Crop-loss band · Missouri
St. Clair County, Missouri — crop-loss band
- 0.96Low end of the filed band
- 1.68Middle of the filed band
- 2.30High end of the filed band
- 2023Worst year filed (3.38)
- 10Years filed
Every year the Risk Management Agency has filed for St. Clair 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 0.96 at the low end to 2.30 at the high end, with 1.68 in the middle. The worst year filed is 2023, at 3.38. 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 | $1,451,147 | $3,132,586 | $6,443,975 | 375 | 375 | 2.16 |
| 2016 | $156,978 | $150,244 | $776,119 | 52 | 52 | 0.96 |
| 2017 | $633,675 | $858,622 | $3,698,513 | 148 | 148 | 1.36 |
| 2018 | $693,783 | $1,159,806 | $3,756,726 | 148 | 148 | 1.67 |
| 2019 | $1,070,774 | $1,802,573 | $4,952,754 | 219 | 219 | 1.68 |
| 2020 | $1,220,890 | $2,423,181 | $5,987,390 | 199 | 198 | 1.98 |
| 2021 | $1,231,580 | $1,421,515 | $6,365,976 | 190 | 190 | 1.15 |
| 2022 | $2,600,969 | $5,241,306 | $13,341,716 | 222 | 222 | 2.02 |
| 2023 | $3,667,906 | $12,394,753 | $24,034,753 | 413 | 413 | 3.38 |
| 2024 | $2,000,109 | $4,602,993 | $13,121,043 | 288 | 288 | 2.30 |
Commodities insured in St. Clair 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
- 0.60Low end of the filed band
- 1.36Middle of the filed band
- 2.51High end of the filed band
- 2023Worst year filed (3.24)
- 10Years filed
- $8,331,085Premium filed
- $17,612,842Indemnity paid
- $48,907,584Liability insured
- 149,005Quantity planted
- 146,995Quantity lost
- 1,248Policies
- 1,247Policies with a loss
- 2.11Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Drought $10,050,106 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $4,579,665 indemnity · 10 years
- Heat $2,649,231 indemnity · 5 years
- Flood $137,831 indemnity · 4 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $127,315 indemnity · 2 years
- Wildlife $21,973 indemnity · 3 years
Corn 10 years filed
- 0.86Low end of the filed band
- 1.60Middle of the filed band
- 2.59High end of the filed band
- 2023Worst year filed (3.95)
- 10Years filed
- $4,460,331Premium filed
- $10,909,737Indemnity paid
- $26,715,872Liability insured
- 58,328Quantity planted
- 59,151Quantity lost
- 655Policies
- 655Policies with a loss
- 2.45Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Drought $5,514,714 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $3,243,465 indemnity · 10 years
- Heat $1,763,168 indemnity · 5 years
- Flood $185,401 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $135,823 indemnity · 1 years
- Decline in Price $30,437 indemnity · 5 years
Wheat 10 years filed
- 1.36Low end of the filed band
- 2.46Middle of the filed band
- 2.91High end of the filed band
- 2015Worst year filed (3.47)
- 10Years filed
- $1,936,395Premium filed
- $4,665,000Indemnity paid
- $6,855,509Liability insured
- 42,560Quantity planted
- 42,527Quantity lost
- 351Policies
- 351Policies with a loss
- 2.41Loss ratio, whole span
Causes that carried the indemnity in St. Clair County
- Excess Moisture/Precipitation/Rain $3,937,098 indemnity · 10 years
- Drought $185,814 indemnity · 3 years
- Mycotoxin $182,572 indemnity · 1 years
- Cold Wet Weather $129,255 indemnity · 3 years
- Frost $81,821 indemnity · 2 years
- Plant Disease $66,024 indemnity · 3 years
Every county-crop the agency files in Missouri → Buy the St. Clair 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.