Crop-loss band · North Carolina
Orange County, North Carolina — crop-loss band
- 2.08Low end of the filed band
- 2.77Middle of the filed band
- 5.21High end of the filed band
- 2018Worst year filed (5.57)
- 10Years filed
Every year the Risk Management Agency has filed for Orange 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 2.08 at the low end to 5.21 at the high end, with 2.77 in the middle. The worst year filed is 2018, at 5.57. 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 | $137,912 | $287,395 | $683,851 | 68 | 68 | 2.08 |
| 2016 | $153,945 | $661,362 | $1,241,677 | 64 | 64 | 4.30 |
| 2017 | $128,521 | $482,930 | $1,243,666 | 47 | 47 | 3.76 |
| 2018 | $203,929 | $1,135,243 | $2,074,894 | 77 | 77 | 5.57 |
| 2019 | $329,450 | $1,003,921 | $2,571,172 | 112 | 112 | 3.05 |
| 2020 | $131,959 | $364,880 | $796,896 | 41 | 41 | 2.77 |
| 2021 | $67,740 | $141,102 | $249,511 | 30 | 30 | 2.08 |
| 2022 | $136,657 | $289,172 | $760,635 | 58 | 58 | 2.12 |
| 2023 | $269,267 | $690,238 | $1,580,023 | 61 | 61 | 2.56 |
| 2024 | $440,563 | $2,294,752 | $3,390,528 | 136 | 136 | 5.21 |
Commodities insured in Orange County
4 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
- 5.37Low end of the filed band
- 7.02Middle of the filed band
- 8.83High end of the filed band
- 2024Worst year filed (9.10)
- 10Years filed
- $565,687Premium filed
- $4,323,149Indemnity paid
- $8,893,176Liability insured
- 1,911Quantity planted
- 1,911Quantity lost
- 204Policies
- 204Policies with a loss
- 7.64Loss ratio, whole span
Causes that carried the indemnity in Orange County
- Excess Moisture/Precipitation/Rain $1,148,093 indemnity · 8 years
- Drought $750,129 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $688,642 indemnity · 4 years
- Hurricane/Tropical Depression $529,437 indemnity · 3 years
- Wind/Excess Wind $425,188 indemnity · 3 years
- Hail $276,608 indemnity · 3 years
Corn 10 years filed
- 0.99Low end of the filed band
- 1.78Middle of the filed band
- 2.29High end of the filed band
- 2024Worst year filed (4.97)
- 10Years filed
- $417,421Premium filed
- $1,270,610Indemnity paid
- $2,378,715Liability insured
- 5,203Quantity planted
- 5,187Quantity lost
- 102Policies
- 102Policies with a loss
- 3.04Loss ratio, whole span
Causes that carried the indemnity in Orange County
- Drought $628,374 indemnity · 9 years
- Heat $452,671 indemnity · 3 years
- Hurricane/Tropical Depression $67,033 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $53,990 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $52,582 indemnity · 1 years
- Wildlife $7,196 indemnity · 1 years
Soybeans 10 years filed
- 1.37Low end of the filed band
- 1.58Middle of the filed band
- 1.99High end of the filed band
- 2020Worst year filed (2.11)
- 10Years filed
- $727,605Premium filed
- $1,221,378Indemnity paid
- $2,376,807Liability insured
- 10,714Quantity planted
- 11,619Quantity lost
- 280Policies
- 280Policies with a loss
- 1.68Loss ratio, whole span
Causes that carried the indemnity in Orange County
- Drought $622,070 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $258,354 indemnity · 8 years
- Heat $143,980 indemnity · 4 years
- Wildlife $98,377 indemnity · 9 years
- Hurricane/Tropical Depression $76,519 indemnity · 3 years
- All Other Causes $10,680 indemnity · 3 years
Wheat 10 years filed
- 0.98Low end of the filed band
- 1.55Middle of the filed band
- 2.27High end of the filed band
- 2016Worst year filed (2.31)
- 10Years filed
- $289,230Premium filed
- $535,858Indemnity paid
- $944,155Liability insured
- 5,391Quantity planted
- 5,391Quantity lost
- 108Policies
- 108Policies with a loss
- 1.85Loss ratio, whole span
Causes that carried the indemnity in Orange County
- Excess Moisture/Precipitation/Rain $487,023 indemnity · 10 years
- Drought $14,325 indemnity · 2 years
- Freeze $9,172 indemnity · 4 years
- Cold Winter $8,722 indemnity · 2 years
- Hurricane/Tropical Depression $7,022 indemnity · 1 years
- Wildlife $4,804 indemnity · 1 years
Every county-crop the agency files in North Carolina → Buy the Orange 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.