Crop-loss band · North Carolina
Davidson County, North Carolina — crop-loss band
- 2.61Low end of the filed band
- 3.35Middle of the filed band
- 4.26High end of the filed band
- 2024Worst year filed (4.70)
- 10Years filed
Every year the Risk Management Agency has filed for Davidson 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 2.61 at the low end to 4.26 at the high end, with 3.35 in the middle. The worst year filed is 2024, at 4.70. 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 | $311,459 | $1,326,940 | $2,771,472 | 127 | 127 | 4.26 |
| 2016 | $285,028 | $1,086,842 | $2,503,386 | 107 | 107 | 3.81 |
| 2017 | $200,862 | $743,267 | $1,741,734 | 79 | 79 | 3.70 |
| 2018 | $333,888 | $1,201,139 | $2,616,677 | 134 | 134 | 3.60 |
| 2019 | $209,087 | $676,123 | $1,457,890 | 77 | 76 | 3.23 |
| 2020 | $175,717 | $558,757 | $1,286,212 | 79 | 79 | 3.18 |
| 2021 | $103,660 | $347,119 | $680,369 | 34 | 34 | 3.35 |
| 2022 | $205,866 | $575,983 | $1,421,638 | 60 | 60 | 2.80 |
| 2023 | $207,753 | $542,618 | $1,560,232 | 71 | 71 | 2.61 |
| 2024 | $427,597 | $2,010,835 | $3,612,855 | 148 | 148 | 4.70 |
Commodities insured in Davidson 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.
Flue Cured Tobacco 10 years filed
- 3.38Low end of the filed band
- 4.97Middle of the filed band
- 6.53High end of the filed band
- 2015Worst year filed (6.82)
- 10Years filed
- $586,255Premium filed
- $3,105,771Indemnity paid
- $5,540,675Liability insured
- 2,036Quantity planted
- 2,036Quantity lost
- 113Policies
- 113Policies with a loss
- 5.30Loss ratio, whole span
Causes that carried the indemnity in Davidson County
- Drought $1,923,577 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $420,245 indemnity · 5 years
- Hail $206,335 indemnity · 2 years
- Heat $169,735 indemnity · 4 years
- Hurricane/Tropical Depression $86,823 indemnity · 3 years
- Wind/Excess Wind $80,470 indemnity · 2 years
Corn 10 years filed
- 1.50Low end of the filed band
- 2.39Middle of the filed band
- 3.77High end of the filed band
- 2024Worst year filed (5.82)
- 10Years filed
- $827,148Premium filed
- $3,058,545Indemnity paid
- $7,239,158Liability insured
- 21,168Quantity planted
- 20,933Quantity lost
- 278Policies
- 278Policies with a loss
- 3.70Loss ratio, whole span
Causes that carried the indemnity in Davidson County
- Drought $2,212,789 indemnity · 9 years
- Heat $353,265 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $270,499 indemnity · 8 years
- Flood $97,872 indemnity · 4 years
- Wind/Excess Wind $52,312 indemnity · 3 years
- Hurricane/Tropical Depression $21,226 indemnity · 2 years
Soybeans 10 years filed
- 1.90Low end of the filed band
- 2.71Middle of the filed band
- 3.53High end of the filed band
- 2015Worst year filed (3.55)
- 10Years filed
- $1,047,514Premium filed
- $2,905,307Indemnity paid
- $6,872,632Liability insured
- 28,260Quantity planted
- 26,540Quantity lost
- 525Policies
- 524Policies with a loss
- 2.77Loss ratio, whole span
Causes that carried the indemnity in Davidson County
- Drought $1,700,670 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $534,370 indemnity · 10 years
- Heat $189,798 indemnity · 5 years
- Flood $162,411 indemnity · 4 years
- Wildlife $152,484 indemnity · 8 years
- Hurricane/Tropical Depression $84,703 indemnity · 2 years
Every county-crop the agency files in North Carolina → Buy the Davidson 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.