Crop-loss band · Tennessee
Rutherford County, Tennessee — crop-loss band
- 0.65Low end of the filed band
- 1.83Middle of the filed band
- 2.75High end of the filed band
- 2024Worst year filed (4.46)
- 10Years filed
Every year the Risk Management Agency has filed for Rutherford 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 0.65 at the low end to 2.75 at the high end, with 1.83 in the middle. The worst year filed is 2024, at 4.46. 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 | $47,796 | $80,412 | $270,798 | 10 | 10 | 1.68 |
| 2016 | $115,205 | $251,003 | $947,344 | 30 | 30 | 2.18 |
| 2017 | $175,434 | $320,744 | $1,228,788 | 55 | 54 | 1.83 |
| 2018 | $236,410 | $372,087 | $2,028,767 | 48 | 48 | 1.57 |
| 2019 | $235,043 | $527,049 | $1,773,721 | 45 | 44 | 2.24 |
| 2020 | $100,861 | $277,054 | $855,887 | 30 | 30 | 2.75 |
| 2021 | $90,364 | $58,936 | $709,029 | 32 | 32 | 0.65 |
| 2022 | $784,957 | $1,424,507 | $5,452,369 | 55 | 55 | 1.81 |
| 2023 | $402,424 | $862,209 | $2,677,018 | 58 | 58 | 2.14 |
| 2024 | $780,469 | $3,480,223 | $7,112,180 | 115 | 115 | 4.46 |
Commodities insured in Rutherford 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
- 0.77Low end of the filed band
- 1.85Middle of the filed band
- 3.27High end of the filed band
- 2024Worst year filed (5.25)
- 10Years filed
- $1,082,730Premium filed
- $3,278,241Indemnity paid
- $10,413,304Liability insured
- 27,235Quantity planted
- 25,719Quantity lost
- 160Policies
- 158Policies with a loss
- 3.03Loss ratio, whole span
Causes that carried the indemnity in Rutherford County
- Drought $1,969,054 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $527,378 indemnity · 10 years
- Heat $402,443 indemnity · 4 years
- ARPI/SCO/STAX/MP Crops Only $342,486 indemnity · 2 years
- Decline in Price $19,952 indemnity · 6 years
- All Other Causes $8,185 indemnity · 1 years
Corn 8 years filed
- 0.25Low end of the filed band
- 1.47Middle of the filed band
- 5.66High end of the filed band
- 2020Worst year filed (5.66)
- 8Years filed
- $1,300,551Premium filed
- $3,017,858Indemnity paid
- $8,432,575Liability insured
- 11,907Quantity planted
- 11,595Quantity lost
- 91Policies
- 91Policies with a loss
- 2.32Loss ratio, whole span
Causes that carried the indemnity in Rutherford County
- Drought $1,680,733 indemnity · 6 years
- Heat $638,151 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $470,950 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $187,080 indemnity · 6 years
- Decline in Price $18,732 indemnity · 2 years
- Cold Wet Weather $15,550 indemnity · 3 years
Wheat 9 years filed
- 1.22Low end of the filed band
- 3.38Middle of the filed band
- 5.16High end of the filed band
- 2024Worst year filed (5.16)
- 9Years filed
- $293,741Premium filed
- $844,771Indemnity paid
- $1,952,717Liability insured
- 8,172Quantity planted
- 8,241Quantity lost
- 46Policies
- 46Policies with a loss
- 2.88Loss ratio, whole span
Causes that carried the indemnity in Rutherford County
- Excess Moisture/Precipitation/Rain $581,525 indemnity · 8 years
- Drought $87,968 indemnity · 1 years
- Freeze $75,410 indemnity · 2 years
- Cold Wet Weather $42,788 indemnity · 2 years
- Flood $26,926 indemnity · 1 years
- Falling Numbers $24,374 indemnity · 1 years
Pasture,Rangeland,Forage 9 years filed
- 0.56Low end of the filed band
- 1.08Middle of the filed band
- 3.01High end of the filed band
- 2023Worst year filed (3.01)
- 9Years filed
- $291,941Premium filed
- $513,354Indemnity paid
- $2,257,305Liability insured
- 8,585Quantity planted
- 0Quantity lost
- 181Policies
- 181Policies with a loss
- 1.76Loss ratio, whole span
Causes that carried the indemnity in Rutherford County
- ARPI/SCO/STAX/MP Crops Only $513,354 indemnity · 9 years
Every county-crop the agency files in Tennessee → Buy the Rutherford 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.