Crop-loss band · California
Santa Clara County, California — crop-loss band
- 1.40Low end of the filed band
- 1.78Middle of the filed band
- 3.85High end of the filed band
- 2016Worst year filed (4.66)
- 10Years filed
Every year the Risk Management Agency has filed for Santa Clara 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 1.40 at the low end to 3.85 at the high end, with 1.78 in the middle. The worst year filed is 2016, at 4.66. 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 | $872,993 | $3,362,607 | $6,361,545 | 68 | 68 | 3.85 |
| 2016 | $748,778 | $3,490,964 | $4,623,841 | 57 | 57 | 4.66 |
| 2017 | $229,379 | $475,960 | $1,863,600 | 8 | 8 | 2.08 |
| 2018 | $1,192,425 | $3,608,785 | $5,581,286 | 39 | 39 | 3.03 |
| 2019 | $1,426,464 | $3,979,497 | $6,157,554 | 46 | 46 | 2.79 |
| 2020 | $599,967 | $931,220 | $2,016,591 | 41 | 41 | 1.55 |
| 2021 | $853,538 | $1,194,425 | $2,577,322 | 40 | 40 | 1.40 |
| 2022 | $1,519,680 | $2,293,960 | $4,597,534 | 84 | 84 | 1.51 |
| 2023 | $1,993,597 | $3,540,321 | $5,556,033 | 82 | 82 | 1.78 |
| 2024 | $1,164,571 | $2,001,827 | $3,095,299 | 57 | 57 | 1.72 |
Commodities insured in Santa Clara County
3 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
- 0.55Low end of the filed band
- 1.63Middle of the filed band
- 4.37High end of the filed band
- 2016Worst year filed (4.78)
- 10Years filed
- $8,114,342Premium filed
- $19,632,504Indemnity paid
- $32,055,389Liability insured
- 6,737Quantity planted
- 6,850Quantity lost
- 306Policies
- 306Policies with a loss
- 2.42Loss ratio, whole span
Causes that carried the indemnity in Santa Clara County
- Excess Moisture/Precipitation/Rain $10,122,264 indemnity · 9 years
- Freeze $3,150,072 indemnity · 2 years
- Heat $2,389,202 indemnity · 2 years
- Cold Wet Weather $1,531,363 indemnity · 5 years
- Decline in Price $1,398,149 indemnity · 4 years
- Frost $715,019 indemnity · 2 years
Pasture,Rangeland,Forage 9 years filed
- 0.36Low end of the filed band
- 1.80Middle of the filed band
- 2.58High end of the filed band
- 2020Worst year filed (2.58)
- 9Years filed
- $2,148,963Premium filed
- $3,867,193Indemnity paid
- $6,239,586Liability insured
- 242,676Quantity planted
- 0Quantity lost
- 174Policies
- 174Policies with a loss
- 1.80Loss ratio, whole span
Causes that carried the indemnity in Santa Clara County
- ARPI/SCO/STAX Crops Only $3,867,193 indemnity · 9 years
All Other Crops 10 years filed
- 2.01Low end of the filed band
- 3.62Middle of the filed band
- 11.91High end of the filed band
- 2021Worst year filed (15.47)
- 10Years filed
- $338,087Premium filed
- $1,379,869Indemnity paid
- $4,135,630Liability insured
- 9,963Quantity planted
- 498Quantity lost
- 42Policies
- 42Policies with a loss
- 4.08Loss ratio, whole span
Causes that carried the indemnity in Santa Clara County
- Heat $671,870 indemnity · 7 years
- Frost $295,049 indemnity · 4 years
- ARPI/SCO/STAX Crops Only $174,733 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $148,685 indemnity · 4 years
- Decline in Price $77,267 indemnity · 1 years
- Cold Wet Weather $12,266 indemnity · 3 years
Every county-crop the agency files in California → Buy the Santa Clara 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.