CHOP INSURANCE : RISKS, LOSSES, ETC. 
Table 1. — Average annual crop damage from specified causes, in percentage of normal 
yield, by geographic divisions, for decade 1909-1918 — Continued; 
Adverse 
weather conditions. 
o 
3 
A 
W 
6 
Crop and geographic 
o 
o 
w 
ra 
CO 
§ 
division. 
XT. 
o 
o 
4J <» 
'3 
P 
s 
O 
o 
m 
o 
Eh 
'o3 
■9 
'$ 
o 
W 
1 
o 
w 
a 
"3 
O 
ft 
"5 
05 
PI 
ft 
I 
s 
PI 
+^ 
O 
Hay— Continued. 
East North Central 
19.01 
10.89 
1.99 
.27 
.71 
.04 
.53 
.14 
2.27 
.09 
.57 
.01 
1.50 
West North Central 
24.89 
19.11 
1.52 
.36 
.20 
.17 
1.03 
.09 
1.30 
.05 
.10 
.03 
.63 
South Central 
22.10 
14. 63 
2.61 
.61 
.19 
.07 
.72 
.21 
.79 
.13 
.23 
.02 
1.89 
Far West 
18.91 
11.88 
1.33 
.25 
1.16 
.25 
.42 
.22 
.77 
.17 
1.00 
.46 
1.00 
Total 
20.35 
13.44 
1.74 
.31 
.62 
.11 
.58 
.15 
1.45 
.10 
.52 
.08 
1.25 
Cotton: 
South Atlantic 
27.09 
6.60 
6.75 
1.10 
1.99 
.48 
.99 
.60 
.77 
3.03 
2.85 
(a) 
1.93 
South Central 
38.83 
14. 53 
3.42 
1.03 
1.05 
.48 
1.75 
.75 
.57 
1.61 
12.35 
.03 
1.26 
Total 
35.49 
12.29 
4.34 
1.05 
1.32 
.48 
1.56 
.71 
.60 
2.00 
9.67 
.02 
1.45 
a Less than 0.005 of 1 per cent. 
The purpose of Table 1 is to bring out the relative degree of se- 
verity of the different hazards, or causes of damage, with reference 
to each of the crops enumerated for the country as a whole as well 
as for the various geographic divisions. Thus, in the case of corn, 
deficient moisture represented the most severe hazard during the 
10-year period, not only for the country as a whole, but also for each of 
the geographic divisions. Excessive moisture represented the second 
most severe hazard for the country and for four of the six geographic 
divisions. Frost was the third most severe hazard, insect pests the 
fourth, and hot winds the fifth, considering the country as a whole. 
None of the other specified causes represented as much as 1 per 
cent of damage for the entire country, although the damage or loss 
from floods exceeded this amount in the South Atlantic and South 
Central States, and hail damage was more than 1 per cent of the 
crop damage in the Far Western States. 
The purpose of Table 2 is to show quantitative damages on a plan 
similar to that by which damages are given on a percentage basis in 
Table 1. The figures in Table 2, therefore, represent not only the 
relative severity of the hazards or causes of damage in each case, but 
also the importance, from the point of view of acreage or volume, of 
the given crop, in the division or in the entire country as the case' 
may be. This explains why some causes of loss appear relatively 
important for given crops in certain divisions in Table 1 and rela- 
tively unimportant for the same crop in the same divisions in Table 2. 
According to Table 1, for example, an average of 1.12 per cent of the 
corn crop was lost annually in the far western division through the 
.occurrence of hail, which was a higher percentage of hail damage 
