Crop-loss band · Texas
Refugio County, Texas — crop-loss band
- 1.36Low end of the filed band
- 2.47Middle of the filed band
- 4.09High end of the filed band
- 2022Worst year filed (4.68)
- 10Years filed
Every year the Risk Management Agency has filed for Refugio 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 1.36 at the low end to 4.09 at the high end, with 2.47 in the middle. The worst year filed is 2022, at 4.68. 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 | $962,097 | $2,179,072 | $3,966,424 | 220 | 220 | 2.26 |
| 2016 | $345,874 | $511,658 | $1,964,304 | 116 | 116 | 1.48 |
| 2017 | $249,510 | $885,321 | $1,373,100 | 110 | 110 | 3.55 |
| 2018 | $759,029 | $1,557,995 | $4,471,956 | 204 | 204 | 2.05 |
| 2019 | $538,008 | $2,201,435 | $3,115,685 | 169 | 169 | 4.09 |
| 2020 | $419,169 | $1,036,078 | $2,141,420 | 181 | 181 | 2.47 |
| 2021 | $2,673,914 | $9,817,645 | $16,532,139 | 318 | 318 | 3.67 |
| 2022 | $6,548,281 | $30,644,751 | $34,457,288 | 391 | 391 | 4.68 |
| 2023 | $954,720 | $1,296,140 | $4,876,396 | 238 | 238 | 1.36 |
| 2024 | $4,156,118 | $10,731,758 | $22,299,985 | 368 | 368 | 2.58 |
Commodities insured in Refugio 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
- 0.36Low end of the filed band
- 2.68Middle of the filed band
- 5.57High end of the filed band
- 2017Worst year filed (6.16)
- 10Years filed
- $12,086,124Premium filed
- $46,440,977Indemnity paid
- $63,812,515Liability insured
- 80,503Quantity planted
- 119,140Quantity lost
- 398Policies
- 398Policies with a loss
- 3.84Loss ratio, whole span
Causes that carried the indemnity in Refugio County
- Drought $29,966,084 indemnity · 8 years
- Hurricane $5,914,997 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $3,402,658 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $2,929,110 indemnity · 5 years
- Hurricane/Tropical Depression $2,409,990 indemnity · 3 years
- Wind/Excess Wind $1,074,940 indemnity · 2 years
Grain Sorghum 10 years filed
- 1.25Low end of the filed band
- 2.39Middle of the filed band
- 3.31High end of the filed band
- 2021Worst year filed (4.36)
- 10Years filed
- $3,280,431Premium filed
- $9,661,123Indemnity paid
- $20,473,145Liability insured
- 78,297Quantity planted
- 93,754Quantity lost
- 458Policies
- 458Policies with a loss
- 2.95Loss ratio, whole span
Causes that carried the indemnity in Refugio County
- Excess Moisture/Precipitation/Rain $3,631,822 indemnity · 8 years
- Drought $2,561,235 indemnity · 6 years
- Hurricane $1,919,143 indemnity · 1 years
- Decline in Price $615,064 indemnity · 9 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $561,451 indemnity · 1 years
- Hurricane/Tropical Depression $248,988 indemnity · 1 years
Pasture,Rangeland,Forage 10 years filed
- 0.84Low end of the filed band
- 1.91Middle of the filed band
- 2.61High end of the filed band
- 2022Worst year filed (2.79)
- 10Years filed
- $1,779,035Premium filed
- $3,499,897Indemnity paid
- $8,426,070Liability insured
- 528,272Quantity planted
- 0Quantity lost
- 1,373Policies
- 1,373Policies with a loss
- 1.97Loss ratio, whole span
Causes that carried the indemnity in Refugio County
- ARPI/SCO/STAX Crops Only $3,499,897 indemnity · 10 years
Corn 9 years filed
- 0.17Low end of the filed band
- 2.64Middle of the filed band
- 4.88High end of the filed band
- 2018Worst year filed (4.88)
- 9Years filed
- $461,130Premium filed
- $1,259,856Indemnity paid
- $2,486,967Liability insured
- 7,621Quantity planted
- 8,960Quantity lost
- 86Policies
- 86Policies with a loss
- 2.73Loss ratio, whole span
Causes that carried the indemnity in Refugio County
- Hurricane $397,322 indemnity · 1 years
- Drought $365,708 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $316,312 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP WI Crops Only $133,123 indemnity · 1 years
- Decline in Price $18,408 indemnity · 4 years
- Hail $10,468 indemnity · 1 years
Every county-crop the agency files in Texas → Buy the Refugio 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.