Crop-loss band · Texas
Bell County, Texas — crop-loss band
- 1.77Low end of the filed band
- 2.38Middle of the filed band
- 2.67High end of the filed band
- 2024Worst year filed (2.71)
- 10Years filed
Every year the Risk Management Agency has filed for Bell 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 1.77 at the low end to 2.67 at the high end, with 2.38 in the middle. The worst year filed is 2024, at 2.71. 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 | $2,083,013 | $3,693,286 | $11,470,100 | 697 | 697 | 1.77 |
| 2016 | $3,221,749 | $7,902,811 | $17,727,505 | 1,019 | 1,006 | 2.45 |
| 2017 | $462,019 | $855,841 | $2,281,915 | 442 | 442 | 1.85 |
| 2018 | $3,500,188 | $9,334,345 | $21,877,448 | 1,032 | 1,032 | 2.67 |
| 2019 | $982,742 | $2,338,345 | $5,481,766 | 526 | 526 | 2.38 |
| 2020 | $863,453 | $1,988,471 | $4,603,369 | 560 | 560 | 2.30 |
| 2021 | $960,988 | $2,018,541 | $5,235,589 | 692 | 692 | 2.10 |
| 2022 | $6,108,572 | $15,262,016 | $37,614,093 | 1,419 | 1,419 | 2.50 |
| 2023 | $1,908,853 | $4,874,112 | $9,819,559 | 1,075 | 1,075 | 2.55 |
| 2024 | $4,098,789 | $11,102,583 | $23,447,804 | 1,256 | 1,256 | 2.71 |
Commodities insured in Bell County
6 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
- 1.20Low end of the filed band
- 2.37Middle of the filed band
- 2.54High end of the filed band
- 2018Worst year filed (2.82)
- 10Years filed
- $13,315,255Premium filed
- $32,409,817Indemnity paid
- $81,628,060Liability insured
- 255,974Quantity planted
- 276,385Quantity lost
- 2,022Policies
- 2,010Policies with a loss
- 2.43Loss ratio, whole span
Causes that carried the indemnity in Bell County
- Drought $13,958,389 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $10,419,677 indemnity · 9 years
- Hail $3,135,930 indemnity · 2 years
- ARPI/SCO/STAX Crops Only $1,695,639 indemnity · 5 years
- Heat $1,296,992 indemnity · 5 years
- Mycotoxin $825,129 indemnity · 5 years
Pasture,Rangeland,Forage 10 years filed
- 1.80Low end of the filed band
- 2.13Middle of the filed band
- 2.44High end of the filed band
- 2024Worst year filed (2.51)
- 10Years filed
- $5,566,105Premium filed
- $12,037,857Indemnity paid
- $26,774,718Liability insured
- 385,656Quantity planted
- 0Quantity lost
- 4,932Policies
- 4,932Policies with a loss
- 2.16Loss ratio, whole span
Causes that carried the indemnity in Bell County
- ARPI/SCO/STAX Crops Only $12,037,857 indemnity · 10 years
Cotton 10 years filed
- 1.35Low end of the filed band
- 2.64Middle of the filed band
- 3.65High end of the filed band
- 2021Worst year filed (10.58)
- 10Years filed
- $2,790,208Premium filed
- $7,937,666Indemnity paid
- $15,660,499Liability insured
- 29,867Quantity planted
- 52,133Quantity lost
- 433Policies
- 433Policies with a loss
- 2.84Loss ratio, whole span
Causes that carried the indemnity in Bell County
- Drought $3,282,596 indemnity · 7 years
- ARPI/SCO/STAX Crops Only $2,617,163 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $1,180,369 indemnity · 8 years
- Heat $397,065 indemnity · 3 years
- Hail $300,102 indemnity · 3 years
- Hot Wind $77,785 indemnity · 2 years
Wheat 10 years filed
- 1.07Low end of the filed band
- 1.99Middle of the filed band
- 2.99High end of the filed band
- 2024Worst year filed (4.12)
- 10Years filed
- $1,485,767Premium filed
- $4,331,559Indemnity paid
- $8,259,740Liability insured
- 43,966Quantity planted
- 44,131Quantity lost
- 653Policies
- 653Policies with a loss
- 2.92Loss ratio, whole span
Causes that carried the indemnity in Bell County
- Excess Moisture/Precipitation/Rain $2,040,495 indemnity · 9 years
- Hail $973,246 indemnity · 7 years
- Drought $708,434 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $213,022 indemnity · 4 years
- Insects $98,533 indemnity · 2 years
- Freeze $90,257 indemnity · 2 years
Grain Sorghum 10 years filed
- 1.92Low end of the filed band
- 3.49Middle of the filed band
- 4.07High end of the filed band
- 2021Worst year filed (4.94)
- 10Years filed
- $543,781Premium filed
- $1,668,172Indemnity paid
- $4,982,927Liability insured
- 23,168Quantity planted
- 23,685Quantity lost
- 310Policies
- 309Policies with a loss
- 3.07Loss ratio, whole span
Causes that carried the indemnity in Bell County
- Excess Moisture/Precipitation/Rain $1,138,090 indemnity · 8 years
- Drought $209,410 indemnity · 7 years
- Hail $85,475 indemnity · 1 years
- Decline in Price $75,270 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $73,002 indemnity · 3 years
- Heat $50,489 indemnity · 4 years
Annual Forage 10 years filed
- 0.89Low end of the filed band
- 1.97Middle of the filed band
- 2.61High end of the filed band
- 2019Worst year filed (2.74)
- 10Years filed
- $489,250Premium filed
- $985,280Indemnity paid
- $2,253,204Liability insured
- 8,649Quantity planted
- 0Quantity lost
- 368Policies
- 368Policies with a loss
- 2.01Loss ratio, whole span
Causes that carried the indemnity in Bell County
- ARPI/SCO/STAX Crops Only $985,280 indemnity · 10 years
Every county-crop the agency files in Texas → Buy the Bell 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.