Crop-loss band · California
Lake County, California — crop-loss band
- 2.86Low end of the filed band
- 7.65Middle of the filed band
- 15.62High end of the filed band
- 2018Worst year filed (19.35)
- 10Years filed
Every year the Risk Management Agency has filed for Lake County is in the series below, from 2015 to 2021. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 2.86 at the low end to 15.62 at the high end, with 7.65 in the middle. The worst year filed is 2018, at 19.35. 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 | $217,283 | $806,372 | $2,772,141 | 39 | 39 | 3.71 |
| 2016 | $151,787 | $433,672 | $2,519,293 | 28 | 28 | 2.86 |
| 2017 | $101,342 | $1,133,314 | $1,989,120 | 19 | 19 | 11.18 |
| 2018 | $285,122 | $5,517,197 | $8,931,187 | 49 | 49 | 19.35 |
| 2019 | $523,650 | $3,971,153 | $12,304,095 | 44 | 44 | 7.58 |
| 2020 | $924,457 | $14,436,035 | $21,250,606 | 103 | 103 | 15.62 |
| 2021 | $1,371,238 | $10,627,656 | $35,418,123 | 113 | 113 | 7.75 |
| 2022 | $897,787 | $6,562,691 | $19,400,188 | 75 | 75 | 7.31 |
| 2023 | $420,587 | $4,526,640 | $7,264,762 | 44 | 44 | 10.76 |
| 2024 | $1,014,865 | $7,758,787 | $17,211,793 | 61 | 61 | 7.65 |
Commodities insured in Lake 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
- 5.77Low end of the filed band
- 8.05Middle of the filed band
- 19.23High end of the filed band
- 2018Worst year filed (29.34)
- 10Years filed
- $4,937,633Premium filed
- $51,796,318Indemnity paid
- $116,111,841Liability insured
- 17,051Quantity planted
- 17,064Quantity lost
- 439Policies
- 439Policies with a loss
- 10.49Loss ratio, whole span
Causes that carried the indemnity in Lake County
- Fire $17,835,521 indemnity · 7 years
- Heat $17,185,535 indemnity · 10 years
- Freeze $5,851,288 indemnity · 5 years
- Frost $4,774,141 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $2,663,177 indemnity · 7 years
- Cold Wet Weather $2,038,610 indemnity · 7 years
Pears 9 years filed
- 4.00Low end of the filed band
- 8.37Middle of the filed band
- 28.82High end of the filed band
- 2015Worst year filed (28.82)
- 9Years filed
- $299,778Premium filed
- $2,588,666Indemnity paid
- $10,548,080Liability insured
- 2,042Quantity planted
- 2,141Quantity lost
- 62Policies
- 62Policies with a loss
- 8.64Loss ratio, whole span
Causes that carried the indemnity in Lake County
- Heat $1,087,463 indemnity · 5 years
- Frost $372,149 indemnity · 5 years
- Hail $364,865 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $254,465 indemnity · 5 years
- Cold Wet Weather $204,602 indemnity · 6 years
- Failure of Irrigation Supply $111,944 indemnity · 1 years
All Other Crops 7 years filed
- 0.49Low end of the filed band
- 1.86Middle of the filed band
- 2.65High end of the filed band
- 2020Worst year filed (2.65)
- 7Years filed
- $670,707Premium filed
- $1,388,533Indemnity paid
- $2,401,387Liability insured
- 96,119Quantity planted
- 150Quantity lost
- 74Policies
- 74Policies with a loss
- 2.07Loss ratio, whole span
Causes that carried the indemnity in Lake County
- ARPI/SCO/STAX Crops Only $1,386,714 indemnity · 7 years
- Failure of Irrigation Supply $1,819 indemnity · 1 years
Every county-crop the agency files in California → Buy the Lake 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.