Crop-loss band · Tennessee
Hardin County, Tennessee — crop-loss band
- 1.15Low end of the filed band
- 1.70Middle of the filed band
- 2.90High end of the filed band
- 2024Worst year filed (3.08)
- 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 1.15 at the low end to 2.90 at the high end, with 1.70 in the middle. The worst year filed is 2024, at 3.08. 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 | $230,723 | $402,284 | $1,418,434 | 63 | 56 | 1.74 |
| 2016 | $262,904 | $445,979 | $1,514,459 | 48 | 47 | 1.70 |
| 2017 | $294,172 | $352,322 | $1,844,022 | 40 | 40 | 1.20 |
| 2018 | $605,572 | $1,757,408 | $4,811,768 | 103 | 103 | 2.90 |
| 2019 | $238,784 | $391,153 | $2,058,502 | 57 | 57 | 1.64 |
| 2020 | $400,456 | $925,220 | $2,820,705 | 60 | 60 | 2.31 |
| 2021 | $402,511 | $460,915 | $3,309,989 | 53 | 53 | 1.15 |
| 2022 | $1,199,596 | $2,753,458 | $8,764,105 | 88 | 88 | 2.30 |
| 2023 | $380,796 | $451,420 | $3,338,445 | 41 | 41 | 1.19 |
| 2024 | $949,569 | $2,926,676 | $8,719,196 | 116 | 116 | 3.08 |
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.
Soybeans 10 years filed
- 0.95Low end of the filed band
- 1.42Middle of the filed band
- 2.94High end of the filed band
- 2024Worst year filed (3.26)
- 10Years filed
- $3,392,295Premium filed
- $7,204,306Indemnity paid
- $28,236,089Liability insured
- 90,055Quantity planted
- 77,044Quantity lost
- 490Policies
- 485Policies with a loss
- 2.12Loss ratio, whole span
Causes that carried the indemnity in Hardin County
- Drought $3,132,045 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $2,721,155 indemnity · 10 years
- Heat $711,556 indemnity · 4 years
- Decline in Price $320,612 indemnity · 5 years
- Wildlife $158,748 indemnity · 8 years
- Insects $73,448 indemnity · 1 years
Corn 10 years filed
- 0.27Low end of the filed band
- 2.04Middle of the filed band
- 2.86High end of the filed band
- 2020Worst year filed (2.96)
- 10Years filed
- $1,572,788Premium filed
- $3,662,529Indemnity paid
- $10,363,536Liability insured
- 26,836Quantity planted
- 23,718Quantity lost
- 179Policies
- 176Policies with a loss
- 2.33Loss ratio, whole span
Causes that carried the indemnity in Hardin County
- Excess Moisture/Precipitation/Rain $1,838,429 indemnity · 10 years
- Drought $1,620,479 indemnity · 4 years
- Decline in Price $82,575 indemnity · 3 years
- Heat $67,670 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $25,931 indemnity · 2 years
- Cold Wet Weather $18,203 indemnity · 1 years
Every county-crop the agency files in Tennessee → 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.