Crop-loss band · Texas
Gaines County, Texas — crop-loss band
- 2.00Low end of the filed band
- 2.23Middle of the filed band
- 2.71High end of the filed band
- 2022Worst year filed (2.72)
- 10Years filed
Every year the Risk Management Agency has filed for Gaines 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 2.00 at the low end to 2.71 at the high end, with 2.23 in the middle. The worst year filed is 2022, at 2.72. 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 | $10,154,246 | $20,283,732 | $43,152,229 | 571 | 570 | 2.00 |
| 2016 | $10,929,391 | $21,827,872 | $46,294,481 | 749 | 748 | 2.00 |
| 2017 | $13,836,710 | $28,487,524 | $52,642,877 | 830 | 828 | 2.06 |
| 2018 | $24,635,191 | $49,167,232 | $86,056,460 | 1,095 | 1,094 | 2.00 |
| 2019 | $27,001,247 | $60,309,399 | $98,362,376 | 1,259 | 1,258 | 2.23 |
| 2020 | $33,036,009 | $87,928,002 | $115,651,354 | 1,493 | 1,493 | 2.66 |
| 2021 | $17,128,033 | $42,674,292 | $68,281,081 | 743 | 742 | 2.49 |
| 2022 | $80,256,442 | $218,166,905 | $245,588,349 | 1,967 | 1,967 | 2.72 |
| 2023 | $75,158,090 | $204,050,040 | $243,140,348 | 2,565 | 2,565 | 2.71 |
| 2024 | $65,112,791 | $169,665,924 | $215,515,701 | 2,336 | 2,336 | 2.61 |
Commodities insured in Gaines County
9 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.
Cotton 10 years filed
- 1.78Low end of the filed band
- 1.97Middle of the filed band
- 2.45High end of the filed band
- 2022Worst year filed (2.47)
- 10Years filed
- $296,265,733Premium filed
- $673,169,505Indemnity paid
- $880,261,583Liability insured
- 1,987,033Quantity planted
- 2,825,854Quantity lost
- 8,549Policies
- 8,545Policies with a loss
- 2.27Loss ratio, whole span
Causes that carried the indemnity in Gaines County
- Hot Wind $192,860,399 indemnity · 10 years
- Heat $149,883,223 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $82,006,343 indemnity · 7 years
- Drought $76,126,216 indemnity · 10 years
- Wind/Excess Wind $68,872,283 indemnity · 10 years
- Hail $52,330,712 indemnity · 10 years
Peanuts 10 years filed
- 3.16Low end of the filed band
- 4.86Middle of the filed band
- 5.63High end of the filed band
- 2022Worst year filed (7.31)
- 10Years filed
- $33,523,360Premium filed
- $175,006,018Indemnity paid
- $246,719,855Liability insured
- 254,365Quantity planted
- 257,312Quantity lost
- 1,749Policies
- 1,747Policies with a loss
- 5.22Loss ratio, whole span
Causes that carried the indemnity in Gaines County
- Heat $72,372,340 indemnity · 10 years
- Hot Wind $40,793,856 indemnity · 10 years
- Wind/Excess Wind $18,520,516 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $18,008,122 indemnity · 6 years
- Hail $8,045,442 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $5,340,680 indemnity · 7 years
Annual Forage 9 years filed
- 1.09Low end of the filed band
- 1.75Middle of the filed band
- 2.46High end of the filed band
- 2019Worst year filed (2.46)
- 9Years filed
- $14,274,823Premium filed
- $25,157,199Indemnity paid
- $41,826,261Liability insured
- 166,820Quantity planted
- 0Quantity lost
- 927Policies
- 927Policies with a loss
- 1.76Loss ratio, whole span
Causes that carried the indemnity in Gaines County
- ARPI/SCO/STAX Crops Only $25,157,199 indemnity · 9 years
Pasture,Rangeland,Forage 10 years filed
- 0.81Low end of the filed band
- 1.52Middle of the filed band
- 2.19High end of the filed band
- 2020Worst year filed (2.57)
- 10Years filed
- $6,177,842Premium filed
- $10,850,268Indemnity paid
- $21,062,500Liability insured
- 669,002Quantity planted
- 0Quantity lost
- 1,945Policies
- 1,945Policies with a loss
- 1.76Loss ratio, whole span
Causes that carried the indemnity in Gaines County
- ARPI/SCO/STAX Crops Only $10,850,268 indemnity · 10 years
Soybeans 5 years filed
- 2.83Low end of the filed band
- 4.15Middle of the filed band
- 7.11High end of the filed band
- 2019Worst year filed (7.11)
- 5Years filed
- $2,253,379Premium filed
- $8,560,751Indemnity paid
- $9,530,301Liability insured
- 14,166Quantity planted
- 14,423Quantity lost
- 63Policies
- 63Policies with a loss
- 3.80Loss ratio, whole span
Causes that carried the indemnity in Gaines County
- Heat $3,470,760 indemnity · 3 years
- Hot Wind $2,115,668 indemnity · 3 years
- Freeze $1,247,846 indemnity · 1 years
- Wind/Excess Wind $903,932 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $598,929 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/PACE Crops Only $162,581 indemnity · 1 years
Pecans 10 years filed
- 1.52Low end of the filed band
- 2.57Middle of the filed band
- 4.01High end of the filed band
- 2015Worst year filed (12.51)
- 10Years filed
- $2,445,578Premium filed
- $5,594,761Indemnity paid
- $8,423,459Liability insured
- 70,780Quantity planted
- 5,372Quantity lost
- 57Policies
- 57Policies with a loss
- 2.29Loss ratio, whole span
Causes that carried the indemnity in Gaines County
- Freeze $3,028,011 indemnity · 6 years
- Heat $925,571 indemnity · 5 years
- Hail $910,712 indemnity · 7 years
- Hot Wind $318,651 indemnity · 2 years
- Insects $315,979 indemnity · 1 years
- Wind/Excess Wind $84,794 indemnity · 2 years
Cotton Ex Long Staple 5 years filed
- 0.69Low end of the filed band
- 2.00Middle of the filed band
- 3.18High end of the filed band
- 2023Worst year filed (3.18)
- 5Years filed
- $913,491Premium filed
- $2,048,299Indemnity paid
- $2,979,047Liability insured
- 4,292Quantity planted
- 4,292Quantity lost
- 52Policies
- 52Policies with a loss
- 2.24Loss ratio, whole span
Causes that carried the indemnity in Gaines County
- Heat $712,355 indemnity · 4 years
- Hot Wind $549,286 indemnity · 4 years
- Wind/Excess Wind $331,796 indemnity · 4 years
- Freeze $288,591 indemnity · 1 years
- Hail $166,272 indemnity · 2 years
Grain Sorghum 10 years filed
- 1.06Low end of the filed band
- 1.48Middle of the filed band
- 2.12High end of the filed band
- 2017Worst year filed (2.39)
- 10Years filed
- $954,420Premium filed
- $1,446,773Indemnity paid
- $1,944,977Liability insured
- 20,431Quantity planted
- 20,436Quantity lost
- 178Policies
- 177Policies with a loss
- 1.52Loss ratio, whole span
Causes that carried the indemnity in Gaines County
- Hot Wind $442,293 indemnity · 7 years
- Heat $354,118 indemnity · 8 years
- Drought $171,395 indemnity · 8 years
- Decline in Price $170,574 indemnity · 4 years
- Wind/Excess Wind $122,577 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $122,556 indemnity · 4 years
Wheat 10 years filed
- 0.34Low end of the filed band
- 1.31Middle of the filed band
- 3.18High end of the filed band
- 2023Worst year filed (3.62)
- 10Years filed
- $439,523Premium filed
- $727,348Indemnity paid
- $1,937,273Liability insured
- 11,446Quantity planted
- 11,446Quantity lost
- 88Policies
- 88Policies with a loss
- 1.65Loss ratio, whole span
Causes that carried the indemnity in Gaines County
- Hail $387,795 indemnity · 7 years
- Wind/Excess Wind $214,314 indemnity · 7 years
- Drought $32,381 indemnity · 6 years
- Freeze $25,486 indemnity · 1 years
- Heat $23,296 indemnity · 1 years
- Hot Wind $17,641 indemnity · 3 years
Every county-crop the agency files in Texas → Buy the Gaines 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.