Crop-loss band · California
Merced County, California — crop-loss band
- 2.39Low end of the filed band
- 3.44Middle of the filed band
- 4.29High end of the filed band
- 2023Worst year filed (4.82)
- 10Years filed
Every year the Risk Management Agency has filed for Merced 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 2.39 at the low end to 4.29 at the high end, with 3.44 in the middle. The worst year filed is 2023, at 4.82. 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 | $4,512,870 | $19,378,044 | $66,930,264 | 412 | 411 | 4.29 |
| 2016 | $1,583,988 | $5,782,067 | $20,408,465 | 152 | 151 | 3.65 |
| 2017 | $3,064,169 | $10,538,985 | $46,521,287 | 312 | 312 | 3.44 |
| 2018 | $2,389,470 | $7,224,499 | $25,751,064 | 307 | 306 | 3.02 |
| 2019 | $3,030,361 | $12,333,581 | $50,471,234 | 451 | 451 | 4.07 |
| 2020 | $2,592,737 | $7,150,429 | $18,117,873 | 382 | 382 | 2.76 |
| 2021 | $3,210,174 | $7,658,324 | $28,520,304 | 429 | 428 | 2.39 |
| 2022 | $8,434,564 | $28,725,778 | $95,668,489 | 719 | 719 | 3.41 |
| 2023 | $10,670,753 | $51,386,507 | $160,526,984 | 993 | 993 | 4.82 |
| 2024 | $8,959,862 | $32,690,894 | $101,026,480 | 679 | 679 | 3.65 |
Commodities insured in Merced County
13 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
- 3.02Low end of the filed band
- 4.45Middle of the filed band
- 5.79High end of the filed band
- 2023Worst year filed (7.43)
- 10Years filed
- $15,759,038Premium filed
- $81,719,941Indemnity paid
- $353,602,652Liability insured
- 108,914Quantity planted
- 109,688Quantity lost
- 2,007Policies
- 2,005Policies with a loss
- 5.19Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Excess Moisture/Precipitation/Rain $36,058,909 indemnity · 10 years
- Cold Wet Weather $16,574,571 indemnity · 10 years
- Heat $14,396,413 indemnity · 9 years
- Freeze $6,098,293 indemnity · 7 years
- Frost $4,272,435 indemnity · 8 years
- Hail $2,143,678 indemnity · 8 years
Apiculture 10 years filed
- 0.36Low end of the filed band
- 1.67Middle of the filed band
- 2.46High end of the filed band
- 2020Worst year filed (2.53)
- 10Years filed
- $9,623,341Premium filed
- $19,056,660Indemnity paid
- $28,266,454Liability insured
- 248,203Quantity planted
- 0Quantity lost
- 1,546Policies
- 1,546Policies with a loss
- 1.98Loss ratio, whole span
Causes that carried the indemnity in Merced County
- ARPI/SCO/STAX Crops Only $19,056,660 indemnity · 10 years
Pistachios 8 years filed
- 0.69Low end of the filed band
- 2.58Middle of the filed band
- 7.20High end of the filed band
- 2015Worst year filed (7.20)
- 8Years filed
- $5,123,733Premium filed
- $16,350,432Indemnity paid
- $51,532,207Liability insured
- 13,660Quantity planted
- 13,660Quantity lost
- 119Policies
- 119Policies with a loss
- 3.19Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Heat $14,550,820 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $1,061,330 indemnity · 5 years
- Cold Wet Weather $537,946 indemnity · 4 years
- Hail $176,027 indemnity · 3 years
- Wind/Excess Wind $12,683 indemnity · 1 years
- Failure of Irrigation Supply $10,162 indemnity · 1 years
Cherries 10 years filed
- 0.43Low end of the filed band
- 2.30Middle of the filed band
- 3.54High end of the filed band
- 2015Worst year filed (5.34)
- 10Years filed
- $5,167,634Premium filed
- $11,423,731Indemnity paid
- $23,082,873Liability insured
- 3,125Quantity planted
- 3,128Quantity lost
- 120Policies
- 119Policies with a loss
- 2.21Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Excess Moisture/Precipitation/Rain $5,730,862 indemnity · 9 years
- Cold Wet Weather $2,558,687 indemnity · 7 years
- Heat $1,062,655 indemnity · 3 years
- Frost $962,097 indemnity · 3 years
- Decline in Price $954,234 indemnity · 1 years
- Freeze $135,558 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 1.02Low end of the filed band
- 1.91Middle of the filed band
- 2.53High end of the filed band
- 2020Worst year filed (2.72)
- 10Years filed
- $5,231,477Premium filed
- $10,587,492Indemnity paid
- $16,492,290Liability insured
- 805,060Quantity planted
- 0Quantity lost
- 518Policies
- 518Policies with a loss
- 2.02Loss ratio, whole span
Causes that carried the indemnity in Merced County
- ARPI/SCO/STAX Crops Only $10,587,492 indemnity · 10 years
Tomatoes 10 years filed
- 2.54Low end of the filed band
- 10.40Middle of the filed band
- 12.41High end of the filed band
- 2015Worst year filed (15.99)
- 10Years filed
- $1,001,393Premium filed
- $10,451,750Indemnity paid
- $56,459,554Liability insured
- 13,368Quantity planted
- 12,770Quantity lost
- 92Policies
- 92Policies with a loss
- 10.44Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Heat $7,836,472 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $1,644,986 indemnity · 7 years
- Cold Wet Weather $380,539 indemnity · 1 years
- Plant Disease $272,872 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $248,079 indemnity · 1 years
- Wind/Excess Wind $56,273 indemnity · 2 years
Cotton Ex Long Staple 9 years filed
- 1.99Low end of the filed band
- 4.68Middle of the filed band
- 9.85High end of the filed band
- 2017Worst year filed (9.85)
- 9Years filed
- $1,720,442Premium filed
- $8,626,114Indemnity paid
- $15,743,102Liability insured
- 10,791Quantity planted
- 10,795Quantity lost
- 100Policies
- 100Policies with a loss
- 5.01Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Failure of Irrigation Supply $3,333,772 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $3,100,715 indemnity · 6 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $1,155,791 indemnity · 2 years
- Heat $670,721 indemnity · 5 years
- Insects $135,652 indemnity · 3 years
- Cold Wet Weather $114,056 indemnity · 2 years
All Other Crops 10 years filed
- 1.04Low end of the filed band
- 3.93Middle of the filed band
- 10.12High end of the filed band
- 2023Worst year filed (12.63)
- 10Years filed
- $903,466Premium filed
- $6,585,209Indemnity paid
- $20,241,588Liability insured
- 882Quantity planted
- 882Quantity lost
- 35Policies
- 35Policies with a loss
- 7.29Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Excess Moisture/Precipitation/Rain $2,436,225 indemnity · 10 years
- Wind/Excess Wind $1,386,005 indemnity · 2 years
- Freeze $1,320,675 indemnity · 3 years
- Decline in Price $1,103,613 indemnity · 1 years
- Heat $257,573 indemnity · 4 years
- Frost $27,579 indemnity · 1 years
Grapes 8 years filed
- 0.59Low end of the filed band
- 2.24Middle of the filed band
- 9.80High end of the filed band
- 2024Worst year filed (9.80)
- 8Years filed
- $970,226Premium filed
- $6,531,025Indemnity paid
- $12,294,725Liability insured
- 4,263Quantity planted
- 4,263Quantity lost
- 32Policies
- 32Policies with a loss
- 6.73Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Heat $3,349,360 indemnity · 7 years
- Excess Moisture/Precipitation/Rain $1,782,433 indemnity · 4 years
- Freeze $1,199,030 indemnity · 3 years
- Fire $160,171 indemnity · 1 years
- Frost $35,229 indemnity · 1 years
- Hail $4,802 indemnity · 1 years
Cotton 9 years filed
- 2.97Low end of the filed band
- 7.02Middle of the filed band
- 12.15High end of the filed band
- 2020Worst year filed (12.15)
- 9Years filed
- $726,173Premium filed
- $4,333,310Indemnity paid
- $5,374,943Liability insured
- 8,675Quantity planted
- 8,977Quantity lost
- 47Policies
- 47Policies with a loss
- 5.97Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Failure of Irrigation Supply $3,635,857 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $413,836 indemnity · 4 years
- Heat $100,764 indemnity · 3 years
- Hail $68,950 indemnity · 1 years
- Insects $40,604 indemnity · 1 years
- Flood $34,445 indemnity · 1 years
Prunes 8 years filed
- 1.21Low end of the filed band
- 3.41Middle of the filed band
- 4.98High end of the filed band
- 2015Worst year filed (4.98)
- 8Years filed
- $1,051,313Premium filed
- $2,930,121Indemnity paid
- $7,030,289Liability insured
- 2,107Quantity planted
- 2,107Quantity lost
- 37Policies
- 37Policies with a loss
- 2.79Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Excess Moisture/Precipitation/Rain $1,312,674 indemnity · 6 years
- Heat $703,467 indemnity · 7 years
- Cold Wet Weather $343,494 indemnity · 2 years
- Hail $258,410 indemnity · 3 years
- Frost $187,012 indemnity · 3 years
- Freeze $110,318 indemnity · 2 years
Processing Cling Peaches 10 years filed
- 1.83Low end of the filed band
- 3.56Middle of the filed band
- 4.43High end of the filed band
- 2019Worst year filed (5.72)
- 10Years filed
- $686,996Premium filed
- $2,402,818Indemnity paid
- $11,081,242Liability insured
- 2,124Quantity planted
- 2,124Quantity lost
- 126Policies
- 125Policies with a loss
- 3.50Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Excess Moisture/Precipitation/Rain $1,101,798 indemnity · 10 years
- Heat $374,388 indemnity · 7 years
- Freeze $359,570 indemnity · 3 years
- Frost $233,182 indemnity · 5 years
- Cold Wet Weather $215,343 indemnity · 6 years
- Hail $118,539 indemnity · 3 years
Processing Freestone 10 years filed
- 1.12Low end of the filed band
- 4.19Middle of the filed band
- 5.50High end of the filed band
- 2022Worst year filed (7.54)
- 10Years filed
- $483,716Premium filed
- $1,870,505Indemnity paid
- $12,740,526Liability insured
- 2,444Quantity planted
- 2,425Quantity lost
- 57Policies
- 57Policies with a loss
- 3.87Loss ratio, whole span
Causes that carried the indemnity in Merced County
- Excess Moisture/Precipitation/Rain $883,072 indemnity · 10 years
- Heat $365,070 indemnity · 5 years
- Freeze $338,288 indemnity · 2 years
- Frost $194,063 indemnity · 3 years
- Cold Wet Weather $89,430 indemnity · 4 years
- Hail $583 indemnity · 1 years
Every county-crop the agency files in California →
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.
What this page shows
This page of the Velarion Records public-records register covers the crop-loss band for Merced County, California. It lists a low end of the filed band of 2.39, a middle of the filed band of 3.44, and a high end of the filed band of 4.29. The page gives 2023 as the worst year filed, at 4.82, and lists 10 years filed, from 2015 to 2024.
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