Crop-loss band · Florida
Charlotte County, Florida — crop-loss band
- 0.62Low end of the filed band
- 1.90Middle of the filed band
- 3.05High end of the filed band
- 2023Worst year filed (6.45)
- 10Years filed
Every year the Risk Management Agency has filed for Charlotte County is in the series below, from 2017 to 2024. Read across those years the county’s annual loss ratio — indemnity divided by premium — runs from 0.62 at the low end to 3.05 at the high end, with 1.90 in the middle. The worst year filed is 2023, at 6.45. 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 | $798,693 | $2,039,688 | $3,884,133 | 84 | 84 | 2.55 |
| 2016 | $755,856 | $1,438,085 | $3,562,758 | 54 | 54 | 1.90 |
| 2017 | $1,938,337 | $3,853,416 | $10,269,882 | 88 | 88 | 1.99 |
| 2018 | $2,788,245 | $6,516,689 | $18,761,214 | 140 | 139 | 2.34 |
| 2019 | $1,389,161 | $863,156 | $5,793,134 | 69 | 69 | 0.62 |
| 2020 | $2,590,606 | $4,351,402 | $12,927,963 | 107 | 107 | 1.68 |
| 2021 | $2,971,855 | $4,019,882 | $13,854,162 | 117 | 117 | 1.35 |
| 2022 | $3,218,651 | $5,474,134 | $13,574,546 | 132 | 132 | 1.70 |
| 2023 | $5,305,222 | $34,225,612 | $58,860,862 | 200 | 199 | 6.45 |
| 2024 | $8,186,881 | $25,000,353 | $33,767,305 | 191 | 191 | 3.05 |
Commodities insured in Charlotte County
5 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.
All Other Crops 7 years filed
- 2.96Low end of the filed band
- 13.78Middle of the filed band
- 19.72High end of the filed band
- 2023Worst year filed (19.72)
- 7Years filed
- $1,714,892Premium filed
- $28,936,357Indemnity paid
- $56,595,856Liability insured
- 491,755Quantity planted
- 445,784Quantity lost
- 92Policies
- 90Policies with a loss
- 16.87Loss ratio, whole span
Causes that carried the indemnity in Charlotte County
- Hurricane/Tropical Depression $14,761,310 indemnity · 3 years
- Wind/Excess Wind $8,601,957 indemnity · 4 years
- Freeze $3,457,377 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $978,276 indemnity · 1 years
- Excess Moisture/Precipitation/Rain $614,243 indemnity · 3 years
- Drought $504,137 indemnity · 3 years
Pasture,Rangeland,Forage 10 years filed
- 0.58Low end of the filed band
- 1.53Middle of the filed band
- 1.73High end of the filed band
- 2015Worst year filed (1.91)
- 10Years filed
- $17,999,308Premium filed
- $25,504,709Indemnity paid
- $74,727,262Liability insured
- 751,019Quantity planted
- 0Quantity lost
- 582Policies
- 582Policies with a loss
- 1.42Loss ratio, whole span
Causes that carried the indemnity in Charlotte County
- ARPI/SCO/STAX Crops Only $25,504,709 indemnity · 10 years
Peppers 5 years filed
- 2.58Low end of the filed band
- 3.70Middle of the filed band
- 3.77High end of the filed band
- 2017Worst year filed (3.77)
- 5Years filed
- $6,145,731Premium filed
- $22,473,396Indemnity paid
- $23,824,284Liability insured
- 2,772Quantity planted
- 2,772Quantity lost
- 50Policies
- 50Policies with a loss
- 3.66Loss ratio, whole span
Causes that carried the indemnity in Charlotte County
- Excess Moisture/Precipitation/Rain $21,799,640 indemnity · 5 years
- Hurricane/Tropical Depression $673,756 indemnity · 1 years
Fresh Market Tomatoes 7 years filed
- 2.49Low end of the filed band
- 5.23Middle of the filed band
- 6.35High end of the filed band
- 2017Worst year filed (6.35)
- 7Years filed
- $1,356,525Premium filed
- $6,795,143Indemnity paid
- $8,207,664Liability insured
- 999Quantity planted
- 1,022Quantity lost
- 35Policies
- 35Policies with a loss
- 5.01Loss ratio, whole span
Causes that carried the indemnity in Charlotte County
- Excess Moisture/Precipitation/Rain $4,174,239 indemnity · 7 years
- Hurricane/Tropical Depression $2,393,616 indemnity · 1 years
- Freeze $227,288 indemnity · 2 years
Apiculture 10 years filed
- 0.80Low end of the filed band
- 1.23Middle of the filed band
- 2.10High end of the filed band
- 2023Worst year filed (2.19)
- 10Years filed
- $2,727,051Premium filed
- $4,072,812Indemnity paid
- $11,900,893Liability insured
- 80,786Quantity planted
- 0Quantity lost
- 423Policies
- 423Policies with a loss
- 1.49Loss ratio, whole span
Causes that carried the indemnity in Charlotte County
- ARPI/SCO/STAX Crops Only $4,072,812 indemnity · 10 years
Every county-crop the agency files in Florida → Buy the Charlotte 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.