Crop-loss band · Washington
Spokane County, Washington — crop-loss band
- 2.38Low end of the filed band
- 2.67Middle of the filed band
- 3.85High end of the filed band
- 2021Worst year filed (7.20)
- 10Years filed
Every year the Risk Management Agency has filed for Spokane 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 2.38 at the low end to 3.85 at the high end, with 2.67 in the middle. The worst year filed is 2021, at 7.20. 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 | $2,771,847 | $10,659,117 | $39,812,306 | 914 | 914 | 3.85 |
| 2016 | $596,352 | $1,593,957 | $7,403,498 | 249 | 249 | 2.67 |
| 2017 | $1,742,530 | $6,437,486 | $19,672,303 | 708 | 708 | 3.69 |
| 2018 | $716,127 | $1,774,965 | $6,223,023 | 225 | 225 | 2.48 |
| 2019 | $1,465,459 | $4,052,141 | $15,494,944 | 420 | 418 | 2.77 |
| 2020 | $438,714 | $1,152,797 | $3,480,225 | 151 | 150 | 2.63 |
| 2021 | $3,801,590 | $27,374,180 | $48,652,804 | 838 | 838 | 7.20 |
| 2022 | $1,696,602 | $5,308,875 | $13,964,326 | 369 | 369 | 3.13 |
| 2023 | $7,700,603 | $18,530,114 | $68,320,515 | 768 | 768 | 2.41 |
| 2024 | $6,121,794 | $14,597,133 | $57,146,521 | 879 | 879 | 2.38 |
Commodities insured in Spokane County
5 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.
Wheat 10 years filed
- 2.20Low end of the filed band
- 2.83Middle of the filed band
- 4.20High end of the filed band
- 2021Worst year filed (8.67)
- 10Years filed
- $18,585,586Premium filed
- $66,622,059Indemnity paid
- $210,430,287Liability insured
- 569,354Quantity planted
- 578,957Quantity lost
- 3,176Policies
- 3,173Policies with a loss
- 3.58Loss ratio, whole span
Causes that carried the indemnity in Spokane County
- Drought $42,391,678 indemnity · 10 years
- Heat $8,555,757 indemnity · 10 years
- Decline in Price $5,926,391 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $3,520,823 indemnity · 9 years
- Hail $1,914,319 indemnity · 5 years
- Frost $1,385,332 indemnity · 9 years
Dry Peas 10 years filed
- 2.32Low end of the filed band
- 2.74Middle of the filed band
- 3.43High end of the filed band
- 2021Worst year filed (4.18)
- 10Years filed
- $4,154,805Premium filed
- $12,821,367Indemnity paid
- $38,135,250Liability insured
- 134,717Quantity planted
- 134,911Quantity lost
- 1,085Policies
- 1,085Policies with a loss
- 3.09Loss ratio, whole span
Causes that carried the indemnity in Spokane County
- Drought $6,098,226 indemnity · 9 years
- Heat $3,307,759 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,274,346 indemnity · 6 years
- Hail $773,577 indemnity · 3 years
- Decline in Price $492,415 indemnity · 9 years
- Wind/Excess Wind $310,697 indemnity · 8 years
Canola 9 years filed
- 1.86Low end of the filed band
- 2.82Middle of the filed band
- 5.42High end of the filed band
- 2021Worst year filed (5.42)
- 9Years filed
- $1,531,949Premium filed
- $5,399,576Indemnity paid
- $15,150,588Liability insured
- 53,895Quantity planted
- 55,008Quantity lost
- 406Policies
- 406Policies with a loss
- 3.52Loss ratio, whole span
Causes that carried the indemnity in Spokane County
- Drought $3,282,474 indemnity · 9 years
- Heat $1,064,388 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $224,490 indemnity · 6 years
- Hail $208,492 indemnity · 1 years
- Frost $123,069 indemnity · 3 years
- Cold Wet Weather $116,625 indemnity · 4 years
Barley 10 years filed
- 1.78Low end of the filed band
- 3.71Middle of the filed band
- 4.84High end of the filed band
- 2015Worst year filed (6.47)
- 10Years filed
- $890,087Premium filed
- $3,381,251Indemnity paid
- $8,229,985Liability insured
- 37,120Quantity planted
- 37,097Quantity lost
- 454Policies
- 454Policies with a loss
- 3.80Loss ratio, whole span
Causes that carried the indemnity in Spokane County
- Drought $1,857,665 indemnity · 10 years
- Heat $735,653 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $406,507 indemnity · 8 years
- Decline in Price $90,947 indemnity · 6 years
- Hail $87,879 indemnity · 2 years
- Frost $73,007 indemnity · 4 years
Pasture,Rangeland,Forage 7 years filed
- 1.41Low end of the filed band
- 1.99Middle of the filed band
- 2.72High end of the filed band
- 2018Worst year filed (2.72)
- 7Years filed
- $1,889,190Premium filed
- $3,256,512Indemnity paid
- $8,224,356Liability insured
- 96,537Quantity planted
- 0Quantity lost
- 400Policies
- 400Policies with a loss
- 1.72Loss ratio, whole span
Causes that carried the indemnity in Spokane County
- ARPI/SCO/STAX/MP Crops Only $3,256,512 indemnity · 7 years
Every county-crop the agency files in Washington → Buy the Spokane 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.