Crop-loss band · California
Napa County, California — crop-loss band
- 3.16Low end of the filed band
- 4.45Middle of the filed band
- 8.59High end of the filed band
- 2020Worst year filed (21.38)
- 10Years filed
Every year the Risk Management Agency has filed for Napa 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 3.16 at the low end to 8.59 at the high end, with 4.45 in the middle. The worst year filed is 2020, at 21.38. 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 | $1,453,941 | $7,340,622 | $34,053,249 | 199 | 198 | 5.05 |
| 2016 | $368,892 | $1,466,042 | $7,066,544 | 113 | 113 | 3.97 |
| 2017 | $798,495 | $6,860,904 | $18,406,684 | 165 | 165 | 8.59 |
| 2018 | $226,824 | $717,602 | $1,985,069 | 46 | 46 | 3.16 |
| 2019 | $349,565 | $2,781,766 | $7,615,415 | 82 | 82 | 7.96 |
| 2020 | $5,227,044 | $111,769,013 | $156,083,883 | 713 | 712 | 21.38 |
| 2021 | $4,801,736 | $34,240,990 | $114,375,307 | 415 | 413 | 7.13 |
| 2022 | $6,203,493 | $27,584,405 | $109,996,376 | 442 | 442 | 4.45 |
| 2023 | $2,760,741 | $11,937,975 | $40,053,382 | 238 | 238 | 4.32 |
| 2024 | $3,307,898 | $12,755,326 | $50,444,329 | 273 | 273 | 3.86 |
Commodities insured in Napa County
4 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
- 4.12Low end of the filed band
- 5.21Middle of the filed band
- 9.34High end of the filed band
- 2020Worst year filed (22.28)
- 10Years filed
- $23,315,410Premium filed
- $213,669,080Indemnity paid
- $533,418,478Liability insured
- 38,308Quantity planted
- 38,286Quantity lost
- 2,407Policies
- 2,403Policies with a loss
- 9.16Loss ratio, whole span
Causes that carried the indemnity in Napa County
- Fire $103,623,703 indemnity · 8 years
- Heat $50,258,984 indemnity · 10 years
- Frost $14,091,731 indemnity · 8 years
- Cold Wet Weather $14,071,648 indemnity · 10 years
- Drought $10,458,130 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $8,661,412 indemnity · 10 years
Pasture,Rangeland,Forage 6 years filed
- 0.88Low end of the filed band
- 1.76Middle of the filed band
- 2.64High end of the filed band
- 2019Worst year filed (2.64)
- 6Years filed
- $1,024,831Premium filed
- $1,733,487Indemnity paid
- $2,990,670Liability insured
- 106,091Quantity planted
- 0Quantity lost
- 134Policies
- 134Policies with a loss
- 1.69Loss ratio, whole span
Causes that carried the indemnity in Napa County
- ARPI/SCO/STAX/MP Crops Only $1,733,487 indemnity · 6 years
Apiculture 7 years filed
- 0.94Low end of the filed band
- 1.92Middle of the filed band
- 3.20High end of the filed band
- 2019Worst year filed (3.20)
- 7Years filed
- $789,610Premium filed
- $1,355,051Indemnity paid
- $2,295,583Liability insured
- 20,130Quantity planted
- 0Quantity lost
- 109Policies
- 109Policies with a loss
- 1.72Loss ratio, whole span
Causes that carried the indemnity in Napa County
- ARPI/SCO/STAX/MP Crops Only $1,355,051 indemnity · 7 years
All Other Crops 5 years filed
- 0.61Low end of the filed band
- 1.73Middle of the filed band
- 6.36High end of the filed band
- 2024Worst year filed (6.36)
- 5Years filed
- $368,777Premium filed
- $697,027Indemnity paid
- $1,375,506Liability insured
- 41,723Quantity planted
- 0Quantity lost
- 36Policies
- 36Policies with a loss
- 1.89Loss ratio, whole span
Causes that carried the indemnity in Napa County
- ARPI/SCO/STAX Crops Only $435,506 indemnity · 4 years
- Heat $261,521 indemnity · 1 years
Every county-crop the agency files in California → Buy the Napa 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.