Crop-loss band · California
Kern County, California — crop-loss band
- 3.23Low end of the filed band
- 3.64Middle of the filed band
- 6.90High end of the filed band
- 2015Worst year filed (8.87)
- 10Years filed
Every year the Risk Management Agency has filed for Kern County is in the series below, from 2015 to 2019. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 3.23 at the low end to 6.90 at the high end, with 3.64 in the middle. The worst year filed is 2015, at 8.87. 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 | $18,984,623 | $168,480,328 | $331,768,418 | 628 | 628 | 8.87 |
| 2016 | $8,025,328 | $29,774,823 | $83,680,771 | 275 | 275 | 3.71 |
| 2017 | $11,564,566 | $38,779,172 | $142,031,419 | 427 | 427 | 3.35 |
| 2018 | $8,716,020 | $28,804,976 | $98,997,169 | 376 | 376 | 3.30 |
| 2019 | $14,462,294 | $52,597,982 | $139,952,973 | 365 | 365 | 3.64 |
| 2020 | $10,881,099 | $39,447,397 | $95,038,027 | 541 | 541 | 3.63 |
| 2021 | $13,965,760 | $45,157,390 | $134,781,052 | 566 | 563 | 3.23 |
| 2022 | $31,251,289 | $148,230,209 | $363,147,374 | 895 | 895 | 4.74 |
| 2023 | $14,862,701 | $102,592,173 | $237,436,498 | 763 | 763 | 6.90 |
| 2024 | $24,108,213 | $132,191,225 | $330,004,013 | 813 | 813 | 5.48 |
Commodities insured in Kern County
21 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.
Pistachios 10 years filed
- 1.65Low end of the filed band
- 2.96Middle of the filed band
- 5.67High end of the filed band
- 2015Worst year filed (18.37)
- 10Years filed
- $41,521,868Premium filed
- $238,179,304Indemnity paid
- $583,526,165Liability insured
- 136,417Quantity planted
- 136,450Quantity lost
- 564Policies
- 564Policies with a loss
- 5.74Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Heat $146,594,472 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $62,539,879 indemnity · 9 years
- Cold Wet Weather $8,183,920 indemnity · 5 years
- Wind/Excess Wind $5,714,995 indemnity · 6 years
- Frost $5,453,375 indemnity · 2 years
- Freeze $4,359,094 indemnity · 4 years
Table Grapes 10 years filed
- 7.13Low end of the filed band
- 11.27Middle of the filed band
- 13.97High end of the filed band
- 2019Worst year filed (16.46)
- 10Years filed
- $11,102,494Premium filed
- $135,671,082Indemnity paid
- $267,446,450Liability insured
- 35,703Quantity planted
- 35,667Quantity lost
- 914Policies
- 913Policies with a loss
- 12.22Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Excess Moisture/Precipitation/Rain $57,195,281 indemnity · 10 years
- Heat $50,723,004 indemnity · 10 years
- Freeze $9,756,148 indemnity · 8 years
- Hail $7,546,210 indemnity · 9 years
- Frost $5,937,787 indemnity · 8 years
- Cold Wet Weather $1,888,890 indemnity · 7 years
Almonds 10 years filed
- 2.02Low end of the filed band
- 3.42Middle of the filed band
- 6.27High end of the filed band
- 2022Worst year filed (10.26)
- 10Years filed
- $18,159,830Premium filed
- $98,378,214Indemnity paid
- $371,057,205Liability insured
- 105,054Quantity planted
- 105,055Quantity lost
- 651Policies
- 651Policies with a loss
- 5.42Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Excess Moisture/Precipitation/Rain $41,959,040 indemnity · 10 years
- Failure of Irrigation Supply $17,157,245 indemnity · 3 years
- Hail $15,731,681 indemnity · 7 years
- Heat $6,177,796 indemnity · 8 years
- Freeze $5,743,013 indemnity · 6 years
- Cold Wet Weather $4,400,450 indemnity · 6 years
Cotton Ex Long Staple 10 years filed
- 2.21Low end of the filed band
- 3.76Middle of the filed band
- 5.22High end of the filed band
- 2023Worst year filed (5.47)
- 10Years filed
- $15,865,115Premium filed
- $66,423,328Indemnity paid
- $83,269,405Liability insured
- 82,899Quantity planted
- 82,919Quantity lost
- 249Policies
- 249Policies with a loss
- 4.19Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Failure of Irrigation Supply $38,735,376 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $10,938,897 indemnity · 8 years
- Flood $6,762,304 indemnity · 2 years
- Cold Wet Weather $5,042,293 indemnity · 4 years
- Heat $3,096,925 indemnity · 9 years
- Insects $1,086,522 indemnity · 4 years
Cherries 10 years filed
- 1.34Low end of the filed band
- 2.16Middle of the filed band
- 3.97High end of the filed band
- 2017Worst year filed (4.32)
- 10Years filed
- $20,133,635Premium filed
- $49,910,879Indemnity paid
- $102,125,518Liability insured
- 15,804Quantity planted
- 15,849Quantity lost
- 490Policies
- 490Policies with a loss
- 2.48Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Excess Moisture/Precipitation/Rain $28,427,707 indemnity · 10 years
- Heat $8,452,649 indemnity · 6 years
- Freeze $4,617,852 indemnity · 5 years
- Cold Wet Weather $2,659,973 indemnity · 6 years
- Frost $2,516,253 indemnity · 5 years
- Hail $1,652,203 indemnity · 5 years
Mandarins/Tangerines 10 years filed
- 2.66Low end of the filed band
- 5.06Middle of the filed band
- 8.76High end of the filed band
- 2024Worst year filed (10.28)
- 10Years filed
- $7,040,727Premium filed
- $49,708,255Indemnity paid
- $156,161,338Liability insured
- 24,227Quantity planted
- 23,544Quantity lost
- 208Policies
- 208Policies with a loss
- 7.06Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Heat $25,125,392 indemnity · 10 years
- Cold Wet Weather $7,715,533 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $5,811,359 indemnity · 7 years
- Wind/Excess Wind $5,374,681 indemnity · 4 years
- Freeze $4,082,168 indemnity · 7 years
- Hail $925,619 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 0.16Low end of the filed band
- 1.95Middle of the filed band
- 2.61High end of the filed band
- 2017Worst year filed (2.76)
- 10Years filed
- $12,718,285Premium filed
- $27,429,007Indemnity paid
- $47,957,331Liability insured
- 2,673,167Quantity planted
- 0Quantity lost
- 623Policies
- 623Policies with a loss
- 2.16Loss ratio, whole span
Causes that carried the indemnity in Kern County
- ARPI/SCO/STAX Crops Only $27,429,007 indemnity · 10 years
Apiculture 9 years filed
- 0.33Low end of the filed band
- 2.00Middle of the filed band
- 2.68High end of the filed band
- 2020Worst year filed (2.68)
- 9Years filed
- $9,804,634Premium filed
- $20,811,165Indemnity paid
- $35,563,578Liability insured
- 321,520Quantity planted
- 0Quantity lost
- 966Policies
- 966Policies with a loss
- 2.12Loss ratio, whole span
Causes that carried the indemnity in Kern County
- ARPI/SCO/STAX Crops Only $20,811,165 indemnity · 9 years
Oranges 10 years filed
- 2.37Low end of the filed band
- 4.36Middle of the filed band
- 5.60High end of the filed band
- 2016Worst year filed (8.44)
- 10Years filed
- $3,992,909Premium filed
- $18,834,047Indemnity paid
- $67,276,135Liability insured
- 18,457Quantity planted
- 18,401Quantity lost
- 342Policies
- 342Policies with a loss
- 4.72Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Heat $6,608,097 indemnity · 8 years
- Wind/Excess Wind $3,277,968 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $2,919,930 indemnity · 8 years
- Insects $1,274,249 indemnity · 2 years
- Freeze $1,272,073 indemnity · 10 years
- Cold Wet Weather $1,165,708 indemnity · 7 years
Potatoes 10 years filed
- 2.06Low end of the filed band
- 3.71Middle of the filed band
- 7.65High end of the filed band
- 2015Worst year filed (9.30)
- 10Years filed
- $4,392,648Premium filed
- $14,874,550Indemnity paid
- $45,368,366Liability insured
- 23,447Quantity planted
- 23,447Quantity lost
- 58Policies
- 58Policies with a loss
- 3.39Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Heat $5,885,418 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $4,942,848 indemnity · 9 years
- Freeze $2,570,466 indemnity · 4 years
- Cold Wet Weather $1,098,334 indemnity · 1 years
- Failure of Irrigation Supply $223,246 indemnity · 1 years
- Frost $113,618 indemnity · 1 years
Blueberries 8 years filed
- 4.36Low end of the filed band
- 13.14Middle of the filed band
- 23.04High end of the filed band
- 2018Worst year filed (23.04)
- 8Years filed
- $1,042,718Premium filed
- $13,464,287Indemnity paid
- $26,357,167Liability insured
- 2,113Quantity planted
- 2,113Quantity lost
- 45Policies
- 45Policies with a loss
- 12.91Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Freeze $4,812,382 indemnity · 4 years
- Hail $4,393,326 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $2,470,088 indemnity · 7 years
- Heat $1,707,012 indemnity · 3 years
- Frost $81,479 indemnity · 1 years
Grapes 10 years filed
- 2.46Low end of the filed band
- 5.32Middle of the filed band
- 8.10High end of the filed band
- 2022Worst year filed (9.06)
- 10Years filed
- $2,039,176Premium filed
- $12,652,498Indemnity paid
- $34,061,825Liability insured
- 17,195Quantity planted
- 17,117Quantity lost
- 202Policies
- 202Policies with a loss
- 6.20Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Heat $4,921,387 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $4,739,338 indemnity · 9 years
- Freeze $768,712 indemnity · 6 years
- Failure of Irrigation Supply $734,790 indemnity · 1 years
- Hail $497,995 indemnity · 8 years
- Wind/Excess Wind $440,924 indemnity · 6 years
All Other Crops 10 years filed
- 1.20Low end of the filed band
- 3.30Middle of the filed band
- 7.68High end of the filed band
- 2015Worst year filed (7.77)
- 10Years filed
- $2,142,979Premium filed
- $10,337,537Indemnity paid
- $27,861,503Liability insured
- 32,546Quantity planted
- 5,692Quantity lost
- 61Policies
- 61Policies with a loss
- 4.82Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Decline in Price $4,146,984 indemnity · 4 years
- Heat $3,289,269 indemnity · 8 years
- Cold Wet Weather $1,251,612 indemnity · 2 years
- Frost $489,560 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $440,975 indemnity · 5 years
- Freeze $323,802 indemnity · 3 years
Tomatoes 8 years filed
- 0.96Low end of the filed band
- 9.20Middle of the filed band
- 127.39High end of the filed band
- 2019Worst year filed (127.39)
- 8Years filed
- $879,473Premium filed
- $9,483,526Indemnity paid
- $25,993,924Liability insured
- 7,277Quantity planted
- 6,980Quantity lost
- 40Policies
- 40Policies with a loss
- 10.78Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Excess Moisture/Precipitation/Rain $1,914,584 indemnity · 5 years
- Plant Disease $1,773,230 indemnity · 2 years
- Insects $1,673,426 indemnity · 1 years
- Heat $1,495,687 indemnity · 7 years
- Cold Wet Weather $1,345,237 indemnity · 2 years
- Wind/Excess Wind $1,057,856 indemnity · 2 years
Whole Farm Revenue Protection 8 years filed
- 0.71Low end of the filed band
- 2.86Middle of the filed band
- 13.90High end of the filed band
- 2023Worst year filed (13.90)
- 8Years filed
- $1,967,351Premium filed
- $7,596,559Indemnity paid
- $42,360,115Liability insured
- 0Quantity planted
- 0Quantity lost
- 23Policies
- 23Policies with a loss
- 3.86Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Cold Wet Weather $2,665,792 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $2,365,092 indemnity · 4 years
- Wind/Excess Wind $1,067,560 indemnity · 3 years
- Heat $603,758 indemnity · 5 years
- Decline in Price $419,206 indemnity · 3 years
- Freeze $290,966 indemnity · 1 years
Lemons 8 years filed
- 0.21Low end of the filed band
- 1.09Middle of the filed band
- 6.81High end of the filed band
- 2024Worst year filed (6.81)
- 8Years filed
- $1,902,305Premium filed
- $2,882,094Indemnity paid
- $14,711,702Liability insured
- 2,272Quantity planted
- 2,272Quantity lost
- 54Policies
- 52Policies with a loss
- 1.52Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Heat $917,239 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $522,667 indemnity · 2 years
- Wind/Excess Wind $384,492 indemnity · 4 years
- Frost $292,010 indemnity · 2 years
- Insects $290,689 indemnity · 1 years
- Freeze $233,768 indemnity · 5 years
Cotton 10 years filed
- 2.61Low end of the filed band
- 3.76Middle of the filed band
- 4.99High end of the filed band
- 2015Worst year filed (5.77)
- 10Years filed
- $694,163Premium filed
- $2,844,024Indemnity paid
- $3,362,175Liability insured
- 5,149Quantity planted
- 8,192Quantity lost
- 47Policies
- 47Policies with a loss
- 4.10Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Failure of Irrigation Supply $1,569,145 indemnity · 6 years
- Cold Wet Weather $588,023 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $272,223 indemnity · 3 years
- ARPI/SCO/STAX/MP Crops Only $269,292 indemnity · 4 years
- Cold Winter $107,894 indemnity · 1 years
- Heat $37,447 indemnity · 1 years
Onions 9 years filed
- 5.01Low end of the filed band
- 6.35Middle of the filed band
- 11.52High end of the filed band
- 2020Worst year filed (11.52)
- 9Years filed
- $427,502Premium filed
- $2,670,324Indemnity paid
- $5,782,037Liability insured
- 2,263Quantity planted
- 2,263Quantity lost
- 32Policies
- 32Policies with a loss
- 6.25Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Heat $786,723 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $764,629 indemnity · 5 years
- Cold Wet Weather $447,997 indemnity · 1 years
- Hail $225,005 indemnity · 2 years
- Frost $220,654 indemnity · 2 years
- Failure of Irrigation Supply $170,856 indemnity · 2 years
Grapefruit 6 years filed
- 2.70Low end of the filed band
- 3.84Middle of the filed band
- 9.05High end of the filed band
- 2024Worst year filed (9.05)
- 6Years filed
- $282,084Premium filed
- $1,894,427Indemnity paid
- $4,578,147Liability insured
- 603Quantity planted
- 603Quantity lost
- 13Policies
- 13Policies with a loss
- 6.72Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Insects $1,286,928 indemnity · 1 years
- Cold Wet Weather $270,763 indemnity · 1 years
- Heat $128,387 indemnity · 3 years
- Wind/Excess Wind $116,041 indemnity · 1 years
- Freeze $77,705 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $14,602 indemnity · 1 years
Dry Beans 9 years filed
- 2.08Low end of the filed band
- 4.60Middle of the filed band
- 6.93High end of the filed band
- 2015Worst year filed (6.93)
- 9Years filed
- $291,174Premium filed
- $1,556,465Indemnity paid
- $1,998,050Liability insured
- 2,501Quantity planted
- 2,501Quantity lost
- 32Policies
- 32Policies with a loss
- 5.35Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Failure of Irrigation Supply $1,095,583 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $308,716 indemnity · 4 years
- Heat $121,111 indemnity · 2 years
- Cold Wet Weather $31,055 indemnity · 1 years
Raisins 5 years filed
- 0.32Low end of the filed band
- 0.65Middle of the filed band
- 2.77High end of the filed band
- 2017Worst year filed (2.77)
- 5Years filed
- $420,823Premium filed
- $454,103Indemnity paid
- $10,019,578Liability insured
- 8,874Quantity planted
- 3,926Quantity lost
- 35Policies
- 35Policies with a loss
- 1.08Loss ratio, whole span
Causes that carried the indemnity in Kern County
- Excess Moisture/Precipitation/Rain $454,103 indemnity · 5 years
Every county-crop the agency files in California → Buy the Kern 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.