Crop-loss band · Pennsylvania
Berks County, Pennsylvania — crop-loss band
- 1.28Low end of the filed band
- 1.68Middle of the filed band
- 2.86High end of the filed band
- 2022Worst year filed (2.96)
- 10Years filed
Every year the Risk Management Agency has filed for Berks 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 1.28 at the low end to 2.86 at the high end, with 1.68 in the middle. The worst year filed is 2022, at 2.96. 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 | $62,296 | $89,659 | $491,892 | 34 | 34 | 1.44 |
| 2016 | $759,132 | $1,509,527 | $5,854,352 | 210 | 208 | 1.99 |
| 2017 | $64,965 | $131,157 | $630,203 | 43 | 43 | 2.02 |
| 2018 | $327,345 | $545,207 | $2,704,727 | 101 | 98 | 1.67 |
| 2019 | $209,619 | $600,015 | $1,683,046 | 79 | 78 | 2.86 |
| 2020 | $548,804 | $850,754 | $2,919,602 | 65 | 65 | 1.55 |
| 2021 | $313,479 | $401,322 | $1,507,352 | 34 | 33 | 1.28 |
| 2022 | $1,777,134 | $5,258,753 | $14,805,791 | 312 | 312 | 2.96 |
| 2023 | $179,316 | $300,449 | $1,809,160 | 55 | 55 | 1.68 |
| 2024 | $1,046,114 | $2,254,140 | $8,749,299 | 202 | 202 | 2.15 |
Commodities insured in Berks 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
- 1.04Low end of the filed band
- 2.06Middle of the filed band
- 2.95High end of the filed band
- 2022Worst year filed (3.50)
- 10Years filed
- $2,371,126Premium filed
- $6,253,750Indemnity paid
- $22,789,396Liability insured
- 45,058Quantity planted
- 43,474Quantity lost
- 674Policies
- 668Policies with a loss
- 2.64Loss ratio, whole span
Causes that carried the indemnity in Berks County
- Drought $4,636,228 indemnity · 9 years
- Heat $701,241 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $447,739 indemnity · 9 years
- Wildlife $342,972 indemnity · 10 years
- Decline in Price $51,999 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $34,459 indemnity · 2 years
Apples 8 years filed
- 0.94Low end of the filed band
- 1.63Middle of the filed band
- 4.55High end of the filed band
- 2019Worst year filed (4.55)
- 8Years filed
- $1,856,892Premium filed
- $3,092,505Indemnity paid
- $7,178,339Liability insured
- 862Quantity planted
- 874Quantity lost
- 40Policies
- 40Policies with a loss
- 1.67Loss ratio, whole span
Causes that carried the indemnity in Berks County
- Freeze $1,136,346 indemnity · 5 years
- Frost $977,108 indemnity · 3 years
- Hail $632,535 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $231,282 indemnity · 3 years
- Heat $71,969 indemnity · 3 years
- Drought $28,689 indemnity · 1 years
Soybeans 10 years filed
- 1.15Low end of the filed band
- 1.92Middle of the filed band
- 2.58High end of the filed band
- 2022Worst year filed (2.90)
- 10Years filed
- $1,060,186Premium filed
- $2,594,728Indemnity paid
- $11,187,689Liability insured
- 25,798Quantity planted
- 25,037Quantity lost
- 421Policies
- 420Policies with a loss
- 2.45Loss ratio, whole span
Causes that carried the indemnity in Berks County
- Drought $1,858,536 indemnity · 9 years
- Heat $253,631 indemnity · 4 years
- Wildlife $211,929 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $195,932 indemnity · 8 years
- Decline in Price $34,268 indemnity · 5 years
- Cold Wet Weather $16,157 indemnity · 4 years
Every county-crop the agency files in Pennsylvania → Buy the Berks 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.