Crop-loss band · California
Madera County, California — crop-loss band
- 2.84Low end of the filed band
- 3.52Middle of the filed band
- 3.86High end of the filed band
- 2023Worst year filed (5.18)
- 10Years filed
Every year the Risk Management Agency has filed for Madera 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 2.84 at the low end to 3.86 at the high end, with 3.52 in the middle. The worst year filed is 2023, at 5.18. 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 | $4,487,253 | $15,708,628 | $56,522,791 | 398 | 398 | 3.50 |
| 2016 | $3,321,785 | $12,414,481 | $44,151,621 | 132 | 132 | 3.74 |
| 2017 | $3,895,000 | $13,920,443 | $55,888,783 | 457 | 456 | 3.57 |
| 2018 | $3,404,903 | $11,992,951 | $46,930,667 | 306 | 306 | 3.52 |
| 2019 | $4,091,661 | $12,567,258 | $46,779,504 | 580 | 580 | 3.07 |
| 2020 | $3,566,984 | $10,138,841 | $31,848,988 | 521 | 521 | 2.84 |
| 2021 | $3,645,021 | $12,494,647 | $45,356,873 | 660 | 655 | 3.43 |
| 2022 | $12,360,712 | $47,678,867 | $143,875,311 | 1,089 | 1,089 | 3.86 |
| 2023 | $14,400,379 | $74,539,959 | $212,056,937 | 1,167 | 1,167 | 5.18 |
| 2024 | $8,183,410 | $30,059,222 | $94,558,088 | 702 | 702 | 3.67 |
Commodities insured in Madera County
15 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.
Almonds 10 years filed
- 2.20Low end of the filed band
- 3.85Middle of the filed band
- 5.65High end of the filed band
- 2023Worst year filed (7.55)
- 10Years filed
- $18,871,540Premium filed
- $99,861,613Indemnity paid
- $355,033,380Liability insured
- 103,525Quantity planted
- 103,529Quantity lost
- 1,199Policies
- 1,196Policies with a loss
- 5.29Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Excess Moisture/Precipitation/Rain $40,978,334 indemnity · 10 years
- Cold Wet Weather $17,527,400 indemnity · 10 years
- Freeze $17,226,965 indemnity · 7 years
- Hail $9,327,556 indemnity · 9 years
- Frost $6,073,386 indemnity · 9 years
- Heat $5,417,026 indemnity · 9 years
Pistachios 9 years filed
- 1.33Low end of the filed band
- 3.46Middle of the filed band
- 8.16High end of the filed band
- 2015Worst year filed (8.16)
- 9Years filed
- $8,205,009Premium filed
- $31,180,148Indemnity paid
- $104,217,030Liability insured
- 31,832Quantity planted
- 31,694Quantity lost
- 939Policies
- 937Policies with a loss
- 3.80Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Heat $16,990,313 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $7,891,658 indemnity · 7 years
- Cold Wet Weather $2,644,521 indemnity · 5 years
- Hail $1,019,250 indemnity · 5 years
- Freeze $856,227 indemnity · 3 years
- Failure of Irrigation Supply $757,667 indemnity · 4 years
Apiculture 10 years filed
- 0.41Low end of the filed band
- 2.01Middle of the filed band
- 2.53High end of the filed band
- 2020Worst year filed (2.64)
- 10Years filed
- $13,004,065Premium filed
- $26,238,480Indemnity paid
- $40,275,393Liability insured
- 357,097Quantity planted
- 0Quantity lost
- 2,365Policies
- 2,365Policies with a loss
- 2.02Loss ratio, whole span
Causes that carried the indemnity in Madera County
- ARPI/SCO/STAX Crops Only $26,238,480 indemnity · 10 years
Mandarins/Tangerines 10 years filed
- 0.14Low end of the filed band
- 3.84Middle of the filed band
- 6.29High end of the filed band
- 2024Worst year filed (6.40)
- 10Years filed
- $5,315,215Premium filed
- $25,870,917Indemnity paid
- $60,565,169Liability insured
- 7,036Quantity planted
- 6,730Quantity lost
- 85Policies
- 85Policies with a loss
- 4.87Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Heat $21,577,975 indemnity · 9 years
- Freeze $3,155,176 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $1,116,982 indemnity · 4 years
- Frost $19,618 indemnity · 1 years
- Wind/Excess Wind $776 indemnity · 1 years
- Cold Wet Weather $390 indemnity · 1 years
Grapes 10 years filed
- 4.10Low end of the filed band
- 5.05Middle of the filed band
- 10.02High end of the filed band
- 2023Worst year filed (15.10)
- 10Years filed
- $2,571,567Premium filed
- $19,249,900Indemnity paid
- $61,027,853Liability insured
- 27,624Quantity planted
- 27,625Quantity lost
- 490Policies
- 489Policies with a loss
- 7.49Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Heat $9,552,086 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $4,789,513 indemnity · 10 years
- Hail $1,787,375 indemnity · 9 years
- Cold Wet Weather $1,048,785 indemnity · 6 years
- Frost $804,710 indemnity · 7 years
- Flood $414,268 indemnity · 1 years
Pasture,Rangeland,Forage 9 years filed
- 1.55Low end of the filed band
- 2.27Middle of the filed band
- 2.99High end of the filed band
- 2020Worst year filed (2.99)
- 9Years filed
- $3,279,587Premium filed
- $7,128,369Indemnity paid
- $11,226,606Liability insured
- 566,830Quantity planted
- 0Quantity lost
- 374Policies
- 374Policies with a loss
- 2.17Loss ratio, whole span
Causes that carried the indemnity in Madera County
- ARPI/SCO/STAX Crops Only $7,128,369 indemnity · 9 years
Tomatoes 7 years filed
- 3.40Low end of the filed band
- 11.98Middle of the filed band
- 31.18High end of the filed band
- 2017Worst year filed (31.18)
- 7Years filed
- $736,406Premium filed
- $6,707,184Indemnity paid
- $32,829,591Liability insured
- 6,561Quantity planted
- 6,332Quantity lost
- 49Policies
- 49Policies with a loss
- 9.11Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Heat $4,909,062 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $1,711,712 indemnity · 4 years
- Insects $86,410 indemnity · 1 years
Whole Farm Revenue Protection 6 years filed
- 0.99Low end of the filed band
- 2.41Middle of the filed band
- 5.05High end of the filed band
- 2017Worst year filed (5.05)
- 6Years filed
- $1,832,585Premium filed
- $5,503,616Indemnity paid
- $34,166,872Liability insured
- 0Quantity planted
- 0Quantity lost
- 22Policies
- 22Policies with a loss
- 3.00Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Cold Wet Weather $1,908,942 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $1,568,429 indemnity · 3 years
- Freeze $936,071 indemnity · 2 years
- Decline in Price $530,986 indemnity · 4 years
- Wind/Excess Wind $415,019 indemnity · 2 years
- Heat $144,169 indemnity · 2 years
Cherries 10 years filed
- 0.57Low end of the filed band
- 1.59Middle of the filed band
- 3.29High end of the filed band
- 2015Worst year filed (4.84)
- 10Years filed
- $3,795,495Premium filed
- $5,420,070Indemnity paid
- $16,642,165Liability insured
- 2,247Quantity planted
- 2,247Quantity lost
- 111Policies
- 111Policies with a loss
- 1.43Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Freeze $1,694,440 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $1,670,879 indemnity · 9 years
- Heat $839,367 indemnity · 4 years
- Hail $816,295 indemnity · 5 years
- Frost $208,851 indemnity · 1 years
- Cold Wet Weather $175,964 indemnity · 6 years
Table Grapes 9 years filed
- 0.20Low end of the filed band
- 8.69Middle of the filed band
- 11.09High end of the filed band
- 2018Worst year filed (11.09)
- 9Years filed
- $498,931Premium filed
- $3,822,883Indemnity paid
- $8,222,404Liability insured
- 1,448Quantity planted
- 1,448Quantity lost
- 62Policies
- 62Policies with a loss
- 7.66Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Heat $2,040,184 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $603,459 indemnity · 6 years
- Freeze $548,746 indemnity · 4 years
- Frost $475,743 indemnity · 6 years
- Hail $129,007 indemnity · 5 years
- Wind/Excess Wind $25,744 indemnity · 1 years
Figs 9 years filed
- 2.92Low end of the filed band
- 8.44Middle of the filed band
- 13.61High end of the filed band
- 2023Worst year filed (13.61)
- 9Years filed
- $417,596Premium filed
- $3,510,198Indemnity paid
- $15,954,503Liability insured
- 7,177Quantity planted
- 7,177Quantity lost
- 50Policies
- 50Policies with a loss
- 8.41Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Heat $2,385,598 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $491,379 indemnity · 3 years
- Frost $439,413 indemnity · 2 years
- Freeze $77,652 indemnity · 2 years
- Hail $76,386 indemnity · 2 years
- Failure of Irrigation Supply $39,770 indemnity · 1 years
Prunes 8 years filed
- 1.11Low end of the filed band
- 1.96Middle of the filed band
- 3.52High end of the filed band
- 2020Worst year filed (3.52)
- 8Years filed
- $1,387,213Premium filed
- $3,247,460Indemnity paid
- $10,659,246Liability insured
- 2,800Quantity planted
- 2,800Quantity lost
- 44Policies
- 44Policies with a loss
- 2.34Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Heat $1,227,824 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $1,137,546 indemnity · 4 years
- Hail $314,920 indemnity · 7 years
- Wind/Excess Wind $170,335 indemnity · 1 years
- Cold Wet Weather $152,391 indemnity · 3 years
- Frost $148,793 indemnity · 1 years
Oranges 9 years filed
- 1.21Low end of the filed band
- 3.49Middle of the filed band
- 8.06High end of the filed band
- 2020Worst year filed (8.06)
- 9Years filed
- $674,229Premium filed
- $2,644,121Indemnity paid
- $10,783,051Liability insured
- 2,644Quantity planted
- 2,527Quantity lost
- 102Policies
- 102Policies with a loss
- 3.92Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Heat $2,187,898 indemnity · 8 years
- Excess Moisture/Precipitation/Rain $219,995 indemnity · 4 years
- Freeze $201,592 indemnity · 7 years
- Hail $28,213 indemnity · 3 years
- Failure of Irrigation Supply $6,424 indemnity · 1 years
All Other Crops 8 years filed
- 0.11Low end of the filed band
- 2.84Middle of the filed band
- 7.47High end of the filed band
- 2021Worst year filed (7.47)
- 8Years filed
- $263,134Premium filed
- $567,491Indemnity paid
- $2,805,717Liability insured
- 911Quantity planted
- 911Quantity lost
- 21Policies
- 21Policies with a loss
- 2.16Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Heat $349,799 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $118,384 indemnity · 5 years
- Cold Wet Weather $39,440 indemnity · 1 years
- Wildlife $38,798 indemnity · 1 years
- Freeze $21,071 indemnity · 2 years
Raisins 8 years filed
- 0.09Low end of the filed band
- 1.14Middle of the filed band
- 2.26High end of the filed band
- 2020Worst year filed (2.26)
- 8Years filed
- $504,535Premium filed
- $562,847Indemnity paid
- $13,560,583Liability insured
- 11,402Quantity planted
- 4,901Quantity lost
- 99Policies
- 99Policies with a loss
- 1.12Loss ratio, whole span
Causes that carried the indemnity in Madera County
- Excess Moisture/Precipitation/Rain $562,847 indemnity · 8 years
Every county-crop the agency files in California → Buy the Madera 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.