name = "Crop insurance — Alabama (2026) — USDA RMA Summary of Business"
description = "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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/al.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/al/state-identity"
warrant = "RECORDED"
name = "Alabama had 28,719 crop insurance policies sold in 2026 across 15 commodities"
text = "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"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/al/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in Alabama for 2026: $18,472,329 total, $11,263,410 subsidized"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/al/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in Alabama for 2026: $5,516,415"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/al/loss-ratio"
warrant = "DERIVED"
name = "Alabama crop insurance loss ratio for 2026: 29.9%"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/al/top-commodity"
warrant = "DERIVED"
name = "All Other Crops is the largest crop insurance commodity in Alabama by liability (2026): $85,874,319"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/al/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for Alabama (2026)"
text = "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)"
sourceUrl = "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."

[[crop-summary]]
Metric = "Policies sold"
Value = "28,719"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "1,068"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$184,775,976"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$18,472,329"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$11,263,410"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$5,516,415"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "29.9%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "15"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "66"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$85,874,319"
Policies_sold = "1,729"
Loss_ratio = "7.7%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$67,841,919"
Policies_sold = "1,163"
Loss_ratio = "52.1%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$9,592,986"
Policies_sold = "1,920"
Loss_ratio = "9.1%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$6,193,267"
Policies_sold = "6,250"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cotton (0021)"
Total_liability = "$5,988,554"
Policies_sold = "6,113"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Canola (0015)"
Total_liability = "$3,985,543"
Policies_sold = "156"
Loss_ratio = "13.9%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$3,344,662"
Policies_sold = "5,777"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Peanuts (0075)"
Total_liability = "$1,441,270"
Policies_sold = "4,035"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$241,959"
Policies_sold = "430"
Loss_ratio = "22.3%"

[[top-commodities]]
Commodity = "Pecans (0020)"
Total_liability = "$155,932"
Policies_sold = "20"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Apiculture (1191)"
Total_liability = "$107,505"
Policies_sold = "5"
Loss_ratio = "88.3%"

[[top-commodities]]
Commodity = "Grain Sorghum (0051)"
Total_liability = "$8,060"
Policies_sold = "1,091"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$0"
Policies_sold = "7"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Cucumbers (0132)"
Total_liability = "$0"
Policies_sold = "9"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Sesame (0396)"
Total_liability = "$0"
Policies_sold = "14"
Loss_ratio = "—"
