Crop-loss band · Virginia
Charlotte County, Virginia — crop-loss band
- 0.81Low end of the filed band
- 2.24Middle of the filed band
- 3.92High end of the filed band
- 2024Worst year filed (4.35)
- 10Years filed
Every year the Risk Management Agency has filed for Charlotte 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 0.81 at the low end to 3.92 at the high end, with 2.24 in the middle. The worst year filed is 2024, at 4.35. 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 | $281,178 | $589,741 | $1,280,616 | 101 | 101 | 2.10 |
| 2016 | $301,188 | $567,456 | $1,492,235 | 67 | 67 | 1.88 |
| 2017 | $153,705 | $268,254 | $863,918 | 41 | 41 | 1.75 |
| 2018 | $208,036 | $815,327 | $2,083,329 | 74 | 74 | 3.92 |
| 2019 | $357,971 | $929,401 | $2,442,064 | 102 | 102 | 2.60 |
| 2020 | $93,373 | $268,967 | $674,744 | 18 | 18 | 2.88 |
| 2021 | $166,961 | $548,275 | $1,040,457 | 30 | 30 | 3.28 |
| 2022 | $114,665 | $92,362 | $701,911 | 25 | 25 | 0.81 |
| 2023 | $249,182 | $557,147 | $1,488,341 | 48 | 48 | 2.24 |
| 2024 | $313,590 | $1,363,348 | $2,633,412 | 98 | 98 | 4.35 |
Commodities insured in Charlotte 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.
Flue Cured Tobacco 10 years filed
- 2.82Low end of the filed band
- 5.28Middle of the filed band
- 13.28High end of the filed band
- 2021Worst year filed (14.67)
- 10Years filed
- $457,093Premium filed
- $2,845,807Indemnity paid
- $6,561,935Liability insured
- 1,655Quantity planted
- 1,655Quantity lost
- 102Policies
- 102Policies with a loss
- 6.23Loss ratio, whole span
Causes that carried the indemnity in Charlotte County
- Excess Moisture/Precipitation/Rain $635,637 indemnity · 6 years
- Drought $509,243 indemnity · 8 years
- Heat $403,234 indemnity · 5 years
- XX $301,034 indemnity · 5 years
- Insects $294,145 indemnity · 1 years
- Wind/Excess Wind $280,079 indemnity · 2 years
Soybeans 10 years filed
- 0.23Low end of the filed band
- 1.65Middle of the filed band
- 2.16High end of the filed band
- 2024Worst year filed (2.58)
- 10Years filed
- $1,465,562Premium filed
- $2,614,176Indemnity paid
- $7,021,822Liability insured
- 30,015Quantity planted
- 27,574Quantity lost
- 392Policies
- 392Policies with a loss
- 1.78Loss ratio, whole span
Causes that carried the indemnity in Charlotte County
- Drought $1,557,961 indemnity · 9 years
- Heat $388,866 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $323,597 indemnity · 8 years
- XX $168,889 indemnity · 6 years
- Decline in Price $91,961 indemnity · 5 years
- Wildlife $36,431 indemnity · 6 years
Wheat 10 years filed
- 1.26Low end of the filed band
- 1.68Middle of the filed band
- 1.96High end of the filed band
- 2018Worst year filed (2.05)
- 10Years filed
- $317,194Premium filed
- $540,295Indemnity paid
- $1,117,270Liability insured
- 6,949Quantity planted
- 6,859Quantity lost
- 110Policies
- 110Policies with a loss
- 1.70Loss ratio, whole span
Causes that carried the indemnity in Charlotte County
- Excess Moisture/Precipitation/Rain $348,852 indemnity · 7 years
- Drought $79,396 indemnity · 7 years
- Freeze $60,725 indemnity · 3 years
- XX $24,025 indemnity · 3 years
- Cold Wet Weather $19,749 indemnity · 2 years
- Frost $5,893 indemnity · 1 years
Every county-crop the agency files in Virginia → Buy the Charlotte 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.