Crop-loss band · Texas
Hays County, Texas — crop-loss band
- 1.18Low end of the filed band
- 1.65Middle of the filed band
- 2.76High end of the filed band
- 2022Worst year filed (3.76)
- 10Years filed
Every year the Risk Management Agency has filed for Hays County is in the series below, from 2016 to 2023. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 1.18 at the low end to 2.76 at the high end, with 1.65 in the middle. The worst year filed is 2022, at 3.76. 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 | $36,980 | $43,573 | $100,458 | 25 | 25 | 1.18 |
| 2016 | $112,610 | $147,227 | $524,744 | 50 | 50 | 1.31 |
| 2017 | $205,167 | $566,105 | $1,035,627 | 61 | 61 | 2.76 |
| 2018 | $256,882 | $537,053 | $1,323,612 | 74 | 74 | 2.09 |
| 2019 | $97,324 | $192,634 | $373,648 | 81 | 81 | 1.98 |
| 2020 | $83,172 | $136,915 | $343,081 | 88 | 88 | 1.65 |
| 2021 | $83,364 | $125,808 | $383,912 | 107 | 107 | 1.51 |
| 2022 | $555,947 | $2,092,185 | $2,949,322 | 191 | 191 | 3.76 |
| 2023 | $304,044 | $730,929 | $1,483,149 | 187 | 187 | 2.40 |
| 2024 | $181,636 | $256,997 | $863,700 | 133 | 133 | 1.41 |
Commodities insured in Hays County
3 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 7 years filed
- -0.56Low end of the filed band
- 2.33Middle of the filed band
- 4.81High end of the filed band
- 2022Worst year filed (4.81)
- 7Years filed
- $576,444Premium filed
- $1,878,903Indemnity paid
- $3,225,091Liability insured
- 10,508Quantity planted
- 10,296Quantity lost
- 46Policies
- 46Policies with a loss
- 3.26Loss ratio, whole span
Causes that carried the indemnity in Hays County
- Drought $1,349,114 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $410,321 indemnity · 4 years
- Heat $70,517 indemnity · 1 years
- Wind/Excess Wind $26,881 indemnity · 1 years
- Decline in Price $10,654 indemnity · 2 years
- Hail $6,456 indemnity · 2 years
Pasture,Rangeland,Forage 10 years filed
- 1.50Low end of the filed band
- 1.92Middle of the filed band
- 2.12High end of the filed band
- 2015Worst year filed (2.91)
- 10Years filed
- $826,556Premium filed
- $1,562,227Indemnity paid
- $3,754,480Liability insured
- 94,737Quantity planted
- 0Quantity lost
- 895Policies
- 895Policies with a loss
- 1.89Loss ratio, whole span
Causes that carried the indemnity in Hays County
- ARPI/SCO/STAX Crops Only $1,562,227 indemnity · 10 years
Cotton 7 years filed
- 0.62Low end of the filed band
- 1.85Middle of the filed band
- 3.87High end of the filed band
- 2022Worst year filed (3.87)
- 7Years filed
- $514,126Premium filed
- $1,388,296Indemnity paid
- $2,401,682Liability insured
- 3,865Quantity planted
- 12,345Quantity lost
- 56Policies
- 56Policies with a loss
- 2.70Loss ratio, whole span
Causes that carried the indemnity in Hays County
- Drought $931,940 indemnity · 4 years
- ARPI/SCO/STAX Crops Only $407,235 indemnity · 7 years
- Heat $49,099 indemnity · 1 years
- Decline in Price $22 indemnity · 1 years
Every county-crop the agency files in Texas → Buy the Hays 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.