Crop-loss band · North Carolina
Harnett County, North Carolina — crop-loss band
- 2.25Low end of the filed band
- 3.34Middle of the filed band
- 4.33High end of the filed band
- 2018Worst year filed (4.37)
- 10Years filed
Every year the Risk Management Agency has filed for Harnett 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 2.25 at the low end to 4.33 at the high end, with 3.34 in the middle. The worst year filed is 2018, at 4.37. 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 | $2,122,475 | $7,758,945 | $13,949,835 | 411 | 411 | 3.66 |
| 2016 | $1,571,066 | $6,199,654 | $12,472,909 | 308 | 308 | 3.95 |
| 2017 | $1,230,875 | $4,502,083 | $8,649,230 | 156 | 155 | 3.66 |
| 2018 | $3,626,056 | $15,836,098 | $30,231,872 | 365 | 363 | 4.37 |
| 2019 | $1,440,294 | $4,414,063 | $9,616,093 | 249 | 246 | 3.06 |
| 2020 | $2,355,228 | $10,192,370 | $17,729,158 | 375 | 374 | 4.33 |
| 2021 | $1,055,283 | $2,612,717 | $5,473,234 | 174 | 174 | 2.48 |
| 2022 | $2,612,421 | $6,113,288 | $14,577,312 | 267 | 267 | 2.34 |
| 2023 | $2,725,625 | $6,145,219 | $15,961,402 | 282 | 282 | 2.25 |
| 2024 | $3,878,878 | $12,966,179 | $25,775,494 | 546 | 546 | 3.34 |
Commodities insured in Harnett County
6 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
- 2.81Low end of the filed band
- 4.50Middle of the filed band
- 6.40High end of the filed band
- 2015Worst year filed (7.85)
- 10Years filed
- $10,266,881Premium filed
- $49,230,169Indemnity paid
- $94,817,882Liability insured
- 25,800Quantity planted
- 29,282Quantity lost
- 944Policies
- 938Policies with a loss
- 4.80Loss ratio, whole span
Causes that carried the indemnity in Harnett County
- Hurricane/Tropical Depression $11,052,153 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $11,029,335 indemnity · 10 years
- Drought $9,029,294 indemnity · 9 years
- Heat $5,376,985 indemnity · 10 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $5,336,432 indemnity · 4 years
- Plant Disease $3,308,327 indemnity · 10 years
Soybeans 10 years filed
- 1.35Low end of the filed band
- 1.88Middle of the filed band
- 2.60High end of the filed band
- 2020Worst year filed (3.08)
- 10Years filed
- $5,256,626Premium filed
- $10,499,399Indemnity paid
- $20,664,357Liability insured
- 94,415Quantity planted
- 105,618Quantity lost
- 1,126Policies
- 1,126Policies with a loss
- 2.00Loss ratio, whole span
Causes that carried the indemnity in Harnett County
- Drought $4,590,637 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $2,605,041 indemnity · 9 years
- Hurricane/Tropical Depression $1,021,807 indemnity · 7 years
- Heat $683,102 indemnity · 10 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $609,353 indemnity · 3 years
- Tropical Storm $599,975 indemnity · 1 years
Cotton 10 years filed
- 1.16Low end of the filed band
- 1.88Middle of the filed band
- 2.43High end of the filed band
- 2020Worst year filed (2.66)
- 10Years filed
- $3,484,113Premium filed
- $6,618,381Indemnity paid
- $13,303,009Liability insured
- 27,457Quantity planted
- 48,909Quantity lost
- 369Policies
- 369Policies with a loss
- 1.90Loss ratio, whole span
Causes that carried the indemnity in Harnett County
- Drought $1,964,689 indemnity · 9 years
- ARPI/SCO/STAX Crops Only $1,711,467 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $1,705,841 indemnity · 8 years
- Hurricane/Tropical Depression $590,713 indemnity · 6 years
- Tropical Storm $270,304 indemnity · 1 years
- Heat $259,242 indemnity · 6 years
Corn 10 years filed
- 1.26Low end of the filed band
- 2.28Middle of the filed band
- 3.52High end of the filed band
- 2020Worst year filed (3.73)
- 10Years filed
- $1,805,751Premium filed
- $5,089,701Indemnity paid
- $8,912,619Liability insured
- 22,589Quantity planted
- 24,220Quantity lost
- 370Policies
- 370Policies with a loss
- 2.82Loss ratio, whole span
Causes that carried the indemnity in Harnett County
- Drought $2,886,080 indemnity · 10 years
- Heat $1,036,141 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $448,013 indemnity · 8 years
- Tropical Storm $349,619 indemnity · 1 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $166,577 indemnity · 1 years
- Hurricane/Tropical Depression $96,744 indemnity · 5 years
All Other Crops 7 years filed
- 1.42Low end of the filed band
- 2.42Middle of the filed band
- 4.15High end of the filed band
- 2018Worst year filed (4.15)
- 7Years filed
- $932,420Premium filed
- $3,023,121Indemnity paid
- $12,450,612Liability insured
- 1,118Quantity planted
- 160Quantity lost
- 25Policies
- 25Policies with a loss
- 3.24Loss ratio, whole span
Causes that carried the indemnity in Harnett County
- Excess Moisture/Precipitation/Rain $1,627,573 indemnity · 4 years
- Drought $999,287 indemnity · 4 years
- Heat $245,858 indemnity · 2 years
- Hurricane $105,323 indemnity · 1 years
- ARPI/SCO/STAX/MP Crops Only $43,855 indemnity · 3 years
- Frost $1,226 indemnity · 1 years
Wheat 10 years filed
- 1.34Low end of the filed band
- 2.63Middle of the filed band
- 3.38High end of the filed band
- 2022Worst year filed (3.77)
- 10Years filed
- $872,410Premium filed
- $2,279,845Indemnity paid
- $4,288,060Liability insured
- 25,351Quantity planted
- 25,335Quantity lost
- 299Policies
- 298Policies with a loss
- 2.61Loss ratio, whole span
Causes that carried the indemnity in Harnett County
- Excess Moisture/Precipitation/Rain $1,785,663 indemnity · 9 years
- Drought $200,037 indemnity · 6 years
- Cold Wet Weather $112,580 indemnity · 7 years
- Cold Winter $57,696 indemnity · 1 years
- Decline in Price $54,744 indemnity · 4 years
- Freeze $47,850 indemnity · 4 years
Every county-crop the agency files in North Carolina → Buy the Harnett 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.