Crop-loss band · New York
Orange County, New York — crop-loss band
- 2.31Low end of the filed band
- 2.51Middle of the filed band
- 2.85High end of the filed band
- 2023Worst year filed (3.18)
- 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 2.31 at the low end to 2.85 at the high end, with 2.51 in the middle. The worst year filed is 2023, at 3.18. 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 | $919,777 | $2,234,282 | $2,909,658 | 32 | 32 | 2.43 |
| 2016 | $810,482 | $2,037,636 | $2,999,833 | 48 | 48 | 2.51 |
| 2017 | $209,498 | $576,904 | $668,392 | 26 | 26 | 2.75 |
| 2018 | $1,582,363 | $3,654,949 | $5,031,447 | 72 | 72 | 2.31 |
| 2019 | $222,554 | $562,958 | $836,206 | 26 | 26 | 2.53 |
| 2020 | $480,804 | $1,255,192 | $2,547,924 | 35 | 35 | 2.61 |
| 2021 | $607,149 | $1,480,293 | $1,954,174 | 36 | 36 | 2.44 |
| 2022 | $547,777 | $1,561,015 | $2,857,339 | 58 | 58 | 2.85 |
| 2023 | $1,662,742 | $5,289,889 | $6,595,594 | 76 | 76 | 3.18 |
| 2024 | $605,631 | $1,410,600 | $1,745,568 | 48 | 48 | 2.33 |
Commodities insured in Orange 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.
Onions 10 years filed
- 1.71Low end of the filed band
- 2.37Middle of the filed band
- 2.78High end of the filed band
- 2023Worst year filed (3.25)
- 10Years filed
- $6,322,285Premium filed
- $16,094,616Indemnity paid
- $19,838,475Liability insured
- 7,167Quantity planted
- 7,157Quantity lost
- 310Policies
- 310Policies with a loss
- 2.55Loss ratio, whole span
Causes that carried the indemnity in Orange County
- Excess Moisture/Precipitation/Rain $6,649,106 indemnity · 10 years
- Heat $6,203,531 indemnity · 9 years
- Flood $2,066,146 indemnity · 3 years
- ARPI/SCO/STAX/MP Crops Only $476,364 indemnity · 2 years
- Drought $280,642 indemnity · 2 years
- Cold Wet Weather $124,305 indemnity · 4 years
Apples 9 years filed
- 1.46Low end of the filed band
- 2.77Middle of the filed band
- 3.94High end of the filed band
- 2022Worst year filed (3.94)
- 9Years filed
- $1,074,461Premium filed
- $3,154,198Indemnity paid
- $6,200,981Liability insured
- 1,316Quantity planted
- 1,316Quantity lost
- 95Policies
- 95Policies with a loss
- 2.94Loss ratio, whole span
Causes that carried the indemnity in Orange County
- Freeze $1,506,010 indemnity · 5 years
- ARPI/SCO/STAX/MP/HIP WI Crops Only $473,302 indemnity · 3 years
- Heat $405,535 indemnity · 5 years
- Hail $298,478 indemnity · 6 years
- Cold Wet Weather $256,459 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $96,839 indemnity · 4 years
Corn 9 years filed
- 1.53Low end of the filed band
- 4.23Middle of the filed band
- 15.68High end of the filed band
- 2019Worst year filed (15.68)
- 9Years filed
- $252,031Premium filed
- $814,904Indemnity paid
- $2,106,679Liability insured
- 4,276Quantity planted
- 4,203Quantity lost
- 52Policies
- 52Policies with a loss
- 3.23Loss ratio, whole span
Causes that carried the indemnity in Orange County
- Drought $542,871 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $240,835 indemnity · 5 years
- Heat $12,245 indemnity · 2 years
- Decline in Price $11,914 indemnity · 1 years
- Plant Disease $7,039 indemnity · 1 years
Every county-crop the agency files in New York → 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.