Crop-loss band · Texas
Clay County, Texas — crop-loss band
- 1.35Low end of the filed band
- 1.67Middle of the filed band
- 2.52High end of the filed band
- 2018Worst year filed (3.00)
- 10Years filed
Every year the Risk Management Agency has filed for Clay County is in the series below, from 2015 to 2022. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.35 at the low end to 2.52 at the high end, with 1.67 in the middle. The worst year filed is 2018, at 3.00. 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 | $539,582 | $900,781 | $2,077,797 | 148 | 148 | 1.67 |
| 2016 | $523,005 | $756,844 | $1,644,294 | 157 | 155 | 1.45 |
| 2017 | $361,559 | $716,153 | $1,479,075 | 155 | 155 | 1.98 |
| 2018 | $394,015 | $1,180,933 | $1,793,288 | 119 | 119 | 3.00 |
| 2019 | $666,429 | $1,084,807 | $2,232,243 | 154 | 153 | 1.63 |
| 2020 | $413,098 | $899,263 | $1,476,954 | 113 | 113 | 2.18 |
| 2021 | $368,485 | $496,900 | $1,509,206 | 121 | 121 | 1.35 |
| 2022 | $1,454,198 | $3,670,666 | $5,770,397 | 367 | 367 | 2.52 |
| 2023 | $984,011 | $1,526,667 | $4,304,055 | 327 | 327 | 1.55 |
| 2024 | $614,770 | $1,188,622 | $2,406,752 | 199 | 199 | 1.93 |
Commodities insured in Clay 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.
Wheat 10 years filed
- 0.87Low end of the filed band
- 1.82Middle of the filed band
- 2.78High end of the filed band
- 2022Worst year filed (3.54)
- 10Years filed
- $2,155,057Premium filed
- $4,644,692Indemnity paid
- $7,193,706Liability insured
- 62,209Quantity planted
- 62,527Quantity lost
- 423Policies
- 420Policies with a loss
- 2.16Loss ratio, whole span
Causes that carried the indemnity in Clay County
- Excess Moisture/Precipitation/Rain $1,821,945 indemnity · 8 years
- Drought $1,539,780 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $393,700 indemnity · 5 years
- Freeze $357,355 indemnity · 4 years
- Wind/Excess Wind $177,573 indemnity · 4 years
- Decline in Price $89,626 indemnity · 6 years
Pasture,Rangeland,Forage 10 years filed
- 0.40Low end of the filed band
- 1.23Middle of the filed band
- 1.90High end of the filed band
- 2024Worst year filed (2.68)
- 10Years filed
- $1,708,722Premium filed
- $2,512,705Indemnity paid
- $8,539,428Liability insured
- 289,414Quantity planted
- 0Quantity lost
- 1,131Policies
- 1,131Policies with a loss
- 1.47Loss ratio, whole span
Causes that carried the indemnity in Clay County
- ARPI/SCO/STAX Crops Only $2,512,705 indemnity · 10 years
Cotton 9 years filed
- 0.17Low end of the filed band
- 1.95Middle of the filed band
- 2.72High end of the filed band
- 2023Worst year filed (2.72)
- 9Years filed
- $1,106,175Premium filed
- $2,347,561Indemnity paid
- $3,084,311Liability insured
- 11,591Quantity planted
- 15,714Quantity lost
- 79Policies
- 79Policies with a loss
- 2.12Loss ratio, whole span
Causes that carried the indemnity in Clay County
- Drought $1,714,962 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $387,610 indemnity · 3 years
- Freeze $169,321 indemnity · 2 years
- Tornado $22,515 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $20,167 indemnity · 2 years
- Heat $14,581 indemnity · 1 years
All Other Crops 7 years filed
- 0.74Low end of the filed band
- 3.04Middle of the filed band
- 5.42High end of the filed band
- 2018Worst year filed (5.42)
- 7Years filed
- $372,230Premium filed
- $1,410,616Indemnity paid
- $1,974,117Liability insured
- 18,070Quantity planted
- 1,747Quantity lost
- 20Policies
- 20Policies with a loss
- 3.79Loss ratio, whole span
Causes that carried the indemnity in Clay County
- Freeze $674,127 indemnity · 2 years
- Heat $316,834 indemnity · 2 years
- Hot Wind $209,408 indemnity · 1 years
- Hail $158,876 indemnity · 1 years
- ARPI/SCO/STAX/MP Crops Only $47,658 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $3,714 indemnity · 1 years
Annual Forage 7 years filed
- 0.73Low end of the filed band
- 1.44Middle of the filed band
- 2.10High end of the filed band
- 2022Worst year filed (2.10)
- 7Years filed
- $714,576Premium filed
- $1,033,572Indemnity paid
- $3,357,666Liability insured
- 12,974Quantity planted
- 0Quantity lost
- 144Policies
- 144Policies with a loss
- 1.45Loss ratio, whole span
Causes that carried the indemnity in Clay County
- ARPI/SCO/STAX Crops Only $1,033,572 indemnity · 7 years
Peaches 8 years filed
- 0.83Low end of the filed band
- 1.75Middle of the filed band
- 2.56High end of the filed band
- 2020Worst year filed (2.56)
- 8Years filed
- $262,391Premium filed
- $472,490Indemnity paid
- $544,832Liability insured
- 331Quantity planted
- 331Quantity lost
- 63Policies
- 63Policies with a loss
- 1.80Loss ratio, whole span
Causes that carried the indemnity in Clay County
- Freeze $241,063 indemnity · 5 years
- Hail $106,847 indemnity · 5 years
- Heat $75,514 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $23,942 indemnity · 2 years
- Tornado $23,453 indemnity · 1 years
- Insufficient Chilling Hours $973 indemnity · 1 years
Every county-crop the agency files in Texas → Buy the Clay 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.