Crop-loss band · West Virginia
Berkeley County, West Virginia — crop-loss band
- 0.97Low end of the filed band
- 2.72Middle of the filed band
- 5.10High end of the filed band
- 2016Worst year filed (5.10)
- 9Years filed
Every year the Risk Management Agency has filed for Berkeley County is in the series below, from 2019 to 2024. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 0.97 at the low end to 5.10 at the high end, with 2.72 in the middle. The worst year filed is 2016, at 5.10. 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 |
|---|---|---|---|---|---|---|
| 2016 | $26,852 | $136,930 | $191,854 | 3 | 3 | 5.10 |
| 2017 | $4,666 | $10,439 | $25,250 | 1 | 1 | 2.24 |
| 2018 | $10,346 | $27,605 | $38,369 | 5 | 5 | 2.67 |
| 2019 | $9,976 | $9,711 | $78,077 | 4 | 4 | 0.97 |
| 2020 | $476,588 | $1,294,495 | $2,085,389 | 14 | 14 | 2.72 |
| 2021 | $216,976 | $598,826 | $984,643 | 6 | 6 | 2.76 |
| 2022 | $244,026 | $760,313 | $1,107,663 | 4 | 4 | 3.12 |
| 2023 | $577,699 | $1,356,271 | $2,429,335 | 17 | 17 | 2.35 |
| 2024 | $701,917 | $2,161,678 | $3,543,616 | 36 | 36 | 3.08 |
Commodities insured in Berkeley County
2 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.
Apples 6 years filed
- 2.09Low end of the filed band
- 2.76Middle of the filed band
- 3.12High end of the filed band
- 2022Worst year filed (3.12)
- 6Years filed
- $1,983,261Premium filed
- $5,500,543Indemnity paid
- $8,180,037Liability insured
- 1,731Quantity planted
- 1,731Quantity lost
- 25Policies
- 25Policies with a loss
- 2.77Loss ratio, whole span
Causes that carried the indemnity in Berkeley County
- Freeze $1,384,541 indemnity · 3 years
- Hail $909,853 indemnity · 2 years
- Frost $888,129 indemnity · 3 years
- Cold Wet Weather $585,243 indemnity · 1 years
- Drought $581,862 indemnity · 1 years
- Heat $581,862 indemnity · 1 years
Corn 9 years filed
- 0.85Low end of the filed band
- 2.46Middle of the filed band
- 5.10High end of the filed band
- 2016Worst year filed (5.10)
- 9Years filed
- $285,785Premium filed
- $855,725Indemnity paid
- $2,304,159Liability insured
- 4,888Quantity planted
- 5,003Quantity lost
- 65Policies
- 65Policies with a loss
- 2.99Loss ratio, whole span
Causes that carried the indemnity in Berkeley County
- Drought $696,146 indemnity · 7 years
- Heat $98,712 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $32,274 indemnity · 2 years
- Decline in Price $12,471 indemnity · 1 years
- All Other Causes $8,198 indemnity · 1 years
- Wildlife $3,801 indemnity · 2 years
Every county-crop the agency files in West Virginia → Buy the Berkeley 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.