Crop-loss band · Texas
Hardeman County, Texas — crop-loss band
- 1.52Low end of the filed band
- 2.00Middle of the filed band
- 2.58High end of the filed band
- 2022Worst year filed (2.62)
- 10Years filed
Every year the Risk Management Agency has filed for Hardeman County is in the series below, from 2015 to 2019. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.52 at the low end to 2.58 at the high end, with 2.00 in the middle. The worst year filed is 2022, at 2.62. 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 | $2,086,583 | $3,355,253 | $6,394,415 | 412 | 412 | 1.61 |
| 2016 | $736,903 | $1,543,838 | $2,152,714 | 127 | 126 | 2.10 |
| 2017 | $1,561,565 | $3,299,816 | $4,451,603 | 187 | 186 | 2.11 |
| 2018 | $4,562,668 | $10,114,149 | $15,727,206 | 481 | 480 | 2.22 |
| 2019 | $2,706,551 | $4,402,084 | $9,583,413 | 276 | 276 | 1.63 |
| 2020 | $2,339,801 | $4,111,403 | $9,404,040 | 412 | 409 | 1.76 |
| 2021 | $2,913,071 | $4,420,981 | $9,113,632 | 318 | 317 | 1.52 |
| 2022 | $10,099,205 | $26,506,292 | $35,340,365 | 703 | 703 | 2.62 |
| 2023 | $5,794,844 | $11,563,630 | $21,058,097 | 551 | 551 | 2.00 |
| 2024 | $2,669,801 | $6,881,159 | $9,761,285 | 304 | 304 | 2.58 |
Commodities insured in Hardeman County
5 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
- 1.47Low end of the filed band
- 2.13Middle of the filed band
- 2.79High end of the filed band
- 2022Worst year filed (2.85)
- 10Years filed
- $15,507,250Premium filed
- $38,311,571Indemnity paid
- $50,527,808Liability insured
- 104,434Quantity planted
- 166,746Quantity lost
- 851Policies
- 850Policies with a loss
- 2.47Loss ratio, whole span
Causes that carried the indemnity in Hardeman County
- ARPI/SCO/STAX Crops Only $9,094,344 indemnity · 9 years
- Drought $6,687,582 indemnity · 9 years
- Hot Wind $6,020,066 indemnity · 10 years
- Wind/Excess Wind $5,940,062 indemnity · 10 years
- Heat $3,865,311 indemnity · 8 years
- Hail $3,424,494 indemnity · 5 years
Annual Forage 9 years filed
- 0.85Low end of the filed band
- 1.68Middle of the filed band
- 3.65High end of the filed band
- 2017Worst year filed (3.65)
- 9Years filed
- $11,640,993Premium filed
- $20,574,511Indemnity paid
- $43,784,354Liability insured
- 151,377Quantity planted
- 0Quantity lost
- 694Policies
- 694Policies with a loss
- 1.77Loss ratio, whole span
Causes that carried the indemnity in Hardeman County
- ARPI/SCO/STAX Crops Only $20,574,511 indemnity · 9 years
Wheat 10 years filed
- 0.99Low end of the filed band
- 1.76Middle of the filed band
- 2.36High end of the filed band
- 2022Worst year filed (4.04)
- 10Years filed
- $5,923,884Premium filed
- $13,330,014Indemnity paid
- $19,416,783Liability insured
- 200,137Quantity planted
- 200,390Quantity lost
- 1,118Policies
- 1,112Policies with a loss
- 2.25Loss ratio, whole span
Causes that carried the indemnity in Hardeman County
- Drought $7,671,243 indemnity · 10 years
- Hail $1,968,415 indemnity · 8 years
- ARPI/SCO/STAX Crops Only $1,387,212 indemnity · 4 years
- Wind/Excess Wind $763,883 indemnity · 8 years
- Freeze $411,447 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $409,884 indemnity · 8 years
Pasture,Rangeland,Forage 10 years filed
- 0.24Low end of the filed band
- 1.66Middle of the filed band
- 2.89High end of the filed band
- 2017Worst year filed (3.05)
- 10Years filed
- $1,892,118Premium filed
- $3,070,095Indemnity paid
- $7,922,081Liability insured
- 343,277Quantity planted
- 0Quantity lost
- 1,094Policies
- 1,094Policies with a loss
- 1.62Loss ratio, whole span
Causes that carried the indemnity in Hardeman County
- ARPI/SCO/STAX Crops Only $3,070,095 indemnity · 10 years
Canola 5 years filed
- 0.85Low end of the filed band
- 1.12Middle of the filed band
- 2.53High end of the filed band
- 2016Worst year filed (2.53)
- 5Years filed
- $506,747Premium filed
- $912,414Indemnity paid
- $1,335,744Liability insured
- 19,631Quantity planted
- 19,631Quantity lost
- 14Policies
- 14Policies with a loss
- 1.80Loss ratio, whole span
Causes that carried the indemnity in Hardeman County
- Hail $630,241 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $220,315 indemnity · 4 years
- Freeze $51,448 indemnity · 1 years
- Hot Wind $10,410 indemnity · 1 years
Every county-crop the agency files in Texas → Buy the Hardeman 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.