Crop-loss band · Tennessee
Hardeman County, Tennessee — crop-loss band
- 1.08Low end of the filed band
- 2.25Middle of the filed band
- 4.00High end of the filed band
- 2020Worst year filed (6.46)
- 10Years filed
Every year the Risk Management Agency has filed for Hardeman 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 1.08 at the low end to 4.00 at the high end, with 2.25 in the middle. The worst year filed is 2020, at 6.46. 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 | $254,827 | $456,805 | $1,793,815 | 51 | 46 | 1.79 |
| 2016 | $213,647 | $348,795 | $1,645,726 | 46 | 43 | 1.63 |
| 2017 | $158,450 | $170,551 | $1,136,014 | 27 | 27 | 1.08 |
| 2018 | $237,570 | $533,428 | $2,494,875 | 52 | 52 | 2.25 |
| 2019 | $216,183 | $864,646 | $1,841,209 | 67 | 67 | 4.00 |
| 2020 | $136,701 | $883,675 | $1,909,877 | 67 | 67 | 6.46 |
| 2021 | $124,877 | $232,357 | $1,511,638 | 26 | 26 | 1.86 |
| 2022 | $894,862 | $3,259,413 | $11,557,333 | 84 | 84 | 3.64 |
| 2023 | $272,896 | $882,495 | $2,560,016 | 37 | 37 | 3.23 |
| 2024 | $587,799 | $2,314,583 | $8,756,507 | 131 | 131 | 3.94 |
Commodities insured in Hardeman County
4 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.
Soybeans 10 years filed
- 0.73Low end of the filed band
- 1.93Middle of the filed band
- 3.54High end of the filed band
- 2020Worst year filed (4.93)
- 10Years filed
- $1,587,016Premium filed
- $3,612,007Indemnity paid
- $16,930,148Liability insured
- 54,800Quantity planted
- 43,588Quantity lost
- 349Policies
- 341Policies with a loss
- 2.28Loss ratio, whole span
Causes that carried the indemnity in Hardeman County
- Drought $1,687,044 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $1,541,371 indemnity · 10 years
- Wildlife $294,999 indemnity · 10 years
- Decline in Price $62,790 indemnity · 2 years
- Flood $11,897 indemnity · 1 years
- Heat $8,940 indemnity · 2 years
Corn 10 years filed
- 1.25Low end of the filed band
- 3.53Middle of the filed band
- 5.04High end of the filed band
- 2020Worst year filed (8.07)
- 10Years filed
- $788,380Premium filed
- $3,508,011Indemnity paid
- $9,393,714Liability insured
- 19,986Quantity planted
- 18,821Quantity lost
- 130Policies
- 130Policies with a loss
- 4.45Loss ratio, whole span
Causes that carried the indemnity in Hardeman County
- Drought $2,172,688 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $1,274,336 indemnity · 10 years
- Heat $21,951 indemnity · 2 years
- Cold Wet Weather $20,935 indemnity · 1 years
- Wildlife $16,433 indemnity · 2 years
- Decline in Price $1,669 indemnity · 2 years
Cotton 9 years filed
- 1.92Low end of the filed band
- 4.78Middle of the filed band
- 8.26High end of the filed band
- 2020Worst year filed (8.26)
- 9Years filed
- $472,399Premium filed
- $1,904,271Indemnity paid
- $7,454,424Liability insured
- 14,588Quantity planted
- 19,380Quantity lost
- 86Policies
- 86Policies with a loss
- 4.03Loss ratio, whole span
Causes that carried the indemnity in Hardeman County
- Excess Moisture/Precipitation/Rain $1,082,566 indemnity · 9 years
- Drought $449,024 indemnity · 2 years
- Cold Wet Weather $191,022 indemnity · 3 years
- ARPI/SCO/STAX/MP Crops Only $120,433 indemnity · 3 years
- Decline in Price $32,727 indemnity · 2 years
- Heat $28,499 indemnity · 1 years
Wheat 7 years filed
- 0.33Low end of the filed band
- 3.07Middle of the filed band
- 5.84High end of the filed band
- 2019Worst year filed (5.84)
- 7Years filed
- $250,017Premium filed
- $922,459Indemnity paid
- $1,428,724Liability insured
- 9,735Quantity planted
- 9,735Quantity lost
- 23Policies
- 23Policies with a loss
- 3.69Loss ratio, whole span
Causes that carried the indemnity in Hardeman County
- Excess Moisture/Precipitation/Rain $838,482 indemnity · 7 years
- Drought $83,977 indemnity · 1 years
Every county-crop the agency files in Tennessee → Buy the Hardeman 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.