Crop-loss band · North Carolina
Henderson County, North Carolina — crop-loss band
- 0.93Low end of the filed band
- 1.58Middle of the filed band
- 2.23High end of the filed band
- 2015Worst year filed (2.30)
- 10Years filed
Every year the Risk Management Agency has filed for Henderson 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 0.93 at the low end to 2.23 at the high end, with 1.58 in the middle. The worst year filed is 2015, at 2.30. 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 | $4,004,690 | $9,216,263 | $10,635,993 | 149 | 149 | 2.30 |
| 2016 | $4,855,329 | $10,815,612 | $11,800,718 | 150 | 150 | 2.23 |
| 2017 | $5,262,966 | $10,943,032 | $11,914,182 | 136 | 136 | 2.08 |
| 2018 | $6,534,577 | $12,963,061 | $18,744,297 | 143 | 143 | 1.98 |
| 2019 | $5,593,560 | $9,595,034 | $10,560,743 | 127 | 127 | 1.72 |
| 2020 | $7,915,204 | $10,786,785 | $16,479,807 | 188 | 185 | 1.36 |
| 2021 | $7,530,685 | $11,885,641 | $11,550,229 | 139 | 139 | 1.58 |
| 2022 | $5,032,133 | $4,677,448 | $5,756,322 | 87 | 87 | 0.93 |
| 2023 | $10,763,787 | $13,028,034 | $13,462,534 | 162 | 162 | 1.21 |
| 2024 | $11,161,772 | $14,909,039 | $17,659,703 | 292 | 292 | 1.34 |
Commodities insured in Henderson 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.
Apples 10 years filed
- 0.91Low end of the filed band
- 1.48Middle of the filed band
- 2.21High end of the filed band
- 2015Worst year filed (2.29)
- 10Years filed
- $66,122,325Premium filed
- $102,442,527Indemnity paid
- $108,324,588Liability insured
- 28,311Quantity planted
- 29,197Quantity lost
- 1,485Policies
- 1,482Policies with a loss
- 1.55Loss ratio, whole span
Causes that carried the indemnity in Henderson County
- Freeze $68,248,273 indemnity · 10 years
- Hail $16,425,437 indemnity · 10 years
- Frost $7,007,321 indemnity · 10 years
- Hurricane $3,114,840 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $2,511,387 indemnity · 2 years
- Hurricane/Tropical Depression $1,289,612 indemnity · 5 years
All Other Crops 10 years filed
- 0.10Low end of the filed band
- 3.27Middle of the filed band
- 4.58High end of the filed band
- 2015Worst year filed (10.00)
- 10Years filed
- $2,237,659Premium filed
- $3,852,743Indemnity paid
- $16,180,029Liability insured
- 123Quantity planted
- 123Quantity lost
- 37Policies
- 37Policies with a loss
- 1.72Loss ratio, whole span
Causes that carried the indemnity in Henderson County
- Flood $1,420,598 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $1,265,832 indemnity · 6 years
- Hurricane/Tropical Depression $346,158 indemnity · 2 years
- Heat $309,645 indemnity · 3 years
- Hail $158,533 indemnity · 2 years
- Drought $152,516 indemnity · 1 years
Fresh Market Tomatoes 5 years filed
- 6.83Low end of the filed band
- 8.46Middle of the filed band
- 12.42High end of the filed band
- 2022Worst year filed (12.42)
- 5Years filed
- $294,718Premium filed
- $2,524,679Indemnity paid
- $4,059,909Liability insured
- 623Quantity planted
- 623Quantity lost
- 51Policies
- 51Policies with a loss
- 8.57Loss ratio, whole span
Causes that carried the indemnity in Henderson County
- Excess Moisture/Precipitation/Rain $1,421,735 indemnity · 5 years
- Hurricane/Tropical Depression $376,279 indemnity · 2 years
- Hurricane $372,738 indemnity · 1 years
- Flood $138,020 indemnity · 2 years
- Hail $87,524 indemnity · 3 years
- Heat $62,345 indemnity · 1 years
Every county-crop the agency files in North Carolina → Buy the Henderson 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.