Crop-loss band · California
Stanislaus County, California — crop-loss band
- 2.41Low end of the filed band
- 3.03Middle of the filed band
- 3.83High end of the filed band
- 2023Worst year filed (5.39)
- 10Years filed
Every year the Risk Management Agency has filed for Stanislaus 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 2.41 at the low end to 3.83 at the high end, with 3.03 in the middle. The worst year filed is 2023, at 5.39. 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 | $3,345,934 | $10,547,018 | $46,860,037 | 341 | 341 | 3.15 |
| 2016 | $3,186,918 | $7,666,016 | $34,886,117 | 192 | 192 | 2.41 |
| 2017 | $2,723,567 | $8,354,410 | $42,668,284 | 247 | 247 | 3.07 |
| 2018 | $2,404,427 | $7,290,530 | $25,361,603 | 254 | 254 | 3.03 |
| 2019 | $3,193,725 | $8,635,321 | $46,745,648 | 371 | 371 | 2.70 |
| 2020 | $3,564,347 | $9,052,635 | $18,380,383 | 397 | 397 | 2.54 |
| 2021 | $2,021,049 | $5,821,880 | $19,563,111 | 295 | 295 | 2.88 |
| 2022 | $6,085,818 | $21,837,990 | $76,781,459 | 583 | 583 | 3.59 |
| 2023 | $8,984,207 | $48,443,222 | $153,711,471 | 889 | 889 | 5.39 |
| 2024 | $6,901,495 | $26,429,540 | $73,236,524 | 621 | 621 | 3.83 |
Commodities insured in Stanislaus County
10 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.
Almonds 10 years filed
- 2.33Low end of the filed band
- 4.40Middle of the filed band
- 6.18High end of the filed band
- 2023Worst year filed (8.21)
- 10Years filed
- $14,772,653Premium filed
- $84,310,535Indemnity paid
- $384,392,296Liability insured
- 115,755Quantity planted
- 116,467Quantity lost
- 1,856Policies
- 1,856Policies with a loss
- 5.71Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- Excess Moisture/Precipitation/Rain $31,498,150 indemnity · 10 years
- Cold Wet Weather $21,140,610 indemnity · 10 years
- Heat $15,214,549 indemnity · 10 years
- Freeze $7,363,860 indemnity · 5 years
- Frost $4,105,756 indemnity · 7 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $2,209,836 indemnity · 2 years
Apiculture 10 years filed
- 0.26Low end of the filed band
- 1.67Middle of the filed band
- 2.55High end of the filed band
- 2020Worst year filed (2.60)
- 10Years filed
- $9,511,615Premium filed
- $20,319,169Indemnity paid
- $27,917,387Liability insured
- 246,219Quantity planted
- 0Quantity lost
- 1,220Policies
- 1,220Policies with a loss
- 2.14Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- ARPI/SCO/STAX Crops Only $20,319,169 indemnity · 10 years
Cherries 10 years filed
- 1.55Low end of the filed band
- 2.97Middle of the filed band
- 3.39High end of the filed band
- 2015Worst year filed (4.04)
- 10Years filed
- $6,770,178Premium filed
- $19,595,618Indemnity paid
- $40,337,448Liability insured
- 5,653Quantity planted
- 5,659Quantity lost
- 460Policies
- 460Policies with a loss
- 2.89Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- Excess Moisture/Precipitation/Rain $9,696,478 indemnity · 10 years
- Cold Wet Weather $4,350,343 indemnity · 8 years
- Hail $1,474,936 indemnity · 8 years
- Frost $1,446,188 indemnity · 5 years
- Heat $1,361,224 indemnity · 4 years
- Decline in Price $516,257 indemnity · 5 years
Pasture,Rangeland,Forage 10 years filed
- 0.86Low end of the filed band
- 1.87Middle of the filed band
- 2.30High end of the filed band
- 2021Worst year filed (3.07)
- 10Years filed
- $3,400,271Premium filed
- $6,894,227Indemnity paid
- $10,428,234Liability insured
- 516,579Quantity planted
- 0Quantity lost
- 398Policies
- 398Policies with a loss
- 2.03Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- ARPI/SCO/STAX Crops Only $6,894,227 indemnity · 10 years
Processing Apricots 10 years filed
- 0.05Low end of the filed band
- 2.86Middle of the filed band
- 4.06High end of the filed band
- 2017Worst year filed (4.42)
- 10Years filed
- $1,880,143Premium filed
- $6,056,068Indemnity paid
- $11,921,728Liability insured
- 4,118Quantity planted
- 4,192Quantity lost
- 88Policies
- 88Policies with a loss
- 3.22Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- Excess Moisture/Precipitation/Rain $2,332,104 indemnity · 8 years
- Heat $1,635,187 indemnity · 8 years
- Cold Wet Weather $869,588 indemnity · 8 years
- Freeze $709,843 indemnity · 2 years
- Hail $158,157 indemnity · 4 years
- Frost $147,486 indemnity · 2 years
Whole Farm Revenue Protection 6 years filed
- 0.51Low end of the filed band
- 4.35Middle of the filed band
- 12.05High end of the filed band
- 2024Worst year filed (12.05)
- 6Years filed
- $1,450,242Premium filed
- $5,333,005Indemnity paid
- $32,037,164Liability insured
- 0Quantity planted
- 0Quantity lost
- 39Policies
- 39Policies with a loss
- 3.68Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- Cold Wet Weather $1,753,249 indemnity · 3 years
- Excess Moisture/Precipitation/Rain $1,747,534 indemnity · 6 years
- Decline in Price $871,773 indemnity · 4 years
- Heat $644,310 indemnity · 3 years
- Frost $222,366 indemnity · 1 years
- Hail $48,017 indemnity · 1 years
Dry Beans 9 years filed
- 2.17Low end of the filed band
- 4.44Middle of the filed band
- 5.69High end of the filed band
- 2017Worst year filed (5.69)
- 9Years filed
- $1,047,831Premium filed
- $4,071,620Indemnity paid
- $5,752,559Liability insured
- 6,528Quantity planted
- 6,572Quantity lost
- 42Policies
- 42Policies with a loss
- 3.89Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- Failure of Irrigation Supply $2,831,204 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $671,011 indemnity · 5 years
- Heat $515,892 indemnity · 6 years
- Wind/Excess Wind $53,513 indemnity · 1 years
All Other Crops 7 years filed
- 0.46Low end of the filed band
- 0.67Middle of the filed band
- 3.05High end of the filed band
- 2023Worst year filed (3.05)
- 7Years filed
- $2,379,339Premium filed
- $3,279,694Indemnity paid
- $14,578,424Liability insured
- 1,429Quantity planted
- 1,429Quantity lost
- 23Policies
- 23Policies with a loss
- 1.38Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- Excess Moisture/Precipitation/Rain $1,204,169 indemnity · 3 years
- Heat $1,067,477 indemnity · 5 years
- Decline in Price $689,399 indemnity · 1 years
- Cold Wet Weather $191,218 indemnity · 2 years
- Freeze $104,011 indemnity · 1 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $23,420 indemnity · 1 years
Fresh Apricots 10 years filed
- 1.36Low end of the filed band
- 4.26Middle of the filed band
- 5.47High end of the filed band
- 2021Worst year filed (7.24)
- 10Years filed
- $800,571Premium filed
- $2,614,683Indemnity paid
- $6,447,475Liability insured
- 1,318Quantity planted
- 1,318Quantity lost
- 38Policies
- 38Policies with a loss
- 3.27Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- Excess Moisture/Precipitation/Rain $992,442 indemnity · 7 years
- Cold Wet Weather $688,092 indemnity · 5 years
- Other (Snow, Lightning, Etc.) $473,215 indemnity · 2 years
- Heat $387,186 indemnity · 4 years
- Hail $61,971 indemnity · 3 years
- Freeze $10,929 indemnity · 2 years
Olives 7 years filed
- 2.35Low end of the filed band
- 4.62Middle of the filed band
- 6.01High end of the filed band
- 2018Worst year filed (6.01)
- 7Years filed
- $398,644Premium filed
- $1,603,943Indemnity paid
- $4,381,921Liability insured
- 1,693Quantity planted
- 1,693Quantity lost
- 26Policies
- 26Policies with a loss
- 4.02Loss ratio, whole span
Causes that carried the indemnity in Stanislaus County
- Heat $972,087 indemnity · 6 years
- Freeze $344,601 indemnity · 2 years
- Frost $209,072 indemnity · 1 years
- Cold Wet Weather $78,184 indemnity · 1 years
Every county-crop the agency files in California → Buy the Stanislaus 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.