Crop-loss band · Texas
McCulloch County, Texas — crop-loss band
- 0.77Low end of the filed band
- 1.44Middle of the filed band
- 2.22High end of the filed band
- 2022Worst year filed (3.15)
- 10Years filed
Every year the Risk Management Agency has filed for McCulloch 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 0.77 at the low end to 2.22 at the high end, with 1.44 in the middle. The worst year filed is 2022, at 3.15. 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 | $493,775 | $378,053 | $1,594,220 | 107 | 107 | 0.77 |
| 2016 | $436,050 | $531,551 | $1,218,574 | 75 | 75 | 1.22 |
| 2017 | $620,182 | $888,599 | $2,333,591 | 146 | 146 | 1.43 |
| 2018 | $1,818,577 | $3,615,629 | $6,673,019 | 228 | 228 | 1.99 |
| 2019 | $1,206,834 | $1,732,420 | $4,491,518 | 140 | 140 | 1.44 |
| 2020 | $1,167,759 | $2,594,346 | $4,352,794 | 164 | 164 | 2.22 |
| 2021 | $1,395,884 | $2,749,496 | $4,092,695 | 166 | 166 | 1.97 |
| 2022 | $3,465,428 | $10,933,046 | $11,329,463 | 305 | 305 | 3.15 |
| 2023 | $2,763,077 | $4,681,978 | $7,882,537 | 287 | 287 | 1.69 |
| 2024 | $2,253,554 | $3,114,998 | $6,484,134 | 262 | 262 | 1.38 |
Commodities insured in McCulloch 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
- 0.38Low end of the filed band
- 1.85Middle of the filed band
- 2.99High end of the filed band
- 2022Worst year filed (3.28)
- 10Years filed
- $5,748,045Premium filed
- $14,302,463Indemnity paid
- $19,950,289Liability insured
- 67,817Quantity planted
- 96,484Quantity lost
- 342Policies
- 342Policies with a loss
- 2.49Loss ratio, whole span
Causes that carried the indemnity in McCulloch County
- Drought $12,417,738 indemnity · 10 years
- ARPI/SCO/STAX/MP Crops Only $1,342,566 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $350,117 indemnity · 2 years
- Heat $112,687 indemnity · 3 years
- Decline in Price $68,989 indemnity · 4 years
- Hot Wind $5,753 indemnity · 2 years
Wheat 10 years filed
- 0.88Low end of the filed band
- 1.00Middle of the filed band
- 2.30High end of the filed band
- 2022Worst year filed (3.30)
- 10Years filed
- $7,063,359Premium filed
- $12,048,609Indemnity paid
- $18,459,238Liability insured
- 144,363Quantity planted
- 144,393Quantity lost
- 454Policies
- 454Policies with a loss
- 1.71Loss ratio, whole span
Causes that carried the indemnity in McCulloch County
- Drought $9,450,823 indemnity · 10 years
- Hail $941,476 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $834,561 indemnity · 6 years
- Decline in Price $273,011 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $163,383 indemnity · 3 years
- Wildlife $107,697 indemnity · 7 years
Pasture,Rangeland,Forage 10 years filed
- 1.01Low end of the filed band
- 1.50Middle of the filed band
- 1.98High end of the filed band
- 2019Worst year filed (2.19)
- 10Years filed
- $2,360,175Premium filed
- $3,936,867Indemnity paid
- $10,436,651Liability insured
- 592,588Quantity planted
- 0Quantity lost
- 1,017Policies
- 1,017Policies with a loss
- 1.67Loss ratio, whole span
Causes that carried the indemnity in McCulloch County
- ARPI/SCO/STAX Crops Only $3,936,867 indemnity · 10 years
Grain Sorghum 8 years filed
- 0.24Low end of the filed band
- 1.79Middle of the filed band
- 3.31High end of the filed band
- 2024Worst year filed (3.31)
- 8Years filed
- $449,541Premium filed
- $932,177Indemnity paid
- $1,606,367Liability insured
- 10,967Quantity planted
- 10,967Quantity lost
- 67Policies
- 67Policies with a loss
- 2.07Loss ratio, whole span
Causes that carried the indemnity in McCulloch County
- Drought $847,720 indemnity · 7 years
- Hail $56,644 indemnity · 2 years
- Decline in Price $20,964 indemnity · 2 years
- Heat $6,850 indemnity · 1 years
Every county-crop the agency files in Texas → Buy the McCulloch 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.