Crop-loss band · California
San Benito County, California — crop-loss band
- 1.76Low end of the filed band
- 2.50Middle of the filed band
- 3.14High end of the filed band
- 2015Worst year filed (3.40)
- 10Years filed
Every year the Risk Management Agency has filed for San Benito 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 1.76 at the low end to 3.14 at the high end, with 2.50 in the middle. The worst year filed is 2015, at 3.40. 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 | $1,259,166 | $4,277,844 | $7,378,072 | 99 | 99 | 3.40 |
| 2016 | $592,296 | $1,812,655 | $3,970,944 | 47 | 47 | 3.06 |
| 2017 | $1,513,469 | $4,751,177 | $12,391,347 | 89 | 89 | 3.14 |
| 2018 | $2,345,403 | $4,247,152 | $16,809,081 | 76 | 76 | 1.81 |
| 2019 | $952,091 | $2,168,608 | $3,685,767 | 77 | 77 | 2.28 |
| 2020 | $1,028,107 | $3,216,468 | $4,485,623 | 149 | 149 | 3.13 |
| 2021 | $1,028,077 | $2,620,577 | $4,139,669 | 74 | 74 | 2.55 |
| 2022 | $1,999,774 | $4,211,353 | $7,165,826 | 159 | 159 | 2.11 |
| 2023 | $2,062,586 | $3,628,664 | $5,801,347 | 136 | 136 | 1.76 |
| 2024 | $2,107,565 | $5,278,152 | $10,079,165 | 118 | 118 | 2.50 |
Commodities insured in San Benito County
5 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.
Pasture,Rangeland,Forage 10 years filed
- 0.75Low end of the filed band
- 1.72Middle of the filed band
- 2.49High end of the filed band
- 2021Worst year filed (2.74)
- 10Years filed
- $8,439,589Premium filed
- $16,498,950Indemnity paid
- $25,839,334Liability insured
- 1,105,514Quantity planted
- 0Quantity lost
- 635Policies
- 635Policies with a loss
- 1.95Loss ratio, whole span
Causes that carried the indemnity in San Benito County
- ARPI/SCO/STAX Crops Only $16,498,950 indemnity · 10 years
Cherries 7 years filed
- 1.85Low end of the filed band
- 2.74Middle of the filed band
- 5.79High end of the filed band
- 2015Worst year filed (5.79)
- 7Years filed
- $2,583,312Premium filed
- $7,372,940Indemnity paid
- $10,865,334Liability insured
- 2,180Quantity planted
- 2,180Quantity lost
- 83Policies
- 83Policies with a loss
- 2.85Loss ratio, whole span
Causes that carried the indemnity in San Benito County
- Excess Moisture/Precipitation/Rain $4,889,121 indemnity · 6 years
- Frost $648,624 indemnity · 1 years
- Cold Wet Weather $620,662 indemnity · 2 years
- Heat $525,159 indemnity · 2 years
- Freeze $320,655 indemnity · 1 years
- Decline in Price $258,239 indemnity · 1 years
All Other Crops 7 years filed
- 0.04Low end of the filed band
- 4.55Middle of the filed band
- 34.93High end of the filed band
- 2023Worst year filed (34.93)
- 7Years filed
- $2,429,859Premium filed
- $6,575,390Indemnity paid
- $26,042,239Liability insured
- 238Quantity planted
- 245Quantity lost
- 24Policies
- 24Policies with a loss
- 2.71Loss ratio, whole span
Causes that carried the indemnity in San Benito County
- Heat $1,743,121 indemnity · 6 years
- Cold Wet Weather $1,489,023 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $1,372,513 indemnity · 3 years
- Decline in Price $1,138,269 indemnity · 2 years
- Frost $829,600 indemnity · 1 years
- Failure of Irrigation Supply $2,799 indemnity · 1 years
Grapes 10 years filed
- 1.70Low end of the filed band
- 6.78Middle of the filed band
- 10.29High end of the filed band
- 2020Worst year filed (16.16)
- 10Years filed
- $582,589Premium filed
- $4,097,950Indemnity paid
- $10,637,560Liability insured
- 2,042Quantity planted
- 2,038Quantity lost
- 55Policies
- 55Policies with a loss
- 7.03Loss ratio, whole span
Causes that carried the indemnity in San Benito County
- Heat $1,896,292 indemnity · 9 years
- Fire $708,912 indemnity · 1 years
- Frost $622,302 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $507,777 indemnity · 5 years
- Freeze $218,161 indemnity · 3 years
- Hail $97,248 indemnity · 1 years
Apiculture 10 years filed
- 1.16Low end of the filed band
- 1.79Middle of the filed band
- 2.12High end of the filed band
- 2020Worst year filed (2.53)
- 10Years filed
- $853,185Premium filed
- $1,667,420Indemnity paid
- $2,522,374Liability insured
- 22,692Quantity planted
- 0Quantity lost
- 227Policies
- 227Policies with a loss
- 1.95Loss ratio, whole span
Causes that carried the indemnity in San Benito County
- ARPI/SCO/STAX Crops Only $1,667,420 indemnity · 10 years
Every county-crop the agency files in California → Buy the San Benito 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.