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Average Rate of Return for Cotton 2001-2014

- <= 0%
- 1 - 100%
- 101 - 200%
- 201 - 300%
- > 300%

**Notes:**

A positive rate of return means a farmer got more in insurance payouts than he or she paid in premiums. A 100 percent rate of return means the farmer got a payout that was twice the size of the premium. A negative rate of return means the payout was smaller than the premium.

**Rate of Return**

The rate of return is the net return divided by the premium that the farmer paid for the insurance.
Ex. If a farmer paid $10 for an insurance policy and their net return was $40, their rate of return would be 400%.
Rate of return can also be zero or negative. If a farmer paid $10 for insurance and received $10 after filing a claim, their net return would be 0 and their rate of return would be 0%.

If a farmer paid $10 for insurance and received $0 because they did not file a claim, their net return would be -$10 and their rate of return would be -100%.

**Net Return**

The net return is the amount paid to a farmer through an insurance claim minus the premium that the farmer paid for the insurance.
Ex. If a farmer paid $10 an acre for an insurance policy and received $50 an acre after filing a claim, the farmer’s net return would be $40.
If a farmer paid $10 an acre for a policy and received $10 after filing a claim, their net return would be zero.
If a farmer paid $10 an acre for a policy and received $0 because they did not file a claim, their net return would be -$10.

**EWG only mapped counties if the number of crop insurance policies were greater than or equal to the national average between 2001 to 2014 (see below).**

**Corn: **The average corn policy count per county was 203, which yielded 83% of all corn policies and 86% of all corn reported acres. (806 counties out of 2,479 counties or 33%)

**Soybeans: **The average soybean policy count per county was 225, which yielded 84% of all soybean policies and 84% of all soybean reported acres. (737 out of 2,104 counties or 35%)

**Wheat: **The average wheat policy count per county was 132, which yielded 81% of all wheat policies and 90% of all wheat reported acres. (614 out of 2,306 counties or 27%)

**Cotton: **The average cotton policy count per county was 114, which yielded 82% of all cotton policies and 85% of all cotton reported acres. (221 out of 741 counties or 30%)