Crop-loss band · California
San Joaquin County, California — crop-loss band
- 2.27Low end of the filed band
- 3.11Middle of the filed band
- 3.56High end of the filed band
- 2022Worst year filed (3.60)
- 10Years filed
Every year the Risk Management Agency has filed for San Joaquin 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 2.27 at the low end to 3.56 at the high end, with 3.11 in the middle. The worst year filed is 2022, at 3.60. 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 | $7,541,273 | $21,190,454 | $73,087,660 | 670 | 670 | 2.81 |
| 2016 | $13,112,645 | $40,717,552 | $133,343,783 | 1,042 | 1,042 | 3.11 |
| 2017 | $6,527,741 | $22,648,842 | $84,664,858 | 521 | 520 | 3.47 |
| 2018 | $15,186,072 | $39,673,329 | $148,991,846 | 888 | 888 | 2.61 |
| 2019 | $17,922,501 | $63,788,079 | $157,082,841 | 882 | 882 | 3.56 |
| 2020 | $13,743,644 | $36,056,134 | $129,701,055 | 989 | 989 | 2.62 |
| 2021 | $9,087,562 | $20,649,725 | $69,085,885 | 878 | 875 | 2.27 |
| 2022 | $15,855,814 | $57,147,853 | $154,312,172 | 1,163 | 1,163 | 3.60 |
| 2023 | $15,792,919 | $54,992,817 | $153,556,978 | 1,421 | 1,420 | 3.48 |
| 2024 | $18,197,529 | $57,904,089 | $174,348,268 | 1,515 | 1,515 | 3.18 |
Commodities insured in San Joaquin County
14 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.
Cherries 10 years filed
- 1.46Low end of the filed band
- 2.13Middle of the filed band
- 3.06High end of the filed band
- 2019Worst year filed (3.40)
- 10Years filed
- $68,951,319Premium filed
- $169,643,742Indemnity paid
- $360,155,857Liability insured
- 67,089Quantity planted
- 67,274Quantity lost
- 4,531Policies
- 4,529Policies with a loss
- 2.46Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Excess Moisture/Precipitation/Rain $98,842,078 indemnity · 10 years
- Cold Wet Weather $16,280,171 indemnity · 10 years
- Frost $15,373,302 indemnity · 5 years
- Freeze $13,387,202 indemnity · 6 years
- Decline in Price $11,238,830 indemnity · 6 years
- Heat $9,382,221 indemnity · 8 years
Whole Farm Revenue Protection 10 years filed
- 0.61Low end of the filed band
- 3.30Middle of the filed band
- 5.50High end of the filed band
- 2015Worst year filed (9.92)
- 10Years filed
- $20,506,441Premium filed
- $64,776,016Indemnity paid
- $359,153,408Liability insured
- 0Quantity planted
- 0Quantity lost
- 380Policies
- 380Policies with a loss
- 3.16Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Excess Moisture/Precipitation/Rain $23,993,824 indemnity · 9 years
- Decline in Price $18,892,860 indemnity · 10 years
- Heat $7,029,475 indemnity · 9 years
- Frost $5,070,398 indemnity · 4 years
- Cold Wet Weather $4,806,416 indemnity · 7 years
- Hail $1,037,029 indemnity · 3 years
Grapes 10 years filed
- 3.01Low end of the filed band
- 6.12Middle of the filed band
- 13.73High end of the filed band
- 2023Worst year filed (18.65)
- 10Years filed
- $6,795,177Premium filed
- $55,370,189Indemnity paid
- $163,656,344Liability insured
- 48,879Quantity planted
- 49,743Quantity lost
- 1,789Policies
- 1,788Policies with a loss
- 8.15Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Heat $24,297,020 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $13,855,766 indemnity · 10 years
- Freeze $5,306,052 indemnity · 4 years
- Frost $4,180,909 indemnity · 7 years
- Hail $3,274,983 indemnity · 6 years
- Cold Wet Weather $2,026,461 indemnity · 9 years
Almonds 10 years filed
- 3.01Low end of the filed band
- 5.55Middle of the filed band
- 7.38High end of the filed band
- 2023Worst year filed (7.75)
- 10Years filed
- $5,755,388Premium filed
- $33,341,596Indemnity paid
- $144,927,067Liability insured
- 48,297Quantity planted
- 49,126Quantity lost
- 932Policies
- 931Policies with a loss
- 5.79Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Excess Moisture/Precipitation/Rain $11,286,845 indemnity · 10 years
- Cold Wet Weather $8,701,208 indemnity · 10 years
- Heat $5,177,302 indemnity · 8 years
- Freeze $4,427,094 indemnity · 6 years
- Frost $1,306,844 indemnity · 6 years
- ARPI/SCO/STAX/MP Crops Only $921,461 indemnity · 4 years
Apples 10 years filed
- 0.88Low end of the filed band
- 1.76Middle of the filed band
- 2.32High end of the filed band
- 2022Worst year filed (2.80)
- 10Years filed
- $16,405,991Premium filed
- $30,248,792Indemnity paid
- $81,757,577Liability insured
- 7,906Quantity planted
- 7,906Quantity lost
- 208Policies
- 208Policies with a loss
- 1.84Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Heat $12,316,962 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $8,065,756 indemnity · 9 years
- Cold Wet Weather $4,952,565 indemnity · 3 years
- Hail $2,616,832 indemnity · 5 years
- Freeze $1,243,708 indemnity · 1 years
- Frost $938,389 indemnity · 1 years
Walnuts 10 years filed
- 2.14Low end of the filed band
- 5.01Middle of the filed band
- 14.73High end of the filed band
- 2023Worst year filed (18.32)
- 10Years filed
- $1,360,545Premium filed
- $13,590,936Indemnity paid
- $47,988,978Liability insured
- 21,852Quantity planted
- 22,578Quantity lost
- 429Policies
- 429Policies with a loss
- 9.99Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Heat $7,061,876 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $3,318,580 indemnity · 10 years
- Frost $1,595,681 indemnity · 5 years
- Cold Wet Weather $1,018,993 indemnity · 7 years
- ARPI/SCO/STAX/MP Crops Only $237,297 indemnity · 2 years
- Freeze $230,120 indemnity · 4 years
All Other Crops 9 years filed
- 0.85Low end of the filed band
- 4.11Middle of the filed band
- 10.89High end of the filed band
- 2022Worst year filed (10.89)
- 9Years filed
- $1,841,546Premium filed
- $12,944,942Indemnity paid
- $32,607,115Liability insured
- 4,791Quantity planted
- 4,791Quantity lost
- 21Policies
- 21Policies with a loss
- 7.03Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Freeze $5,883,807 indemnity · 1 years
- Heat $4,256,046 indemnity · 5 years
- Hail $2,542,996 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $152,721 indemnity · 5 years
- Cold Wet Weather $91,984 indemnity · 2 years
- Frost $17,389 indemnity · 2 years
Apiculture 10 years filed
- 0.94Low end of the filed band
- 1.82Middle of the filed band
- 2.24High end of the filed band
- 2015Worst year filed (2.29)
- 10Years filed
- $4,934,301Premium filed
- $8,974,315Indemnity paid
- $13,047,633Liability insured
- 113,032Quantity planted
- 0Quantity lost
- 967Policies
- 967Policies with a loss
- 1.82Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- ARPI/SCO/STAX Crops Only $8,974,315 indemnity · 10 years
Dry Beans 10 years filed
- 1.51Low end of the filed band
- 3.52Middle of the filed band
- 5.29High end of the filed band
- 2016Worst year filed (5.87)
- 10Years filed
- $1,771,915Premium filed
- $7,855,203Indemnity paid
- $10,590,017Liability insured
- 12,917Quantity planted
- 12,831Quantity lost
- 108Policies
- 108Policies with a loss
- 4.43Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Excess Moisture/Precipitation/Rain $4,231,340 indemnity · 8 years
- Failure of Irrigation Supply $2,418,766 indemnity · 4 years
- Heat $1,013,070 indemnity · 9 years
- Flood $151,208 indemnity · 1 years
- Wind/Excess Wind $30,341 indemnity · 1 years
- Insects $10,478 indemnity · 1 years
Tomatoes 10 years filed
- 2.75Low end of the filed band
- 4.02Middle of the filed band
- 5.93High end of the filed band
- 2021Worst year filed (8.96)
- 10Years filed
- $1,676,850Premium filed
- $7,315,888Indemnity paid
- $37,351,075Liability insured
- 13,659Quantity planted
- 13,251Quantity lost
- 164Policies
- 163Policies with a loss
- 4.36Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Heat $5,191,699 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $1,313,845 indemnity · 7 years
- Plant Disease $764,834 indemnity · 4 years
- Insects $31,834 indemnity · 2 years
- Wind/Excess Wind $13,676 indemnity · 1 years
Olives 9 years filed
- 1.77Low end of the filed band
- 4.46Middle of the filed band
- 9.29High end of the filed band
- 2018Worst year filed (9.29)
- 9Years filed
- $1,436,117Premium filed
- $6,434,672Indemnity paid
- $15,833,362Liability insured
- 7,458Quantity planted
- 7,531Quantity lost
- 74Policies
- 74Policies with a loss
- 4.48Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Freeze $2,107,954 indemnity · 3 years
- Cold Wet Weather $1,648,441 indemnity · 4 years
- Heat $1,624,982 indemnity · 7 years
- Frost $521,709 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $230,122 indemnity · 5 years
- Hot Wind $195,663 indemnity · 1 years
Wheat 10 years filed
- 1.07Low end of the filed band
- 2.75Middle of the filed band
- 4.39High end of the filed band
- 2021Worst year filed (8.55)
- 10Years filed
- $489,622Premium filed
- $1,568,824Indemnity paid
- $2,568,542Liability insured
- 6,887Quantity planted
- 6,897Quantity lost
- 42Policies
- 42Policies with a loss
- 3.20Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Excess Moisture/Precipitation/Rain $1,039,285 indemnity · 7 years
- Wildlife $198,988 indemnity · 3 years
- Cold Wet Weather $192,964 indemnity · 1 years
- Flood $53,056 indemnity · 1 years
- Heat $48,485 indemnity · 1 years
- Drought $26,576 indemnity · 2 years
Pasture,Rangeland,Forage 10 years filed
- 0.82Low end of the filed band
- 1.90Middle of the filed band
- 2.30High end of the filed band
- 2015Worst year filed (2.50)
- 10Years filed
- $772,676Premium filed
- $1,460,828Indemnity paid
- $2,297,513Liability insured
- 106,190Quantity planted
- 0Quantity lost
- 273Policies
- 273Policies with a loss
- 1.89Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- ARPI/SCO/STAX Crops Only $1,460,828 indemnity · 10 years
Processing Cling Peaches 9 years filed
- 1.30Low end of the filed band
- 4.63Middle of the filed band
- 22.42High end of the filed band
- 2015Worst year filed (22.42)
- 9Years filed
- $269,812Premium filed
- $1,242,931Indemnity paid
- $6,240,858Liability insured
- 1,172Quantity planted
- 1,169Quantity lost
- 51Policies
- 51Policies with a loss
- 4.61Loss ratio, whole span
Causes that carried the indemnity in San Joaquin County
- Excess Moisture/Precipitation/Rain $364,397 indemnity · 6 years
- Heat $350,574 indemnity · 7 years
- Freeze $276,496 indemnity · 4 years
- Failure of Irrigation Supply $81,308 indemnity · 1 years
- Hail $52,328 indemnity · 1 years
- Wind/Excess Wind $42,228 indemnity · 1 years
Every county-crop the agency files in California → Buy the San Joaquin 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.