Crop-loss band · Texas
Sherman County, Texas — crop-loss band
- 2.00Low end of the filed band
- 3.02Middle of the filed band
- 4.93High end of the filed band
- 2017Worst year filed (6.04)
- 10Years filed
Every year the Risk Management Agency has filed for Sherman 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 2.00 at the low end to 4.93 at the high end, with 3.02 in the middle. The worst year filed is 2017, at 6.04. 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 | $2,198,767 | $4,948,375 | $7,930,557 | 333 | 331 | 2.25 |
| 2016 | $589,270 | $1,988,134 | $5,364,445 | 130 | 130 | 3.37 |
| 2017 | $3,367,688 | $20,328,364 | $54,786,175 | 418 | 418 | 6.04 |
| 2018 | $2,330,968 | $8,247,318 | $18,459,917 | 340 | 339 | 3.54 |
| 2019 | $3,223,912 | $15,895,834 | $28,540,277 | 339 | 339 | 4.93 |
| 2020 | $3,855,915 | $18,135,201 | $31,714,790 | 456 | 456 | 4.70 |
| 2021 | $2,671,423 | $6,083,933 | $11,610,407 | 283 | 282 | 2.28 |
| 2022 | $11,761,800 | $35,472,700 | $61,930,058 | 861 | 861 | 3.02 |
| 2023 | $17,293,073 | $50,669,218 | $81,075,322 | 1,128 | 1,128 | 2.93 |
| 2024 | $6,295,244 | $12,600,872 | $28,211,588 | 545 | 545 | 2.00 |
Commodities insured in Sherman County
7 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 10 years filed
- 3.10Low end of the filed band
- 4.97Middle of the filed band
- 8.60High end of the filed band
- 2015Worst year filed (24.49)
- 10Years filed
- $12,227,125Premium filed
- $65,336,435Indemnity paid
- $156,078,537Liability insured
- 214,518Quantity planted
- 214,875Quantity lost
- 825Policies
- 825Policies with a loss
- 5.34Loss ratio, whole span
Causes that carried the indemnity in Sherman County
- Excess Moisture/Precipitation/Rain $15,176,383 indemnity · 6 years
- Mycotoxin $12,320,785 indemnity · 6 years
- Hail $10,536,680 indemnity · 9 years
- Heat $8,029,122 indemnity · 8 years
- Hot Wind $7,672,979 indemnity · 9 years
- ARPI/SCO/STAX/MP Crops Only $6,626,663 indemnity · 7 years
Cotton 10 years filed
- 1.91Low end of the filed band
- 4.02Middle of the filed band
- 5.68High end of the filed band
- 2016Worst year filed (7.31)
- 10Years filed
- $14,306,731Premium filed
- $54,380,592Indemnity paid
- $84,592,532Liability insured
- 181,972Quantity planted
- 211,912Quantity lost
- 973Policies
- 973Policies with a loss
- 3.80Loss ratio, whole span
Causes that carried the indemnity in Sherman County
- Hail $13,115,448 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $11,676,032 indemnity · 7 years
- Wind/Excess Wind $10,126,293 indemnity · 8 years
- Cold Wet Weather $6,008,878 indemnity · 7 years
- Drought $4,441,838 indemnity · 8 years
- ARPI/SCO/STAX/MP Crops Only $2,808,664 indemnity · 7 years
Annual Forage 10 years filed
- 0.26Low end of the filed band
- 1.47Middle of the filed band
- 2.31High end of the filed band
- 2022Worst year filed (2.39)
- 10Years filed
- $10,834,138Premium filed
- $22,613,037Indemnity paid
- $36,348,147Liability insured
- 152,486Quantity planted
- 0Quantity lost
- 616Policies
- 616Policies with a loss
- 2.09Loss ratio, whole span
Causes that carried the indemnity in Sherman County
- ARPI/SCO/STAX Crops Only $22,613,037 indemnity · 10 years
Wheat 10 years filed
- 0.81Low end of the filed band
- 1.63Middle of the filed band
- 2.10High end of the filed band
- 2022Worst year filed (2.79)
- 10Years filed
- $9,932,150Premium filed
- $18,993,937Indemnity paid
- $26,160,077Liability insured
- 247,438Quantity planted
- 247,344Quantity lost
- 1,190Policies
- 1,186Policies with a loss
- 1.91Loss ratio, whole span
Causes that carried the indemnity in Sherman County
- Drought $12,699,157 indemnity · 9 years
- Hail $2,218,555 indemnity · 10 years
- Wind/Excess Wind $2,115,586 indemnity · 10 years
- Hot Wind $538,340 indemnity · 8 years
- Heat $383,841 indemnity · 5 years
- Freeze $287,385 indemnity · 6 years
Grain Sorghum 10 years filed
- 0.43Low end of the filed band
- 1.36Middle of the filed band
- 1.68High end of the filed band
- 2022Worst year filed (2.07)
- 10Years filed
- $3,355,422Premium filed
- $5,740,386Indemnity paid
- $10,997,702Liability insured
- 60,363Quantity planted
- 60,770Quantity lost
- 366Policies
- 366Policies with a loss
- 1.71Loss ratio, whole span
Causes that carried the indemnity in Sherman County
- Heat $1,856,114 indemnity · 8 years
- Drought $1,656,433 indemnity · 10 years
- Hot Wind $961,725 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $452,269 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $200,644 indemnity · 4 years
- Hail $193,709 indemnity · 6 years
Pasture,Rangeland,Forage 10 years filed
- 0.42Low end of the filed band
- 1.59Middle of the filed band
- 2.15High end of the filed band
- 2022Worst year filed (2.19)
- 10Years filed
- $2,410,631Premium filed
- $4,115,528Indemnity paid
- $8,911,595Liability insured
- 200,772Quantity planted
- 0Quantity lost
- 776Policies
- 776Policies with a loss
- 1.71Loss ratio, whole span
Causes that carried the indemnity in Sherman County
- ARPI/SCO/STAX Crops Only $4,115,528 indemnity · 10 years
Hybrid Sorghum Seed 10 years filed
- 3.02Low end of the filed band
- 7.39Middle of the filed band
- 11.66High end of the filed band
- 2021Worst year filed (18.76)
- 10Years filed
- $521,863Premium filed
- $3,190,034Indemnity paid
- $6,534,946Liability insured
- 11,639Quantity planted
- 11,653Quantity lost
- 87Policies
- 87Policies with a loss
- 6.11Loss ratio, whole span
Causes that carried the indemnity in Sherman County
- Hail $827,033 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $640,101 indemnity · 5 years
- Heat $588,200 indemnity · 6 years
- Wind/Excess Wind $428,259 indemnity · 6 years
- Hot Wind $351,014 indemnity · 5 years
- Freeze $350,601 indemnity · 2 years
Every county-crop the agency files in Texas → Buy the Sherman 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.