Crop-loss band · Texas
Gray County, Texas — crop-loss band
- 1.35Low end of the filed band
- 2.40Middle of the filed band
- 3.19High end of the filed band
- 2018Worst year filed (3.35)
- 10Years filed
Every year the Risk Management Agency has filed for Gray 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 1.35 at the low end to 3.19 at the high end, with 2.40 in the middle. The worst year filed is 2018, at 3.35. 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 | $908,925 | $1,567,138 | $3,196,934 | 275 | 275 | 1.72 |
| 2016 | $306,624 | $533,027 | $1,141,233 | 151 | 151 | 1.74 |
| 2017 | $476,337 | $1,521,293 | $1,878,501 | 112 | 112 | 3.19 |
| 2018 | $3,091,041 | $10,369,206 | $12,288,043 | 499 | 499 | 3.35 |
| 2019 | $2,554,416 | $7,826,653 | $10,122,296 | 402 | 401 | 3.06 |
| 2020 | $2,445,567 | $6,995,775 | $9,772,517 | 440 | 440 | 2.86 |
| 2021 | $813,542 | $1,986,429 | $2,867,906 | 187 | 187 | 2.44 |
| 2022 | $4,410,783 | $10,585,569 | $13,865,857 | 515 | 515 | 2.40 |
| 2023 | $4,129,528 | $6,826,078 | $12,322,484 | 484 | 484 | 1.65 |
| 2024 | $2,299,585 | $3,103,961 | $7,918,493 | 356 | 356 | 1.35 |
Commodities insured in Gray 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.
Cotton 10 years filed
- 1.28Low end of the filed band
- 2.45Middle of the filed band
- 3.48High end of the filed band
- 2018Worst year filed (3.60)
- 10Years filed
- $13,677,666Premium filed
- $34,736,493Indemnity paid
- $45,157,345Liability insured
- 136,673Quantity planted
- 164,533Quantity lost
- 1,147Policies
- 1,146Policies with a loss
- 2.54Loss ratio, whole span
Causes that carried the indemnity in Gray County
- Drought $12,681,087 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $6,729,040 indemnity · 8 years
- Hail $5,373,547 indemnity · 9 years
- Cold Wet Weather $3,169,462 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $2,228,811 indemnity · 6 years
- Wind/Excess Wind $2,154,765 indemnity · 10 years
Wheat 10 years filed
- 0.92Low end of the filed band
- 1.46Middle of the filed band
- 2.73High end of the filed band
- 2022Worst year filed (4.21)
- 10Years filed
- $3,835,846Premium filed
- $9,393,968Indemnity paid
- $12,999,150Liability insured
- 118,439Quantity planted
- 118,428Quantity lost
- 868Policies
- 868Policies with a loss
- 2.45Loss ratio, whole span
Causes that carried the indemnity in Gray County
- Drought $6,801,762 indemnity · 10 years
- Hail $1,423,237 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $347,762 indemnity · 5 years
- ARPI/SCO/STAX Crops Only $243,935 indemnity · 3 years
- Wind/Excess Wind $133,327 indemnity · 5 years
- Hot Wind $120,408 indemnity · 5 years
Pasture,Rangeland,Forage 10 years filed
- 1.05Low end of the filed band
- 1.58Middle of the filed band
- 2.43High end of the filed band
- 2021Worst year filed (2.61)
- 10Years filed
- $2,466,356Premium filed
- $3,718,989Indemnity paid
- $10,616,138Liability insured
- 448,866Quantity planted
- 0Quantity lost
- 1,053Policies
- 1,053Policies with a loss
- 1.51Loss ratio, whole span
Causes that carried the indemnity in Gray County
- ARPI/SCO/STAX Crops Only $3,718,989 indemnity · 10 years
Grain Sorghum 10 years filed
- 2.01Low end of the filed band
- 2.08Middle of the filed band
- 3.39High end of the filed band
- 2017Worst year filed (3.89)
- 10Years filed
- $1,456,480Premium filed
- $3,465,679Indemnity paid
- $6,601,631Liability insured
- 38,397Quantity planted
- 38,198Quantity lost
- 353Policies
- 353Policies with a loss
- 2.38Loss ratio, whole span
Causes that carried the indemnity in Gray County
- Drought $1,790,909 indemnity · 8 years
- Heat $617,232 indemnity · 6 years
- Hot Wind $362,663 indemnity · 7 years
- Wind/Excess Wind $251,091 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $157,719 indemnity · 4 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $85,393 indemnity · 2 years
Every county-crop the agency files in Texas → Buy the Gray 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.