Crop-loss band · California
San Diego County, California — crop-loss band
- 2.06Low end of the filed band
- 3.95Middle of the filed band
- 5.24High end of the filed band
- 2021Worst year filed (5.28)
- 10Years filed
Every year the Risk Management Agency has filed for San Diego 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 2.06 at the low end to 5.24 at the high end, with 3.95 in the middle. The worst year filed is 2021, at 5.28. 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 | $532,790 | $1,608,502 | $5,189,799 | 94 | 92 | 3.02 |
| 2016 | $276,494 | $895,277 | $2,220,388 | 63 | 59 | 3.24 |
| 2017 | $907,143 | $4,467,695 | $7,248,968 | 133 | 133 | 4.93 |
| 2018 | $983,437 | $2,021,020 | $6,289,661 | 101 | 100 | 2.06 |
| 2019 | $865,756 | $3,331,497 | $8,295,382 | 128 | 126 | 3.85 |
| 2020 | $815,528 | $4,275,916 | $7,561,591 | 77 | 77 | 5.24 |
| 2021 | $1,861,373 | $9,832,950 | $18,091,664 | 208 | 208 | 5.28 |
| 2022 | $1,422,711 | $5,988,934 | $10,911,120 | 132 | 132 | 4.21 |
| 2023 | $1,159,852 | $5,917,124 | $9,671,483 | 109 | 109 | 5.10 |
| 2024 | $1,197,983 | $4,733,620 | $9,370,772 | 129 | 129 | 3.95 |
Commodities insured in San Diego 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.
Avocados 10 years filed
- 2.99Low end of the filed band
- 4.39Middle of the filed band
- 7.19High end of the filed band
- 2019Worst year filed (7.58)
- 10Years filed
- $4,614,662Premium filed
- $22,037,375Indemnity paid
- $52,758,044Liability insured
- 16,862Quantity planted
- 16,862Quantity lost
- 810Policies
- 802Policies with a loss
- 4.78Loss ratio, whole span
Causes that carried the indemnity in San Diego County
- Heat $13,516,612 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $4,214,078 indemnity · 6 years
- Wind/Excess Wind $2,242,118 indemnity · 10 years
- Freeze $950,432 indemnity · 8 years
- Cold Wet Weather $521,163 indemnity · 4 years
- Frost $321,241 indemnity · 8 years
All Other Crops 9 years filed
- 0.99Low end of the filed band
- 3.80Middle of the filed band
- 11.29High end of the filed band
- 2021Worst year filed (11.29)
- 9Years filed
- $3,039,531Premium filed
- $15,061,135Indemnity paid
- $20,863,856Liability insured
- 79,383Quantity planted
- 263Quantity lost
- 115Policies
- 115Policies with a loss
- 4.96Loss ratio, whole span
Causes that carried the indemnity in San Diego County
- Wind/Excess Wind $4,741,339 indemnity · 3 years
- Hail $3,803,496 indemnity · 2 years
- ARPI/SCO/STAX Crops Only $2,858,454 indemnity · 6 years
- Freeze $2,639,070 indemnity · 2 years
- Plant Disease $421,175 indemnity · 1 years
- Heat $372,999 indemnity · 2 years
Apiculture 5 years filed
- 1.04Low end of the filed band
- 1.98Middle of the filed band
- 2.69High end of the filed band
- 2024Worst year filed (2.69)
- 5Years filed
- $1,766,287Premium filed
- $3,310,007Indemnity paid
- $5,839,800Liability insured
- 50,149Quantity planted
- 0Quantity lost
- 165Policies
- 165Policies with a loss
- 1.87Loss ratio, whole span
Causes that carried the indemnity in San Diego County
- ARPI/SCO/STAX/MP/HIP WI Crops Only $3,310,007 indemnity · 5 years
Oranges 10 years filed
- 1.50Low end of the filed band
- 3.50Middle of the filed band
- 5.37High end of the filed band
- 2015Worst year filed (5.87)
- 10Years filed
- $602,587Premium filed
- $2,664,018Indemnity paid
- $5,389,128Liability insured
- 2,397Quantity planted
- 2,396Quantity lost
- 84Policies
- 83Policies with a loss
- 4.42Loss ratio, whole span
Causes that carried the indemnity in San Diego County
- Heat $1,900,591 indemnity · 8 years
- Wind/Excess Wind $261,996 indemnity · 6 years
- Freeze $257,868 indemnity · 5 years
- Failure of Irrigation Supply $146,716 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $80,361 indemnity · 6 years
- Hail $16,487 indemnity · 1 years
Every county-crop the agency files in California → Buy the San Diego 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.