Crop-loss band · California
Imperial County, California — crop-loss band
- 2.35Low end of the filed band
- 3.07Middle of the filed band
- 7.05High end of the filed band
- 2017Worst year filed (7.86)
- 10Years filed
Every year the Risk Management Agency has filed for Imperial County is in the series below, from 2016 to 2024. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 2.35 at the low end to 7.05 at the high end, with 3.07 in the middle. The worst year filed is 2017, at 7.86. 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 | $598,919 | $1,837,663 | $5,405,017 | 35 | 35 | 3.07 |
| 2016 | $1,059,513 | $7,467,226 | $16,783,375 | 53 | 53 | 7.05 |
| 2017 | $2,337,320 | $18,374,909 | $36,160,595 | 131 | 131 | 7.86 |
| 2018 | $1,542,708 | $7,359,451 | $18,662,494 | 141 | 141 | 4.77 |
| 2019 | $1,142,669 | $2,700,253 | $14,245,715 | 121 | 121 | 2.36 |
| 2020 | $1,459,253 | $3,426,907 | $10,748,867 | 103 | 103 | 2.35 |
| 2021 | $1,400,950 | $5,637,948 | $20,751,943 | 110 | 110 | 4.02 |
| 2022 | $1,435,394 | $4,024,425 | $15,932,303 | 116 | 116 | 2.80 |
| 2023 | $1,551,658 | $4,144,819 | $11,595,467 | 119 | 119 | 2.67 |
| 2024 | $1,015,031 | $3,491,632 | $13,541,099 | 78 | 78 | 3.44 |
Commodities insured in Imperial County
7 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.
Alfalfa Seed 5 years filed
- 6.19Low end of the filed band
- 7.80Middle of the filed band
- 10.00High end of the filed band
- 2017Worst year filed (10.00)
- 5Years filed
- $3,386,022Premium filed
- $28,754,206Indemnity paid
- $53,135,370Liability insured
- 30,475Quantity planted
- 30,475Quantity lost
- 228Policies
- 228Policies with a loss
- 8.49Loss ratio, whole span
Causes that carried the indemnity in Imperial County
- Heat $11,224,248 indemnity · 5 years
- ARPI/SCO/STAX/MP Crops Only $6,197,597 indemnity · 3 years
- Wind/Excess Wind $5,676,320 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $4,594,255 indemnity · 4 years
- Insects $539,631 indemnity · 2 years
- Hot Wind $345,179 indemnity · 2 years
All Other Crops 10 years filed
- 1.90Low end of the filed band
- 3.00Middle of the filed band
- 5.17High end of the filed band
- 2021Worst year filed (5.70)
- 10Years filed
- $3,414,308Premium filed
- $11,948,235Indemnity paid
- $41,554,598Liability insured
- 15,583Quantity planted
- 15,424Quantity lost
- 172Policies
- 172Policies with a loss
- 3.50Loss ratio, whole span
Causes that carried the indemnity in Imperial County
- Heat $6,665,785 indemnity · 10 years
- Wind/Excess Wind $1,835,014 indemnity · 9 years
- Freeze $1,526,026 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $775,844 indemnity · 7 years
- Frost $510,428 indemnity · 1 years
- Hail $427,462 indemnity · 1 years
Sugar Beets 10 years filed
- 1.54Low end of the filed band
- 4.01Middle of the filed band
- 11.18High end of the filed band
- 2015Worst year filed (23.24)
- 10Years filed
- $1,740,905Premium filed
- $6,621,251Indemnity paid
- $39,976,273Liability insured
- 20,333Quantity planted
- 20,313Quantity lost
- 230Policies
- 230Policies with a loss
- 3.80Loss ratio, whole span
Causes that carried the indemnity in Imperial County
- Excess Moisture/Precipitation/Rain $3,425,925 indemnity · 8 years
- Heat $2,193,617 indemnity · 8 years
- Cold Wet Weather $554,347 indemnity · 3 years
- Freeze $263,986 indemnity · 3 years
- Wind/Excess Wind $62,179 indemnity · 4 years
- Hot Wind $51,104 indemnity · 1 years
Apiculture 10 years filed
- 0.40Low end of the filed band
- 1.76Middle of the filed band
- 2.09High end of the filed band
- 2018Worst year filed (2.30)
- 10Years filed
- $2,804,059Premium filed
- $4,455,789Indemnity paid
- $6,415,722Liability insured
- 59,802Quantity planted
- 0Quantity lost
- 149Policies
- 149Policies with a loss
- 1.59Loss ratio, whole span
Causes that carried the indemnity in Imperial County
- ARPI/SCO/STAX Crops Only $4,455,789 indemnity · 10 years
Onions 8 years filed
- 0.81Low end of the filed band
- 2.41Middle of the filed band
- 6.35High end of the filed band
- 2016Worst year filed (6.35)
- 8Years filed
- $781,807Premium filed
- $2,578,779Indemnity paid
- $12,837,483Liability insured
- 3,729Quantity planted
- 3,655Quantity lost
- 56Policies
- 56Policies with a loss
- 3.30Loss ratio, whole span
Causes that carried the indemnity in Imperial County
- Excess Moisture/Precipitation/Rain $778,855 indemnity · 4 years
- Cold Wet Weather $492,428 indemnity · 2 years
- ARPI/SCO/STAX/MP Crops Only $436,583 indemnity · 2 years
- Insects $407,904 indemnity · 3 years
- Heat $170,646 indemnity · 4 years
- Plant Disease $160,908 indemnity · 2 years
Forage Production 6 years filed
- 1.47Low end of the filed band
- 4.28Middle of the filed band
- 11.74High end of the filed band
- 2023Worst year filed (11.74)
- 6Years filed
- $383,832Premium filed
- $2,569,543Indemnity paid
- $7,633,649Liability insured
- 2,694Quantity planted
- 2,512Quantity lost
- 11Policies
- 11Policies with a loss
- 6.69Loss ratio, whole span
Causes that carried the indemnity in Imperial County
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $1,938,450 indemnity · 3 years
- Heat $491,711 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $104,141 indemnity · 1 years
- Wind/Excess Wind $24,669 indemnity · 1 years
- Cold Wet Weather $8,810 indemnity · 1 years
- Other (Snow, Lightning, Etc.) $1,762 indemnity · 1 years
Pasture,Rangeland,Forage 6 years filed
- 0.30Low end of the filed band
- 1.09Middle of the filed band
- 2.07High end of the filed band
- 2024Worst year filed (2.07)
- 6Years filed
- $1,032,482Premium filed
- $1,537,430Indemnity paid
- $2,273,780Liability insured
- 136,335Quantity planted
- 0Quantity lost
- 161Policies
- 161Policies with a loss
- 1.49Loss ratio, whole span
Causes that carried the indemnity in Imperial County
- ARPI/SCO/STAX/MP Crops Only $1,537,430 indemnity · 6 years
Every county-crop the agency files in California → Buy the Imperial 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.