle of the filed band
- 3.43High end of the filed band
- 2019Worst year filed (6.89)
- 10Years filed
Every year the Risk Management Agency has filed for Howard 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 1.10 at the low end to 3.43 at the high end, with 2.19 in the middle. The worst year filed is 2019, at 6.89. 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 | $924,310 | $3,166,594 | $7,830,816 | 287 | 287 | 3.43 |
| 2016 | $116,607 | $177,957 | $822,676 | 70 | 70 | 1.53 |
| 2017 | $294,976 | $323,653 | $2,439,678 | 106 | 106 | 1.10 |
| 2018 | $703,544 | $1,691,421 | $7,415,413 | 268 | 268 | 2.40 |
| 2019 | $1,074,479 | $7,402,812 | $10,320,358 | 306 | 306 | 6.89 |
| 2020 | $329,176 | $584,649 | $2,672,255 | 169 | 169 | 1.78 |
| 2021 | $1,866,406 | $5,653,105 | $20,864,351 | 438 | 438 | 3.03 |
| 2022 | $636,196 | $1,453,868 | $6,084,631 | 200 | 200 | 2.29 |
| 2023 | $1,032,029 | $2,261,336 | $11,178,445 | 265 | 265 | 2.19 |
| 2024 | $543,218 | $709,149 | $5,202,287 | 154 | 154 | 1.31 |
Commodities insured in Howard 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
- 0.54Low end of the filed band
- 2.06Middle of the filed band
- 3.43High end of the filed band
- 2019Worst year filed (7.42)
- 10Years filed
- $4,188,595Premium filed
- $13,825,403Indemnity paid
- $42,534,823Liability insured
- 80,148Quantity planted
- 77,893Quantity lost
- 805Policies
- 805Policies with a loss
- 3.30Loss ratio, whole span
Causes that carried the indemnity in Howard County
- Excess Moisture/Precipitation/Rain $6,388,092 indemnity · 9 years
- Flood $4,261,549 indemnity · 6 years
- Drought $2,597,385 indemnity · 7 years
- Decline in Price $455,786 indemnity · 9 years
- ARPI/SCO/STAX Crops Only $57,191 indemnity · 4 years
- Wildlife $25,626 indemnity · 4 years
Soybeans 10 years filed
- 1.19Low end of the filed band
- 2.44Middle of the filed band
- 4.74High end of the filed band
- 2019Worst year filed (6.34)
- 10Years filed
- $2,929,955Premium filed
- $8,999,430Indemnity paid
- $29,994,038Liability insured
- 87,534Quantity planted
- 76,015Quantity lost
- 909Policies
- 909Policies with a loss
- 3.07Loss ratio, whole span
Causes that carried the indemnity in Howard County
- Excess Moisture/Precipitation/Rain $5,244,909 indemnity · 9 years
- Drought $2,115,779 indemnity · 9 years
- Flood $1,264,988 indemnity · 7 years
- Decline in Price $230,851 indemnity · 9 years
- Wildlife $85,838 indemnity · 9 years
- Hail $16,221 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 0.79Low end of the filed band
- 1.68Middle of the filed band
- 2.31High end of the filed band
- 2023Worst year filed (2.32)
- 10Years filed
- $402,391Premium filed
- $599,711Indemnity paid
- $2,302,049Liability insured
- 21,042Quantity planted
- 0Quantity lost
- 549Policies
- 549Policies with a loss
- 1.49Loss ratio, whole span
Causes that carried the indemnity in Howard County
- ARPI/SCO/STAX Crops Only $599,711 indemnity · 10 years
Every county-crop the agency files in Missouri → Buy the Howard 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.