Crop-loss band · North Carolina
Cumberland County, North Carolina — crop-loss band
- 2.59Low end of the filed band
- 2.94Middle of the filed band
- 3.73High end of the filed band
- 2015Worst year filed (4.10)
- 10Years filed
Every year the Risk Management Agency has filed for Cumberland 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 2.59 at the low end to 3.73 at the high end, with 2.94 in the middle. The worst year filed is 2015, at 4.10. 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 | $1,284,549 | $5,265,345 | $9,126,775 | 188 | 188 | 4.10 |
| 2016 | $1,312,501 | $4,892,072 | $8,628,440 | 211 | 211 | 3.73 |
| 2017 | $709,408 | $2,603,770 | $4,216,919 | 59 | 59 | 3.67 |
| 2018 | $2,523,884 | $8,900,738 | $13,817,159 | 208 | 208 | 3.53 |
| 2019 | $1,449,910 | $4,571,887 | $7,442,166 | 193 | 193 | 3.15 |
| 2020 | $2,311,043 | $6,791,839 | $10,594,176 | 332 | 332 | 2.94 |
| 2021 | $1,372,281 | $3,609,168 | $6,528,467 | 114 | 114 | 2.63 |
| 2022 | $2,745,720 | $7,161,781 | $11,893,567 | 170 | 170 | 2.61 |
| 2023 | $2,550,268 | $6,599,843 | $10,298,109 | 129 | 129 | 2.59 |
| 2024 | $3,521,046 | $9,702,895 | $15,994,287 | 322 | 322 | 2.76 |
Commodities insured in Cumberland County
5 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.
Flue Cured Tobacco 10 years filed
- 2.50Low end of the filed band
- 2.88Middle of the filed band
- 5.04High end of the filed band
- 2015Worst year filed (6.63)
- 10Years filed
- $11,838,541Premium filed
- $39,580,306Indemnity paid
- $60,864,876Liability insured
- 17,234Quantity planted
- 19,576Quantity lost
- 345Policies
- 345Policies with a loss
- 3.34Loss ratio, whole span
Causes that carried the indemnity in Cumberland County
- Excess Moisture/Precipitation/Rain $10,015,183 indemnity · 9 years
- Hurricane/Tropical Depression $9,832,499 indemnity · 7 years
- Drought $9,284,354 indemnity · 10 years
- Heat $6,147,254 indemnity · 8 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $2,866,885 indemnity · 4 years
- Wind/Excess Wind $571,090 indemnity · 3 years
Cotton 10 years filed
- 1.54Low end of the filed band
- 2.54Middle of the filed band
- 3.27High end of the filed band
- 2020Worst year filed (3.70)
- 10Years filed
- $3,042,940Premium filed
- $8,062,050Indemnity paid
- $13,260,453Liability insured
- 27,387Quantity planted
- 46,930Quantity lost
- 277Policies
- 277Policies with a loss
- 2.65Loss ratio, whole span
Causes that carried the indemnity in Cumberland County
- Excess Moisture/Precipitation/Rain $2,681,768 indemnity · 9 years
- Hurricane/Tropical Depression $2,324,967 indemnity · 6 years
- ARPI/SCO/STAX Crops Only $1,519,188 indemnity · 5 years
- Drought $900,610 indemnity · 10 years
- Heat $327,504 indemnity · 5 years
- Tropical Storm $227,941 indemnity · 1 years
Soybeans 10 years filed
- 1.22Low end of the filed band
- 1.99Middle of the filed band
- 2.53High end of the filed band
- 2020Worst year filed (2.74)
- 10Years filed
- $2,841,420Premium filed
- $6,035,442Indemnity paid
- $12,881,557Liability insured
- 45,241Quantity planted
- 49,540Quantity lost
- 717Policies
- 717Policies with a loss
- 2.12Loss ratio, whole span
Causes that carried the indemnity in Cumberland County
- Excess Moisture/Precipitation/Rain $1,982,823 indemnity · 9 years
- Drought $1,464,857 indemnity · 9 years
- Hurricane/Tropical Depression $789,794 indemnity · 8 years
- Tropical Storm $719,721 indemnity · 1 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $406,351 indemnity · 1 years
- Heat $359,502 indemnity · 9 years
Corn 10 years filed
- 1.92Low end of the filed band
- 2.94Middle of the filed band
- 3.60High end of the filed band
- 2022Worst year filed (3.63)
- 10Years filed
- $1,744,980Premium filed
- $5,397,346Indemnity paid
- $9,779,892Liability insured
- 24,492Quantity planted
- 26,756Quantity lost
- 407Policies
- 407Policies with a loss
- 3.09Loss ratio, whole span
Causes that carried the indemnity in Cumberland County
- Drought $2,519,578 indemnity · 8 years
- Heat $895,820 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $687,868 indemnity · 8 years
- Tropical Storm $459,481 indemnity · 1 years
- Hurricane/Tropical Depression $281,794 indemnity · 6 years
- XX $261,554 indemnity · 5 years
Wheat 10 years filed
- 1.45Low end of the filed band
- 2.72Middle of the filed band
- 3.85High end of the filed band
- 2016Worst year filed (4.61)
- 10Years filed
- $312,729Premium filed
- $1,024,194Indemnity paid
- $1,753,287Liability insured
- 10,639Quantity planted
- 10,711Quantity lost
- 180Policies
- 180Policies with a loss
- 3.28Loss ratio, whole span
Causes that carried the indemnity in Cumberland County
- Excess Moisture/Precipitation/Rain $844,890 indemnity · 8 years
- Drought $57,372 indemnity · 7 years
- Decline in Price $39,836 indemnity · 4 years
- Cold Wet Weather $22,131 indemnity · 4 years
- All Other Causes $19,933 indemnity · 3 years
- Frost $16,760 indemnity · 4 years
Every county-crop the agency files in North Carolina → Buy the Cumberland 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.