---
title: Crop insurance — Alabama (2026) — USDA RMA Summary of Business
license: CC0-1.0
source: USDA Risk Management Agency Summary of Business
---

# Crop insurance — Alabama (2026) — USDA RMA Summary of Business

USDA RMA crop insurance for Alabama (2026): 28,719 policies sold, $184,775,976 total liability, $18,472,329 total premium, $5,516,415 indemnities paid, loss ratio 29.9%. Top crop: All Other Crops. Atlas Commons aggregation over USDA RMA SoB. CC0.

## Claims

### Alabama had 28,719 crop insurance policies sold in 2026 across 15 commodities

**RECORDED.** The USDA Risk Management Agency Summary of Business records 28,719 crop insurance policies sold in Alabama (AL) for 2026, covering 15 commodities across 66 counties. Total liability covered: $184,775,976. Total premium: $18,472,329 (including $11,263,410 in government subsidy). This is a verbatim USDA RMA figure summed across all crops, plans, and counties.

Source: USDA Risk Management Agency Summary of Business — https://www.rma.usda.gov/data/sob
Falsifier: Verify at the USDA RMA Summary of Business (https://www.rma.usda.gov/data/sob) for state AL, year 2026. Falsified if the sum of all policies sold, liability, or premium differs.

### Crop insurance premium in Alabama for 2026: $18,472,329 total, $11,263,410 subsidized

**DERIVED.** Atlas Commons sums $18,472,329 in total premium and $11,263,410 in government subsidy for crop insurance in Alabama for 2026. These are faithful sums of the USDA RMA published per-crop-per-plan-per-county figures — no inference or modeling. The government subsidy is the federal premium support paid on behalf of producers; the net producer cost is total premium minus subsidy.

Source: USDA Risk Management Agency Summary of Business (Atlas Commons aggregation) — https://www.rma.usda.gov/data/sob
Falsifier: Sum all total_premium_amount and subsidy_amount values for state AL, year 2026 from the USDA RMA SoB. Falsified if the totals differ.

### Crop insurance indemnities paid in Alabama for 2026: $5,516,415

**DERIVED.** Atlas Commons sums $5,516,415 in crop insurance indemnities (claims paid) in Alabama for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 1,068 of 28,719 policies received an indemnity payment.

Source: USDA Risk Management Agency Summary of Business (Atlas Commons aggregation) — https://www.rma.usda.gov/data/sob
Falsifier: Sum all indemnity_amount values for state AL, year 2026 from the USDA RMA SoB. Falsified if the total differs.

### Alabama crop insurance loss ratio for 2026: 29.9%

**DERIVED.** Atlas Commons computes Alabama's crop insurance loss ratio for 2026 as 29.9% (indemnity paid / total premium × 100). A ratio above 100% means more was paid in claims than collected in premiums — common in catastrophic crop years. This is an Atlas Commons computation over the USDA RMA SoB figures; USDA RMA does not publish a per-state summary loss ratio.

Source: USDA Risk Management Agency Summary of Business (Atlas Commons aggregation — indemnity / total_premium × 100) — https://www.rma.usda.gov/data/sob
Falsifier: Reproduce: divide the sum of indemnity_amount by the sum of total_premium_amount for state AL, year 2026 in the USDA RMA SoB. Falsified if the ratio differs.

### All Other Crops is the largest crop insurance commodity in Alabama by liability (2026): $85,874,319

**DERIVED.** By total liability covered, All Other Crops (USDA commodity code 9999) is the largest crop insurance commodity in Alabama for 2026 with $85,874,319 in liability across 1,729 policies. This is Atlas Commons's ranking of the USDA RMA SoB figures; USDA does not publish a per-state commodity ranking.

Source: USDA Risk Management Agency Summary of Business (Atlas Commons aggregation) — https://www.rma.usda.gov/data/sob
Falsifier: Reproduce: sum liability_amount by commodity for state AL, year 2026 in the USDA RMA SoB. The commodity with the highest total liability should match. Falsified if a different commodity ranks first.

### What this crop insurance profile is — and is NOT — for Alabama (2026)

**INTERPRETATION.** This profile aggregates USDA RMA Summary of Business data to the state level for 2026. Policy counts and dollar amounts are AGGREGATED (Atlas Commons sums of RMA published sub-row figures). The loss ratio and commodity ranking are Atlas Commons computations — not USDA-published statistics. This surface informs — it is NOT actuarial analysis, a prediction of future indemnities, or advice on which crops to insure. For crop-specific federal actuarial data and program participation, use the USDA RMA Cost Estimator and Actuarial Data Master files.

Source: Coverage Atlas framing (over the USDA RMA sources cited above) — https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/al
Falsifier: occurred=FALSE (a framing, not an RMA event) and adjudged=FALSE — the lowest-warrant claim in this dataset. The policy counts and dollar totals above are computed sums of RMA figures.

---

Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/al.jsonld`

## Data

### Alabama — crop insurance summary (2026)

All dollar amounts and policy counts are AGGREGATED (Atlas Commons sums of USDA RMA published per-crop-per-plan-per-county figures). Loss ratio = indemnity / total premium × 100 (AGGREGATED). Source: USDA RMA Summary of Business.

| Metric | Value | Warrant |
| --- | --- | --- |
| Policies sold | 28,719 | AGGREGATED |
| Policies indemnified | 1,068 | AGGREGATED |
| Total liability covered | $184,775,976 | AGGREGATED |
| Total premium | $18,472,329 | AGGREGATED |
| Government subsidy | $11,263,410 | AGGREGATED |
| Indemnities paid | $5,516,415 | AGGREGATED |
| Loss ratio | 29.9% | AGGREGATED |
| Commodities insured | 15 | AGGREGATED |
| Counties with coverage | 66 | AGGREGATED |

### Alabama — top 15 crops by liability (2026)

AGGREGATED: Atlas Commons sums of USDA RMA SoB figures per commodity. Loss ratio per crop = indemnity / premium (AGGREGATED). Sorted by total liability descending.

| Commodity | Total liability | Policies sold | Loss ratio |
| --- | --- | --- | --- |
| All Other Crops (9999) | $85,874,319 | 1,729 | 7.7% |
| Pasture,Rangeland,Forage (0088) | $67,841,919 | 1,163 | 52.1% |
| Wheat (0011) | $9,592,986 | 1,920 | 9.1% |
| Corn (0041) | $6,193,267 | 6,250 | 0.0% |
| Cotton (0021) | $5,988,554 | 6,113 | 0.0% |
| Canola (0015) | $3,985,543 | 156 | 13.9% |
| Soybeans (0081) | $3,344,662 | 5,777 | 0.0% |
| Peanuts (0075) | $1,441,270 | 4,035 | 0.0% |
| Oats (0016) | $241,959 | 430 | 22.3% |
| Pecans (0020) | $155,932 | 20 | 0.0% |
| Apiculture (1191) | $107,505 | 5 | 88.3% |
| Grain Sorghum (0051) | $8,060 | 1,091 | 0.0% |
| Potatoes (0084) | $0 | 7 | — |
| Cucumbers (0132) | $0 | 9 | — |
| Sesame (0396) | $0 | 14 | — |