Crop-loss band · Tennessee
Montgomery County, Tennessee — crop-loss band
- 2.07Low end of the filed band
- 3.50Middle of the filed band
- 4.19High end of the filed band
- 2016Worst year filed (4.25)
- 10Years filed
Every year the Risk Management Agency has filed for Montgomery 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 2.07 at the low end to 4.19 at the high end, with 3.50 in the middle. The worst year filed is 2016, at 4.25. 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 | $319,129 | $662,094 | $2,830,954 | 41 | 41 | 2.07 |
| 2016 | $580,251 | $2,467,284 | $6,422,169 | 84 | 83 | 4.25 |
| 2017 | $267,936 | $1,123,688 | $3,050,843 | 62 | 62 | 4.19 |
| 2018 | $258,737 | $1,052,953 | $2,486,143 | 71 | 71 | 4.07 |
| 2019 | $275,465 | $964,058 | $2,615,020 | 61 | 61 | 3.50 |
| 2020 | $352,050 | $1,399,447 | $3,443,581 | 69 | 69 | 3.98 |
| 2021 | $201,616 | $814,829 | $1,946,802 | 49 | 49 | 4.04 |
| 2022 | $1,033,084 | $3,497,085 | $10,342,375 | 114 | 114 | 3.39 |
| 2023 | $198,170 | $639,474 | $2,588,317 | 57 | 57 | 3.23 |
| 2024 | $843,782 | $1,914,576 | $9,274,202 | 137 | 137 | 2.27 |
Commodities insured in Montgomery 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.
Fire Cured Tobacco 10 years filed
- 4.20Low end of the filed band
- 5.21Middle of the filed band
- 8.00High end of the filed band
- 2021Worst year filed (8.25)
- 10Years filed
- $944,097Premium filed
- $5,194,541Indemnity paid
- $11,553,108Liability insured
- 1,996Quantity planted
- 1,989Quantity lost
- 166Policies
- 166Policies with a loss
- 5.50Loss ratio, whole span
Causes that carried the indemnity in Montgomery County
- Excess Moisture/Precipitation/Rain $3,314,542 indemnity · 9 years
- Plant Disease $544,697 indemnity · 6 years
- Drought $513,265 indemnity · 4 years
- Wind/Excess Wind $317,037 indemnity · 5 years
- Flood $227,863 indemnity · 4 years
- Fire $181,653 indemnity · 4 years
Corn 10 years filed
- 0.46Low end of the filed band
- 2.94Middle of the filed band
- 3.30High end of the filed band
- 2020Worst year filed (3.50)
- 10Years filed
- $1,608,013Premium filed
- $4,388,890Indemnity paid
- $16,221,569Liability insured
- 23,867Quantity planted
- 22,401Quantity lost
- 229Policies
- 229Policies with a loss
- 2.73Loss ratio, whole span
Causes that carried the indemnity in Montgomery County
- Drought $2,174,776 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $1,173,217 indemnity · 9 years
- Flood $329,826 indemnity · 1 years
- Heat $212,398 indemnity · 2 years
- Wildlife $174,119 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $173,507 indemnity · 2 years
Wheat 10 years filed
- 1.50Low end of the filed band
- 3.74Middle of the filed band
- 4.57High end of the filed band
- 2021Worst year filed (6.35)
- 10Years filed
- $745,566Premium filed
- $2,547,016Indemnity paid
- $5,888,578Liability insured
- 20,769Quantity planted
- 20,769Quantity lost
- 67Policies
- 67Policies with a loss
- 3.42Loss ratio, whole span
Causes that carried the indemnity in Montgomery County
- Excess Moisture/Precipitation/Rain $2,115,262 indemnity · 8 years
- Mycotoxin $109,661 indemnity · 1 years
- Freeze $97,394 indemnity · 2 years
- Cold Wet Weather $88,197 indemnity · 3 years
- Drought $80,320 indemnity · 2 years
- Decline in Price $52,582 indemnity · 2 years
Soybeans 10 years filed
- 1.30Low end of the filed band
- 2.40Middle of the filed band
- 3.33High end of the filed band
- 2020Worst year filed (5.27)
- 10Years filed
- $1,032,544Premium filed
- $2,405,041Indemnity paid
- $11,337,151Liability insured
- 29,502Quantity planted
- 26,727Quantity lost
- 283Policies
- 282Policies with a loss
- 2.33Loss ratio, whole span
Causes that carried the indemnity in Montgomery County
- Drought $1,114,425 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $619,159 indemnity · 10 years
- Wildlife $499,886 indemnity · 10 years
- Decline in Price $119,224 indemnity · 5 years
- Heat $24,746 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $24,383 indemnity · 1 years
Every county-crop the agency files in Tennessee → Buy the Montgomery 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.