Crop-loss band · New York
Herkimer County, New York — crop-loss band
- 0.92Low end of the filed band
- 2.02Middle of the filed band
- 3.13High end of the filed band
- 2022Worst year filed (3.51)
- 10Years filed
Every year the Risk Management Agency has filed for Herkimer 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 0.92 at the low end to 3.13 at the high end, with 2.02 in the middle. The worst year filed is 2022, at 3.51. 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 | $175,297 | $353,538 | $1,006,201 | 35 | 35 | 2.02 |
| 2016 | $93,540 | $292,827 | $459,617 | 16 | 16 | 3.13 |
| 2017 | $201,529 | $487,875 | $1,408,383 | 41 | 41 | 2.42 |
| 2018 | $62,177 | $192,742 | $409,115 | 29 | 29 | 3.10 |
| 2019 | $276,466 | $806,782 | $1,762,894 | 48 | 48 | 2.92 |
| 2020 | $93,176 | $179,273 | $619,887 | 13 | 13 | 1.92 |
| 2021 | $131,243 | $163,193 | $947,688 | 17 | 17 | 1.24 |
| 2022 | $2,234 | $7,832 | $7,832 | 1 | 1 | 3.51 |
| 2023 | $195,106 | $178,615 | $1,382,226 | 12 | 12 | 0.92 |
| 2024 | $50,095 | $86,596 | $377,114 | 21 | 21 | 1.73 |
Commodities insured in Herkimer County
2 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 7 years filed
- 2.01Low end of the filed band
- 3.02Middle of the filed band
- 3.51High end of the filed band
- 2022Worst year filed (3.51)
- 7Years filed
- $874,127Premium filed
- $2,281,978Indemnity paid
- $5,327,416Liability insured
- 14,084Quantity planted
- 14,088Quantity lost
- 171Policies
- 171Policies with a loss
- 2.61Loss ratio, whole span
Causes that carried the indemnity in Herkimer County
- Excess Moisture/Precipitation/Rain $1,550,288 indemnity · 5 years
- Drought $580,629 indemnity · 4 years
- Cold Wet Weather $78,493 indemnity · 3 years
- All Other Causes $39,182 indemnity · 2 years
- Wildlife $16,658 indemnity · 4 years
- Decline in Price $16,190 indemnity · 3 years
All Other Crops 6 years filed
- 0.61Low end of the filed band
- 1.24Middle of the filed band
- 1.73High end of the filed band
- 2024Worst year filed (1.73)
- 6Years filed
- $406,736Premium filed
- $467,295Indemnity paid
- $3,053,541Liability insured
- 5,776Quantity planted
- 3,863Quantity lost
- 62Policies
- 62Policies with a loss
- 1.15Loss ratio, whole span
Causes that carried the indemnity in Herkimer County
- Excess Moisture/Precipitation/Rain $232,014 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $94,328 indemnity · 5 years
- Drought $92,121 indemnity · 2 years
- All Other Causes $18,384 indemnity · 2 years
- Cold Wet Weather $15,742 indemnity · 1 years
- Decline in Price $9,729 indemnity · 2 years
Every county-crop the agency files in New York → Buy the Herkimer 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.