RAMONA 1
OperatingSolar power plant
- Capacity
- 2 MW
- Primary fuel
- Solar
- County
- San Diego County
- Operator
- SOL ORCHARD SAN DIEGO 20 LLC
- Status
- Operating
- Commissioned
- 2013
- EIA plant ID
- 58909
- Coordinates
- 33.0115, -116.8748
RAMONA 1, a 2 MW Solar power plant in San Diego County, California. Operated by SOL ORCHARD SAN DIEGO 20 LLC, commissioned 2013.
Weather peril exposure
RAMONA 1 is a 2 MW solar power plant in San Diego County, CA, operated by SOL ORCHARD SAN DIEGO 20 LLC, commissioned in 2013. San Diego County carries moderate modeled catastrophe exposure in the FEMA National Risk Index, scoring 2.3 of 5 at the 33rd national percentile. Wildfire is the leading peril, rated Very High by FEMA at the 100th percentile.
San Diego County hazard ratings
| Peril | FEMA rating | National percentile | Peril score | Share of modeled loss | Events per year |
|---|---|---|---|---|---|
| Wildfire | Very High | 100th | 5.0 of 5 | 78% | 0.03 |
| Earthquake | Relatively High | 94th | 4.8 of 5 | 6% | 0.11 |
| Heat wave | Relatively High | 72nd | 3.9 of 5 | <1% | 10.3 |
| Riverine flooding | Very High | 68th | 3.7 of 5 | 10% | 7.9 |
| Coastal flooding | Relatively Moderate | 40th | 2.6 of 5 | 1% | 1.6 |
| Hail | Relatively Moderate | 12th | 1.5 of 5 | 5% | 0.10 |
| Tornado | Relatively Low | 8th | 1.3 of 5 | <1% | 0.31 |
| Strong wind | Relatively Moderate | 2nd | 1.1 of 5 | <1% | 0.19 |
| Winter weather | Relatively Low | 1st | 1.0 of 5 | <1% | 3.7 |
| Lightning | Relatively Moderate | 0th | 1.0 of 5 | <1% | 11.1 |
| Hurricane | Very Low | 0th | 1.0 of 5 | <1% | 0.01 |
Perils not assessed in San Diego County
These perils carry no usable National Risk Index figure for this county, so they are excluded from the scoring rather than scored zero. A zero would claim the peril was assessed and found benign.
| Peril | Why it is not scored |
|---|---|
| Ice storm | FEMA rating is "Not Applicable" for this county |
Hail exposure and deductible structure
Hail scores 1.5 of 5, which sits in the 1% to 2% percentage deductible range carriers are quoting for that exposure. Named windstorm and severe convective wind score 1.3 of 5, indicating a 1% to 1% wind deductible. Ranges, not single figures. The final structure is set by the carrier.
Percentage hail deductible range: 1% to 2% of insured value. Wind deductible range: 1% to 1%. These are the structures commonly seen at this exposure, not an offer and not a rate.
Modeled annual loss for a 2 MW solar array
At an assumed replacement value of $0.90 per watt, or $1.8M insured, the modeled expected annual loss for a fixed tilt ground mount array in San Diego County is $913 a year, $457 per MW, 0.05% of insured value.
Heat is modeled as a production risk rather than a property loss: 2.2% of annual yield in this county.
Insurability signal: Standard. Wildfire carries 78% of modeled loss.
Model hail, wind and flood exposure for San Diego County in the weather risk calculator
Ratings are the FEMA National Risk Index county hazard ratings; the peril score is a Bywatts transform of the FEMA national percentile, and the modeled loss applies the Bywatts solar vulnerability layer. Full data sources and the solar vulnerability methodology are in the weather risk calculator.
Modeled estimate for screening and negotiation. Built from FEMA National Risk Index county hazard data and a solar vulnerability layer documented above. Not a quote, a binder, or actuarial advice, and not a substitute for a carrier's own model. Hazard data: FEMA National Risk Index December 2025, synced 2026-07-24. Resolution is county level, not site level. The solar vulnerability layer that turns FEMA building loss into modeled solar loss was derived by Bywatts and revised on physical reasoning. It has not been reviewed by a practising underwriter.