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Concentration of premiums subsidies in the United States, 2011.

Pct. of Policyholders Pct. of Premium Subsidies Number of Policyholders Total Premium Subisidy 2011 Premium Subsidy per Policyholder
Top 1%15%4,868$1,103,140,198$226,611
Top 2%23%9,737$1,677,229,325$172,253
Top 3%29%14,606$2,123,679,608$145,398
Top 4%34%19,474$2,496,896,453$128,217
Top 5%38%24,343$2,819,553,705$115,826
Top 6%42%29,212$3,104,311,238$106,268
Top 7%46%34,080$3,360,104,536$98,595
Top 8%49%38,949$3,593,107,844$92,252
Top 9%52%43,818$3,806,502,426$86,871
Top 10%54%48,686$4,003,108,575$82,223
Top 11%57%53,555$4,184,950,410$78,143
Top 12%59%58,424$4,353,769,630$74,520
Top 13%61%63,292$4,511,259,200$71,277
Top 14%63%68,161$4,658,603,259$68,347
Top 15%65%73,030$4,797,056,652$65,686
Top 16%67%77,898$4,927,113,407$63,251
Top 17%69%82,767$5,049,635,820$61,010
Top 18%70%87,636$5,165,121,627$58,938
Top 19%72%92,504$5,274,184,724$57,016
Top 20%73%97,373$5,377,324,896$55,224
Remaining 80% of policyholders.27%389,494$1,973,154,400$5,066
METHODOLOGY: EWG obtained county level crop insurance information from USDA Risk Management Agency which shows premium subsidies, indemnities and farmer premiums at the county/crop level by crop year. Administrative and Operating Expense Reimbursements to crop insurance companies (A+O), Other program fund costs, Other administrative and operating fund costs expenses, and Government earned interest were allocated to the crop/county level by using the national expenditures/revenue of the Crop Insurance program (available here for 2003-2012 and from RMA previous to 2003) in each category and attributing them the crop/county level by total premiums. EWG was unable to attribute underwriting gains to the county/crop level. Underwriting gains (or losses) are paid to insurance companies when the insurance companies collect more in total subsidies than are paid out in indemnities. Since underwriting gains are paid by company on the basis of all of their policies, EWG was unable to allocate underwriting gains by crop or by region. The total underwriting gains for 1995-2012 is $11 billion.