Crop-loss band · California
Tulare County, California — crop-loss band
- 3.50Low end of the filed band
- 3.93Middle of the filed band
- 5.49High end of the filed band
- 2024Worst year filed (6.33)
- 10Years filed
Every year the Risk Management Agency has filed for Tulare 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 3.50 at the low end to 5.49 at the high end, with 3.93 in the middle. The worst year filed is 2024, at 6.33. 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 | $6,250,827 | $31,700,639 | $77,130,099 | 1,115 | 1,108 | 5.07 |
| 2016 | $4,597,279 | $18,089,385 | $54,390,146 | 610 | 601 | 3.93 |
| 2017 | $4,829,335 | $18,183,073 | $57,686,204 | 706 | 705 | 3.77 |
| 2018 | $7,559,289 | $29,666,199 | $82,335,150 | 883 | 882 | 3.92 |
| 2019 | $4,795,107 | $22,521,156 | $58,603,187 | 772 | 772 | 4.70 |
| 2020 | $6,880,422 | $25,538,411 | $63,635,708 | 825 | 823 | 3.71 |
| 2021 | $7,419,089 | $25,941,356 | $72,645,492 | 845 | 842 | 3.50 |
| 2022 | $16,079,858 | $88,265,302 | $198,796,780 | 1,609 | 1,609 | 5.49 |
| 2023 | $15,571,198 | $82,680,897 | $193,539,966 | 1,444 | 1,444 | 5.31 |
| 2024 | $14,334,466 | $90,741,472 | $231,867,656 | 1,366 | 1,366 | 6.33 |
Commodities insured in Tulare County
22 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.
Table Grapes 10 years filed
- 4.14Low end of the filed band
- 7.38Middle of the filed band
- 9.04High end of the filed band
- 2018Worst year filed (9.21)
- 10Years filed
- $13,690,986Premium filed
- $99,283,588Indemnity paid
- $179,048,807Liability insured
- 24,686Quantity planted
- 24,725Quantity lost
- 830Policies
- 829Policies with a loss
- 7.25Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Excess Moisture/Precipitation/Rain $41,288,617 indemnity · 10 years
- Heat $30,984,718 indemnity · 10 years
- Freeze $11,610,125 indemnity · 7 years
- Hail $6,097,597 indemnity · 10 years
- Frost $4,715,187 indemnity · 7 years
- Cold Wet Weather $1,349,094 indemnity · 6 years
Mandarins/Tangerines 10 years filed
- 1.69Low end of the filed band
- 3.77Middle of the filed band
- 5.28High end of the filed band
- 2022Worst year filed (6.25)
- 10Years filed
- $12,779,673Premium filed
- $59,829,589Indemnity paid
- $161,155,126Liability insured
- 22,049Quantity planted
- 21,483Quantity lost
- 1,017Policies
- 1,017Policies with a loss
- 4.68Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Heat $36,116,832 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $11,914,395 indemnity · 10 years
- Freeze $4,554,592 indemnity · 10 years
- Cold Wet Weather $2,542,638 indemnity · 2 years
- XX $1,671,833 indemnity · 7 years
- Frost $1,156,199 indemnity · 7 years
Oranges 10 years filed
- 2.83Low end of the filed band
- 4.67Middle of the filed band
- 5.43High end of the filed band
- 2024Worst year filed (5.94)
- 10Years filed
- $10,748,462Premium filed
- $52,840,084Indemnity paid
- $170,239,335Liability insured
- 57,739Quantity planted
- 57,632Quantity lost
- 2,881Policies
- 2,870Policies with a loss
- 4.92Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Heat $29,931,075 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $7,145,326 indemnity · 10 years
- Failure of Irrigation Supply $4,148,391 indemnity · 4 years
- Freeze $3,456,170 indemnity · 10 years
- Cold Wet Weather $2,722,007 indemnity · 7 years
- Hail $1,928,854 indemnity · 10 years
Almonds 10 years filed
- 4.37Low end of the filed band
- 5.95Middle of the filed band
- 6.95High end of the filed band
- 2023Worst year filed (6.97)
- 10Years filed
- $7,211,152Premium filed
- $45,363,714Indemnity paid
- $153,487,822Liability insured
- 43,116Quantity planted
- 43,105Quantity lost
- 473Policies
- 472Policies with a loss
- 6.29Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Excess Moisture/Precipitation/Rain $20,755,541 indemnity · 10 years
- Frost $6,391,068 indemnity · 7 years
- Heat $5,147,740 indemnity · 9 years
- Cold Wet Weather $4,522,450 indemnity · 8 years
- Freeze $3,800,558 indemnity · 5 years
- Hail $1,953,336 indemnity · 8 years
Pistachios 10 years filed
- 0.69Low end of the filed band
- 3.62Middle of the filed band
- 9.16High end of the filed band
- 2024Worst year filed (10.71)
- 10Years filed
- $4,712,648Premium filed
- $40,230,777Indemnity paid
- $90,410,507Liability insured
- 28,346Quantity planted
- 28,770Quantity lost
- 370Policies
- 370Policies with a loss
- 8.54Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Heat $21,615,023 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $13,222,024 indemnity · 8 years
- Cold Wet Weather $1,582,643 indemnity · 4 years
- Hail $1,307,271 indemnity · 3 years
- Frost $720,860 indemnity · 3 years
- Freeze $617,398 indemnity · 5 years
Blueberries 8 years filed
- 2.72Low end of the filed band
- 8.94Middle of the filed band
- 23.82High end of the filed band
- 2022Worst year filed (23.82)
- 8Years filed
- $1,789,240Premium filed
- $21,592,395Indemnity paid
- $44,453,194Liability insured
- 1,912Quantity planted
- 1,961Quantity lost
- 62Policies
- 62Policies with a loss
- 12.07Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Excess Moisture/Precipitation/Rain $8,524,652 indemnity · 6 years
- Hail $8,464,761 indemnity · 5 years
- Heat $2,881,957 indemnity · 6 years
- Freeze $1,037,574 indemnity · 5 years
- Cold Wet Weather $613,462 indemnity · 3 years
- Frost $69,989 indemnity · 2 years
Cherries 10 years filed
- 1.27Low end of the filed band
- 2.05Middle of the filed band
- 3.39High end of the filed band
- 2015Worst year filed (5.20)
- 10Years filed
- $9,107,135Premium filed
- $20,268,210Indemnity paid
- $45,221,943Liability insured
- 7,109Quantity planted
- 7,117Quantity lost
- 439Policies
- 439Policies with a loss
- 2.23Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Excess Moisture/Precipitation/Rain $8,721,833 indemnity · 10 years
- Freeze $3,462,845 indemnity · 5 years
- Heat $3,026,698 indemnity · 9 years
- Cold Wet Weather $1,896,344 indemnity · 7 years
- Frost $1,353,636 indemnity · 4 years
- Cold Winter $656,340 indemnity · 1 years
Olives 10 years filed
- 1.24Low end of the filed band
- 2.80Middle of the filed band
- 4.88High end of the filed band
- 2018Worst year filed (5.75)
- 10Years filed
- $4,675,422Premium filed
- $16,122,339Indemnity paid
- $24,592,767Liability insured
- 19,715Quantity planted
- 19,752Quantity lost
- 673Policies
- 670Policies with a loss
- 3.45Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Heat $6,667,425 indemnity · 9 years
- Freeze $4,123,569 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $2,461,004 indemnity · 8 years
- Cold Wet Weather $1,441,735 indemnity · 5 years
- Frost $1,002,378 indemnity · 5 years
- Failure of Irrigation Supply $187,484 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 0.11Low end of the filed band
- 2.08Middle of the filed band
- 3.08High end of the filed band
- 2020Worst year filed (3.14)
- 10Years filed
- $4,366,702Premium filed
- $10,935,893Indemnity paid
- $18,203,006Liability insured
- 986,792Quantity planted
- 0Quantity lost
- 513Policies
- 513Policies with a loss
- 2.50Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- ARPI/SCO/STAX Crops Only $10,935,893 indemnity · 10 years
Fresh Nectarines 10 years filed
- 1.92Low end of the filed band
- 3.19Middle of the filed band
- 5.69High end of the filed band
- 2023Worst year filed (5.99)
- 10Years filed
- $2,654,386Premium filed
- $10,826,898Indemnity paid
- $43,734,905Liability insured
- 7,228Quantity planted
- 7,217Quantity lost
- 406Policies
- 403Policies with a loss
- 4.08Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Excess Moisture/Precipitation/Rain $3,088,631 indemnity · 10 years
- Hail $1,995,837 indemnity · 10 years
- Cold Winter $1,819,701 indemnity · 1 years
- Freeze $1,622,005 indemnity · 7 years
- Frost $1,257,806 indemnity · 7 years
- Heat $547,151 indemnity · 9 years
Grapes 10 years filed
- 4.55Low end of the filed band
- 6.54Middle of the filed band
- 7.26High end of the filed band
- 2023Worst year filed (10.01)
- 10Years filed
- $1,618,524Premium filed
- $10,705,119Indemnity paid
- $28,954,245Liability insured
- 13,277Quantity planted
- 13,320Quantity lost
- 323Policies
- 323Policies with a loss
- 6.61Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Heat $5,924,936 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $2,225,354 indemnity · 9 years
- Hail $681,686 indemnity · 9 years
- Freeze $431,988 indemnity · 5 years
- Cold Wet Weather $402,599 indemnity · 5 years
- XX $388,815 indemnity · 7 years
Apiculture 10 years filed
- 0.29Low end of the filed band
- 1.40Middle of the filed band
- 2.59High end of the filed band
- 2023Worst year filed (2.59)
- 10Years filed
- $4,611,106Premium filed
- $9,955,375Indemnity paid
- $17,632,871Liability insured
- 157,257Quantity planted
- 0Quantity lost
- 745Policies
- 745Policies with a loss
- 2.16Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- ARPI/SCO/STAX Crops Only $9,955,375 indemnity · 10 years
Plums 10 years filed
- 1.65Low end of the filed band
- 2.42Middle of the filed band
- 3.24High end of the filed band
- 2022Worst year filed (3.56)
- 10Years filed
- $3,086,953Premium filed
- $8,263,563Indemnity paid
- $25,671,453Liability insured
- 5,644Quantity planted
- 5,598Quantity lost
- 384Policies
- 381Policies with a loss
- 2.68Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Hail $1,813,494 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,764,332 indemnity · 10 years
- Heat $1,260,429 indemnity · 8 years
- Freeze $1,190,098 indemnity · 6 years
- Cold Wet Weather $798,559 indemnity · 8 years
- Frost $780,350 indemnity · 6 years
Lemons 10 years filed
- 0.88Low end of the filed band
- 1.98Middle of the filed band
- 6.43High end of the filed band
- 2024Worst year filed (6.58)
- 10Years filed
- $1,854,033Premium filed
- $7,593,175Indemnity paid
- $20,512,157Liability insured
- 4,176Quantity planted
- 4,176Quantity lost
- 258Policies
- 258Policies with a loss
- 4.10Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Heat $4,978,358 indemnity · 10 years
- Excess Moisture/Precipitation/Rain $957,898 indemnity · 7 years
- Freeze $599,167 indemnity · 7 years
- Frost $335,705 indemnity · 5 years
- Cold Wet Weather $297,205 indemnity · 2 years
- Failure of Irrigation Supply $156,991 indemnity · 1 years
Prunes 10 years filed
- 1.73Low end of the filed band
- 3.10Middle of the filed band
- 3.53High end of the filed band
- 2024Worst year filed (4.30)
- 10Years filed
- $1,974,221Premium filed
- $5,848,679Indemnity paid
- $15,246,914Liability insured
- 5,449Quantity planted
- 5,449Quantity lost
- 160Policies
- 160Policies with a loss
- 2.96Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Heat $2,641,059 indemnity · 9 years
- Excess Moisture/Precipitation/Rain $1,266,838 indemnity · 7 years
- Freeze $660,686 indemnity · 2 years
- Cold Wet Weather $425,720 indemnity · 5 years
- Frost $342,606 indemnity · 2 years
- Hail $293,913 indemnity · 4 years
Fresh Freestone Peaches 10 years filed
- 3.07Low end of the filed band
- 6.88Middle of the filed band
- 8.78High end of the filed band
- 2023Worst year filed (9.13)
- 10Years filed
- $708,554Premium filed
- $5,099,766Indemnity paid
- $22,568,199Liability insured
- 4,153Quantity planted
- 4,096Quantity lost
- 269Policies
- 269Policies with a loss
- 7.20Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Excess Moisture/Precipitation/Rain $1,203,193 indemnity · 10 years
- Frost $917,995 indemnity · 6 years
- Hail $876,140 indemnity · 9 years
- Freeze $749,066 indemnity · 6 years
- Cold Winter $727,505 indemnity · 1 years
- Heat $407,245 indemnity · 7 years
Whole Farm Revenue Protection 7 years filed
- 1.89Low end of the filed band
- 10.46Middle of the filed band
- 13.67High end of the filed band
- 2021Worst year filed (13.67)
- 7Years filed
- $662,873Premium filed
- $1,938,968Indemnity paid
- $11,342,606Liability insured
- 0Quantity planted
- 0Quantity lost
- 27Policies
- 27Policies with a loss
- 2.93Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Decline in Price $918,994 indemnity · 4 years
- Heat $555,721 indemnity · 6 years
- Freeze $148,917 indemnity · 1 years
- Wind/Excess Wind $148,917 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $97,582 indemnity · 1 years
- Frost $41,821 indemnity · 1 years
Tangelos 9 years filed
- 1.82Low end of the filed band
- 4.27Middle of the filed band
- 11.90High end of the filed band
- 2024Worst year filed (11.90)
- 9Years filed
- $289,427Premium filed
- $1,843,783Indemnity paid
- $5,209,483Liability insured
- 1,299Quantity planted
- 1,299Quantity lost
- 122Policies
- 122Policies with a loss
- 6.37Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Heat $907,505 indemnity · 9 years
- Cold Wet Weather $260,621 indemnity · 1 years
- Freeze $216,340 indemnity · 6 years
- Excess Moisture/Precipitation/Rain $193,708 indemnity · 5 years
- Failure of Irrigation Supply $152,227 indemnity · 2 years
- Frost $83,040 indemnity · 2 years
Cotton Ex Long Staple 5 years filed
- 1.35Low end of the filed band
- 3.39Middle of the filed band
- 11.63High end of the filed band
- 2015Worst year filed (11.63)
- 5Years filed
- $465,390Premium filed
- $1,791,190Indemnity paid
- $1,943,251Liability insured
- 2,037Quantity planted
- 2,037Quantity lost
- 11Policies
- 11Policies with a loss
- 3.85Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Excess Moisture/Precipitation/Rain $1,297,908 indemnity · 2 years
- Failure of Irrigation Supply $356,813 indemnity · 1 years
- Flood $103,878 indemnity · 1 years
- Heat $32,591 indemnity · 2 years
Fresh Apricots 9 years filed
- 2.63Low end of the filed band
- 3.36Middle of the filed band
- 5.14High end of the filed band
- 2015Worst year filed (5.14)
- 9Years filed
- $428,981Premium filed
- $1,439,252Indemnity paid
- $2,339,287Liability insured
- 455Quantity planted
- 455Quantity lost
- 68Policies
- 68Policies with a loss
- 3.36Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Excess Moisture/Precipitation/Rain $432,556 indemnity · 7 years
- Frost $426,750 indemnity · 4 years
- Hail $279,702 indemnity · 7 years
- Freeze $226,127 indemnity · 4 years
- Cold Wet Weather $49,610 indemnity · 3 years
- Heat $18,464 indemnity · 2 years
Wheat 9 years filed
- 0.47Low end of the filed band
- 1.91Middle of the filed band
- 8.07High end of the filed band
- 2023Worst year filed (8.07)
- 9Years filed
- $623,980Premium filed
- $1,131,737Indemnity paid
- $1,654,461Liability insured
- 18,645Quantity planted
- 18,657Quantity lost
- 72Policies
- 72Policies with a loss
- 1.81Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Drought $870,297 indemnity · 5 years
- Excess Moisture/Precipitation/Rain $189,749 indemnity · 2 years
- Failure of Irrigation Supply $22,259 indemnity · 3 years
- Cold Wet Weather $16,548 indemnity · 2 years
- Freeze $8,827 indemnity · 1 years
- Heat $8,548 indemnity · 1 years
Raisins 10 years filed
- 0.08Low end of the filed band
- 0.81Middle of the filed band
- 2.46High end of the filed band
- 2020Worst year filed (3.78)
- 10Years filed
- $257,022Premium filed
- $423,796Indemnity paid
- $7,008,050Liability insured
- 6,531Quantity planted
- 3,213Quantity lost
- 72Policies
- 71Policies with a loss
- 1.65Loss ratio, whole span
Causes that carried the indemnity in Tulare County
- Excess Moisture/Precipitation/Rain $423,796 indemnity · 10 years
Every county-crop the agency files in California → Buy the Tulare 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.