Crop-loss band · Texas
Howard County, Texas — crop-loss band
- 0.27Low end of the filed band
- 1.70Middle of the filed band
- 1.77High end of the filed band
- 2021Worst year filed (1.88)
- 10Years filed
Every year the Risk Management Agency has filed for Howard 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 0.27 at the low end to 1.77 at the high end, with 1.70 in the middle. The worst year filed is 2021, at 1.88. 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 | $4,583,470 | $1,244,181 | $7,176,693 | 146 | 146 | 0.27 |
| 2016 | $2,244,388 | $2,166,114 | $4,388,740 | 180 | 176 | 0.97 |
| 2017 | $4,935,105 | $5,602,371 | $10,261,533 | 350 | 350 | 1.14 |
| 2018 | $21,487,813 | $37,027,227 | $37,146,550 | 994 | 992 | 1.72 |
| 2019 | $10,541,775 | $14,679,750 | $21,505,099 | 613 | 613 | 1.39 |
| 2020 | $12,755,325 | $22,585,855 | $24,068,064 | 635 | 635 | 1.77 |
| 2021 | $451,421 | $850,620 | $1,573,691 | 97 | 97 | 1.88 |
| 2022 | $29,117,446 | $50,419,841 | $51,212,241 | 1,118 | 1,118 | 1.73 |
| 2023 | $21,631,445 | $36,816,501 | $38,225,408 | 1,474 | 1,474 | 1.70 |
| 2024 | $20,666,542 | $35,632,079 | $37,154,876 | 1,221 | 1,221 | 1.72 |
Commodities insured in Howard County
2 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
- 0.27Low end of the filed band
- 1.39Middle of the filed band
- 1.73High end of the filed band
- 2020Worst year filed (1.77)
- 10Years filed
- $126,080,932Premium filed
- $202,454,877Indemnity paid
- $223,590,038Liability insured
- 910,387Quantity planted
- 1,347,503Quantity lost
- 6,132Policies
- 6,126Policies with a loss
- 1.61Loss ratio, whole span
Causes that carried the indemnity in Howard County
- Drought $163,310,350 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $23,260,616 indemnity · 8 years
- Heat $6,682,291 indemnity · 8 years
- Hot Wind $4,932,387 indemnity · 9 years
- Hail $2,199,824 indemnity · 7 years
- Wind/Excess Wind $1,434,123 indemnity · 8 years
Pasture,Rangeland,Forage 10 years filed
- 0.37Low end of the filed band
- 1.85Middle of the filed band
- 2.45High end of the filed band
- 2018Worst year filed (2.53)
- 10Years filed
- $2,333,798Premium filed
- $4,569,662Indemnity paid
- $9,122,857Liability insured
- 479,405Quantity planted
- 0Quantity lost
- 696Policies
- 696Policies with a loss
- 1.96Loss ratio, whole span
Causes that carried the indemnity in Howard County
- ARPI/SCO/STAX Crops Only $4,569,662 indemnity · 10 years
Every county-crop the agency files in Texas → Buy the Howard 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.