Crop-loss band · California
San Luis Obispo County, California — crop-loss band
- 2.51Low end of the filed band
- 3.03Middle of the filed band
- 4.61High end of the filed band
- 2015Worst year filed (6.43)
- 10Years filed
Every year the Risk Management Agency has filed for San Luis Obispo 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 2.51 at the low end to 4.61 at the high end, with 3.03 in the middle. The worst year filed is 2015, at 6.43. 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 | $2,262,656 | $14,541,226 | $37,738,050 | 388 | 387 | 6.43 |
| 2016 | $638,737 | $2,172,385 | $7,269,658 | 152 | 152 | 3.40 |
| 2017 | $1,886,382 | $6,809,017 | $12,418,937 | 211 | 211 | 3.61 |
| 2018 | $1,801,584 | $4,579,673 | $11,691,361 | 201 | 201 | 2.54 |
| 2019 | $1,476,309 | $6,805,618 | $12,899,620 | 221 | 221 | 4.61 |
| 2020 | $3,210,688 | $14,813,303 | $30,480,720 | 406 | 406 | 4.61 |
| 2021 | $2,194,925 | $5,510,277 | $12,761,825 | 309 | 307 | 2.51 |
| 2022 | $5,873,826 | $16,129,962 | $39,484,387 | 536 | 536 | 2.75 |
| 2023 | $4,699,968 | $13,087,505 | $23,844,406 | 402 | 402 | 2.78 |
| 2024 | $7,366,595 | $22,297,636 | $68,060,709 | 576 | 576 | 3.03 |
Commodities insured in San Luis Obispo County
6 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
- 3.77Low end of the filed band
- 5.11Middle of the filed band
- 11.51High end of the filed band
- 2015Worst year filed (12.74)
- 10Years filed
- $9,378,538Premium filed
- $54,708,760Indemnity paid
- $172,446,983Liability insured
- 39,320Quantity planted
- 39,448Quantity lost
- 1,388Policies
- 1,386Policies with a loss
- 5.83Loss ratio, whole span
Causes that carried the indemnity in San Luis Obispo County
- Heat $19,311,927 indemnity · 10 years
- Freeze $9,110,010 indemnity · 10 years
- Cold Wet Weather $7,152,182 indemnity · 8 years
- Fire $6,578,715 indemnity · 2 years
- Frost $5,369,301 indemnity · 10 years
- Wind/Excess Wind $3,003,748 indemnity · 7 years
Pasture,Rangeland,Forage 10 years filed
- 0.78Low end of the filed band
- 2.02Middle of the filed band
- 2.13High end of the filed band
- 2020Worst year filed (2.46)
- 10Years filed
- $13,898,441Premium filed
- $28,052,574Indemnity paid
- $40,433,191Liability insured
- 1,748,354Quantity planted
- 0Quantity lost
- 1,082Policies
- 1,082Policies with a loss
- 2.02Loss ratio, whole span
Causes that carried the indemnity in San Luis Obispo County
- ARPI/SCO/STAX Crops Only $28,052,574 indemnity · 10 years
Avocados 10 years filed
- 1.70Low end of the filed band
- 3.19Middle of the filed band
- 5.61High end of the filed band
- 2020Worst year filed (10.06)
- 10Years filed
- $3,205,388Premium filed
- $11,648,272Indemnity paid
- $26,609,918Liability insured
- 8,180Quantity planted
- 8,160Quantity lost
- 298Policies
- 297Policies with a loss
- 3.63Loss ratio, whole span
Causes that carried the indemnity in San Luis Obispo County
- Frost $3,119,258 indemnity · 7 years
- Heat $2,972,556 indemnity · 9 years
- Wind/Excess Wind $2,071,416 indemnity · 10 years
- Freeze $1,479,168 indemnity · 9 years
- Cold Wet Weather $1,238,981 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $445,529 indemnity · 4 years
Apiculture 10 years filed
- 1.10Low end of the filed band
- 1.89Middle of the filed band
- 2.34High end of the filed band
- 2022Worst year filed (2.43)
- 10Years filed
- $3,134,894Premium filed
- $6,334,695Indemnity paid
- $9,081,527Liability insured
- 81,432Quantity planted
- 0Quantity lost
- 504Policies
- 504Policies with a loss
- 2.02Loss ratio, whole span
Causes that carried the indemnity in San Luis Obispo County
- ARPI/SCO/STAX Crops Only $6,334,695 indemnity · 10 years
Barley 10 years filed
- 1.47Low end of the filed band
- 1.97Middle of the filed band
- 2.52High end of the filed band
- 2022Worst year filed (2.56)
- 10Years filed
- $1,521,569Premium filed
- $3,108,158Indemnity paid
- $3,820,813Liability insured
- 42,200Quantity planted
- 42,601Quantity lost
- 95Policies
- 95Policies with a loss
- 2.04Loss ratio, whole span
Causes that carried the indemnity in San Luis Obispo County
- Drought $1,559,193 indemnity · 4 years
- Excess Moisture/Precipitation/Rain $1,007,865 indemnity · 7 years
- Frost $478,711 indemnity · 4 years
- Wildlife $35,913 indemnity · 2 years
- Cold Wet Weather $11,347 indemnity · 1 years
- Freeze $10,357 indemnity · 1 years
All Other Crops 9 years filed
- 4.13Low end of the filed band
- 10.55Middle of the filed band
- 18.28High end of the filed band
- 2022Worst year filed (18.28)
- 9Years filed
- $272,840Premium filed
- $2,894,143Indemnity paid
- $4,257,242Liability insured
- 1,502Quantity planted
- 1,502Quantity lost
- 35Policies
- 35Policies with a loss
- 10.61Loss ratio, whole span
Causes that carried the indemnity in San Luis Obispo County
- Heat $1,132,962 indemnity · 7 years
- Decline in Price $868,618 indemnity · 2 years
- Excess Moisture/Precipitation/Rain $410,175 indemnity · 6 years
- Freeze $381,542 indemnity · 4 years
- Cold Wet Weather $66,412 indemnity · 1 years
- Plant Disease $16,211 indemnity · 1 years
Every county-crop the agency files in California → Buy the San Luis Obispo 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.