Crop-loss band · Missouri
St. Louis County, Missouri — crop-loss band
- 1.65Low end of the filed band
- 2.42Middle of the filed band
- 3.05High end of the filed band
- 2019Worst year filed (3.42)
- 10Years filed
Every year the Risk Management Agency has filed for St. Louis 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 1.65 at the low end to 3.05 at the high end, with 2.42 in the middle. The worst year filed is 2019, at 3.42. 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 | $305,214 | $830,566 | $1,317,550 | 71 | 71 | 2.72 |
| 2016 | $24,386 | $74,373 | $127,237 | 17 | 17 | 3.05 |
| 2017 | $161,532 | $363,811 | $901,345 | 48 | 48 | 2.25 |
| 2018 | $55,789 | $91,808 | $330,993 | 15 | 15 | 1.65 |
| 2019 | $469,606 | $1,605,048 | $1,691,841 | 117 | 117 | 3.42 |
| 2020 | $141,157 | $341,528 | $538,529 | 48 | 48 | 2.42 |
| 2021 | $77,795 | $224,230 | $285,309 | 21 | 21 | 2.88 |
| 2022 | $144,824 | $345,354 | $675,002 | 36 | 36 | 2.38 |
| 2023 | $39,082 | $89,917 | $136,113 | 8 | 8 | 2.30 |
| 2024 | $138,766 | $354,332 | $604,619 | 44 | 44 | 2.55 |
Commodities insured in St. Louis County
2 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
- 1.67Low end of the filed band
- 2.67Middle of the filed band
- 3.48High end of the filed band
- 2019Worst year filed (4.09)
- 10Years filed
- $848,139Premium filed
- $2,607,819Indemnity paid
- $4,145,391Liability insured
- 15,728Quantity planted
- 14,864Quantity lost
- 284Policies
- 284Policies with a loss
- 3.07Loss ratio, whole span
Causes that carried the indemnity in St. Louis County
- Excess Moisture/Precipitation/Rain $1,220,761 indemnity · 10 years
- Flood $1,100,186 indemnity · 7 years
- Drought $226,794 indemnity · 7 years
- Wildlife $45,372 indemnity · 4 years
- Insects $8,051 indemnity · 1 years
- Heat $3,456 indemnity · 1 years
Corn 9 years filed
- 0.81Low end of the filed band
- 1.92Middle of the filed band
- 2.87High end of the filed band
- 2019Worst year filed (2.87)
- 9Years filed
- $710,012Premium filed
- $1,713,148Indemnity paid
- $2,463,147Liability insured
- 7,422Quantity planted
- 7,196Quantity lost
- 141Policies
- 141Policies with a loss
- 2.41Loss ratio, whole span
Causes that carried the indemnity in St. Louis County
- Excess Moisture/Precipitation/Rain $1,186,646 indemnity · 9 years
- Flood $485,404 indemnity · 5 years
- Drought $23,843 indemnity · 3 years
- ARPI/SCO/STAX Crops Only $13,369 indemnity · 2 years
- Decline in Price $1,993 indemnity · 2 years
- Wind/Excess Wind $1,893 indemnity · 1 years
Every county-crop the agency files in Missouri → Buy the St. Louis 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.