Crop-loss band · California
El Dorado County, California — crop-loss band
- 1.69Low end of the filed band
- 2.87Middle of the filed band
- 8.69High end of the filed band
- 2020Worst year filed (9.95)
- 10Years filed
Every year the Risk Management Agency has filed for El Dorado 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 1.69 at the low end to 8.69 at the high end, with 2.87 in the middle. The worst year filed is 2020, at 9.95. 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 | $61,836 | $146,168 | $605,058 | 18 | 18 | 2.36 |
| 2016 | $55,281 | $105,880 | $392,855 | 17 | 17 | 1.92 |
| 2017 | $50,188 | $239,022 | $317,862 | 19 | 19 | 4.76 |
| 2018 | $21,840 | $36,926 | $150,531 | 12 | 12 | 1.69 |
| 2019 | $31,347 | $68,976 | $321,344 | 25 | 25 | 2.20 |
| 2020 | $74,571 | $742,032 | $945,728 | 31 | 31 | 9.95 |
| 2021 | $146,717 | $1,071,375 | $2,581,292 | 56 | 56 | 7.30 |
| 2022 | $367,702 | $3,196,882 | $4,998,923 | 90 | 90 | 8.69 |
| 2023 | $138,691 | $398,266 | $1,208,026 | 57 | 57 | 2.87 |
| 2024 | $134,154 | $434,173 | $1,245,306 | 61 | 61 | 3.24 |
Commodities insured in El Dorado County
3 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.
Grapes 10 years filed
- 1.11Low end of the filed band
- 4.53Middle of the filed band
- 13.57High end of the filed band
- 2020Worst year filed (16.41)
- 10Years filed
- $482,179Premium filed
- $4,981,300Indemnity paid
- $10,229,940Liability insured
- 2,179Quantity planted
- 2,180Quantity lost
- 203Policies
- 203Policies with a loss
- 10.33Loss ratio, whole span
Causes that carried the indemnity in El Dorado County
- Fire $1,812,261 indemnity · 3 years
- Freeze $1,376,968 indemnity · 4 years
- Heat $958,932 indemnity · 7 years
- Cold Wet Weather $217,814 indemnity · 5 years
- Frost $198,844 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $185,363 indemnity · 4 years
Apples 8 years filed
- 0.74Low end of the filed band
- 1.73Middle of the filed band
- 5.51High end of the filed band
- 2017Worst year filed (5.51)
- 8Years filed
- $260,447Premium filed
- $845,921Indemnity paid
- $1,424,525Liability insured
- 360Quantity planted
- 360Quantity lost
- 36Policies
- 36Policies with a loss
- 3.25Loss ratio, whole span
Causes that carried the indemnity in El Dorado County
- Freeze $465,272 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $165,745 indemnity · 2 years
- Hail $135,639 indemnity · 4 years
- Cold Wet Weather $49,217 indemnity · 2 years
- Wind/Excess Wind $17,793 indemnity · 1 years
- Heat $10,175 indemnity · 1 years
Apiculture 9 years filed
- 0.96Low end of the filed band
- 1.92Middle of the filed band
- 2.74High end of the filed band
- 2020Worst year filed (2.74)
- 9Years filed
- $339,701Premium filed
- $612,479Indemnity paid
- $1,112,460Liability insured
- 9,915Quantity planted
- 0Quantity lost
- 147Policies
- 147Policies with a loss
- 1.80Loss ratio, whole span
Causes that carried the indemnity in El Dorado County
- ARPI/SCO/STAX/MP Crops Only $612,479 indemnity · 9 years
Every county-crop the agency files in California → Buy the El Dorado 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.