Crop-loss band · Nebraska
Howard County, Nebraska — crop-loss band
- 1.90Low end of the filed band
- 2.53Middle of the filed band
- 4.50High end of the filed band
- 2018Worst year filed (5.20)
- 10Years filed
Every year the Risk Management Agency has filed for Howard 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 1.90 at the low end to 4.50 at the high end, with 2.53 in the middle. The worst year filed is 2018, at 5.20. 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 | $596,699 | $1,508,465 | $5,253,298 | 246 | 245 | 2.53 |
| 2016 | $300,254 | $630,208 | $3,267,317 | 149 | 149 | 2.10 |
| 2017 | $446,508 | $982,108 | $5,330,435 | 180 | 180 | 2.20 |
| 2018 | $602,826 | $3,135,429 | $9,711,892 | 216 | 216 | 5.20 |
| 2019 | $773,677 | $3,481,444 | $10,641,704 | 259 | 259 | 4.50 |
| 2020 | $612,732 | $2,161,867 | $7,709,826 | 234 | 234 | 3.53 |
| 2021 | $567,727 | $1,076,946 | $3,682,240 | 147 | 147 | 1.90 |
| 2022 | $4,070,243 | $16,056,214 | $37,312,081 | 896 | 896 | 3.94 |
| 2023 | $2,934,107 | $7,602,521 | $24,897,692 | 813 | 813 | 2.59 |
| 2024 | $1,638,219 | $3,403,002 | $19,855,299 | 398 | 398 | 2.08 |
Commodities insured in Howard 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.
Corn 10 years filed
- 2.02Low end of the filed band
- 2.57Middle of the filed band
- 4.35High end of the filed band
- 2022Worst year filed (4.55)
- 10Years filed
- $8,286,894Premium filed
- $27,762,140Indemnity paid
- $86,675,928Liability insured
- 132,077Quantity planted
- 132,998Quantity lost
- 1,899Policies
- 1,898Policies with a loss
- 3.35Loss ratio, whole span
Causes that carried the indemnity in Howard County
- Hail $8,271,507 indemnity · 10 years
- Drought $6,938,333 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $4,629,301 indemnity · 10 years
- Wind/Excess Wind $2,692,084 indemnity · 10 years
- Heat $2,532,857 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $1,061,110 indemnity · 3 years
Soybeans 10 years filed
- 1.08Low end of the filed band
- 2.54Middle of the filed band
- 5.41High end of the filed band
- 2018Worst year filed (6.36)
- 10Years filed
- $3,571,105Premium filed
- $10,769,565Indemnity paid
- $37,107,555Liability insured
- 67,567Quantity planted
- 69,078Quantity lost
- 1,155Policies
- 1,155Policies with a loss
- 3.02Loss ratio, whole span
Causes that carried the indemnity in Howard County
- Hail $4,212,531 indemnity · 10 years
- Drought $2,420,695 indemnity · 8 years
- Heat $1,839,493 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $938,543 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $378,288 indemnity · 3 years
- Decline in Price $368,710 indemnity · 7 years
Pasture,Rangeland,Forage 10 years filed
- 1.28Low end of the filed band
- 1.77Middle of the filed band
- 2.39High end of the filed band
- 2022Worst year filed (2.56)
- 10Years filed
- $684,993Premium filed
- $1,506,499Indemnity paid
- $3,878,300Liability insured
- 63,020Quantity planted
- 0Quantity lost
- 484Policies
- 484Policies with a loss
- 2.20Loss ratio, whole span
Causes that carried the indemnity in Howard County
- ARPI/SCO/STAX Crops Only $1,506,499 indemnity · 10 years
Every county-crop the agency files in Nebraska → Buy the Howard 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.