Crop-loss band · Florida
St. Lucie County, Florida — crop-loss band
- 1.13Low end of the filed band
- 1.98Middle of the filed band
- 4.74High end of the filed band
- 2023Worst year filed (5.93)
- 10Years filed
Every year the Risk Management Agency has filed for St. Lucie 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 1.13 at the low end to 4.74 at the high end, with 1.98 in the middle. The worst year filed is 2023, at 5.93. 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 | $418,747 | $510,665 | $2,194,778 | 79 | 79 | 1.22 |
| 2016 | $309,462 | $350,882 | $1,727,080 | 65 | 65 | 1.13 |
| 2017 | $1,665,007 | $5,801,729 | $20,545,649 | 160 | 160 | 3.48 |
| 2018 | $3,106,221 | $14,716,878 | $40,640,873 | 281 | 281 | 4.74 |
| 2019 | $1,616,924 | $3,109,942 | $14,182,318 | 189 | 189 | 1.92 |
| 2020 | $2,206,140 | $4,908,827 | $18,543,374 | 176 | 176 | 2.23 |
| 2021 | $1,883,879 | $2,633,981 | $15,292,195 | 183 | 183 | 1.40 |
| 2022 | $2,830,176 | $6,537,881 | $18,962,463 | 236 | 236 | 2.31 |
| 2023 | $3,103,870 | $18,418,196 | $31,037,379 | 221 | 221 | 5.93 |
| 2024 | $1,917,151 | $3,790,324 | $10,668,056 | 229 | 229 | 1.98 |
Commodities insured in St. Lucie 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.
Grapefruit 7 years filed
- 3.86Low end of the filed band
- 8.02Middle of the filed band
- 12.58High end of the filed band
- 2018Worst year filed (12.58)
- 7Years filed
- $2,274,446Premium filed
- $18,792,008Indemnity paid
- $45,724,713Liability insured
- 24,394Quantity planted
- 24,393Quantity lost
- 117Policies
- 117Policies with a loss
- 8.26Loss ratio, whole span
Causes that carried the indemnity in St. Lucie County
- Hurricane/Tropical Depression $16,259,478 indemnity · 4 years
- Hail $998,385 indemnity · 4 years
- Freeze $610,523 indemnity · 2 years
- Wind/Excess Wind $544,153 indemnity · 3 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $268,788 indemnity · 1 years
- Drought $110,682 indemnity · 1 years
Pasture,Rangeland,Forage 10 years filed
- 1.01Low end of the filed band
- 1.51Middle of the filed band
- 2.50High end of the filed band
- 2023Worst year filed (3.35)
- 10Years filed
- $9,913,126Premium filed
- $17,725,182Indemnity paid
- $49,217,603Liability insured
- 322,285Quantity planted
- 0Quantity lost
- 740Policies
- 740Policies with a loss
- 1.79Loss ratio, whole span
Causes that carried the indemnity in St. Lucie County
- ARPI/SCO/STAX Crops Only $17,725,182 indemnity · 10 years
Whole Farm Revenue Protection 6 years filed
- 1.99Low end of the filed band
- 3.67Middle of the filed band
- 7.07High end of the filed band
- 2017Worst year filed (7.07)
- 6Years filed
- $2,376,660Premium filed
- $8,886,166Indemnity paid
- $41,229,650Liability insured
- 0Quantity planted
- 0Quantity lost
- 33Policies
- 33Policies with a loss
- 3.74Loss ratio, whole span
Causes that carried the indemnity in St. Lucie County
- Excess Moisture/Precipitation/Rain $3,105,965 indemnity · 4 years
- Hurricane/Tropical Depression $1,848,552 indemnity · 2 years
- Drought $1,823,503 indemnity · 4 years
- Hail $1,208,745 indemnity · 1 years
- Freeze $493,516 indemnity · 2 years
- Wind/Excess Wind $405,885 indemnity · 1 years
Oranges 6 years filed
- 3.19Low end of the filed band
- 8.18Middle of the filed band
- 13.14High end of the filed band
- 2022Worst year filed (13.14)
- 6Years filed
- $824,354Premium filed
- $8,326,969Indemnity paid
- $18,962,815Liability insured
- 8,658Quantity planted
- 8,660Quantity lost
- 97Policies
- 97Policies with a loss
- 10.10Loss ratio, whole span
Causes that carried the indemnity in St. Lucie County
- Hurricane/Tropical Depression $6,404,933 indemnity · 4 years
- Wind/Excess Wind $1,007,127 indemnity · 2 years
- Freeze $701,542 indemnity · 2 years
- Hail $111,545 indemnity · 2 years
- ARPI/SCO/ECO/STAX/MP/HIP-WI/PACE Crops Only $82,825 indemnity · 1 years
- Tornado $18,996 indemnity · 1 years
Apiculture 10 years filed
- 0.98Low end of the filed band
- 1.84Middle of the filed band
- 2.25High end of the filed band
- 2023Worst year filed (2.89)
- 10Years filed
- $3,668,991Premium filed
- $7,048,980Indemnity paid
- $18,659,384Liability insured
- 126,889Quantity planted
- 0Quantity lost
- 832Policies
- 832Policies with a loss
- 1.92Loss ratio, whole span
Causes that carried the indemnity in St. Lucie County
- ARPI/SCO/STAX Crops Only $7,048,980 indemnity · 10 years
Every county-crop the agency files in Florida → Buy the St. Lucie 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.