Crop-loss band · Ohio
Hardin County, Ohio — crop-loss band
- 0.54Low end of the filed band
- 1.35Middle of the filed band
- 3.09High end of the filed band
- 2019Worst year filed (5.92)
- 10Years filed
Every year the Risk Management Agency has filed for Hardin 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 0.54 at the low end to 3.09 at the high end, with 1.35 in the middle. The worst year filed is 2019, at 5.92. 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 | $4,898,407 | $15,122,334 | $62,371,709 | 740 | 740 | 3.09 |
| 2016 | $1,018,191 | $1,304,898 | $10,969,085 | 177 | 176 | 1.28 |
| 2017 | $5,116,381 | $7,826,387 | $60,851,064 | 787 | 784 | 1.53 |
| 2018 | $272,134 | $502,452 | $3,899,293 | 86 | 86 | 1.85 |
| 2019 | $4,993,384 | $29,557,164 | $49,328,726 | 1,098 | 1,096 | 5.92 |
| 2020 | $1,690,311 | $2,279,374 | $24,585,233 | 317 | 316 | 1.35 |
| 2021 | $1,132,318 | $608,264 | $14,297,919 | 159 | 159 | 0.54 |
| 2022 | $1,676,311 | $1,066,482 | $20,900,728 | 176 | 176 | 0.64 |
| 2023 | $1,042,950 | $784,265 | $14,720,273 | 153 | 153 | 0.75 |
| 2024 | $2,573,408 | $4,065,487 | $34,521,169 | 417 | 417 | 1.58 |
Commodities insured in Hardin 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 10 years filed
- 0.48Low end of the filed band
- 1.28Middle of the filed band
- 3.80High end of the filed band
- 2019Worst year filed (5.56)
- 10Years filed
- $13,636,031Premium filed
- $37,717,040Indemnity paid
- $150,661,316Liability insured
- 286,415Quantity planted
- 262,064Quantity lost
- 1,976Policies
- 1,972Policies with a loss
- 2.77Loss ratio, whole span
Causes that carried the indemnity in Hardin County
- Excess Moisture/Precipitation/Rain $32,078,844 indemnity · 10 years
- Drought $2,130,176 indemnity · 9 years
- Decline in Price $1,444,172 indemnity · 7 years
- Cold Wet Weather $735,214 indemnity · 9 years
- ARPI/SCO/STAX Crops Only $571,805 indemnity · 6 years
- Flood $383,099 indemnity · 3 years
Soybeans 10 years filed
- 0.56Low end of the filed band
- 1.08Middle of the filed band
- 2.64High end of the filed band
- 2019Worst year filed (6.63)
- 10Years filed
- $10,777,764Premium filed
- $25,400,067Indemnity paid
- $145,783,883Liability insured
- 325,396Quantity planted
- 288,672Quantity lost
- 2,134Policies
- 2,131Policies with a loss
- 2.36Loss ratio, whole span
Causes that carried the indemnity in Hardin County
- Excess Moisture/Precipitation/Rain $19,278,691 indemnity · 10 years
- Drought $2,692,483 indemnity · 8 years
- Decline in Price $1,491,739 indemnity · 7 years
- Cold Wet Weather $1,052,041 indemnity · 8 years
- ARPI/SCO/STAX Crops Only $524,249 indemnity · 3 years
- Flood $278,258 indemnity · 4 years
Every county-crop the agency files in Ohio → Buy the Hardin 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.