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  "name": "Crop insurance — California (2026) — USDA RMA Summary of Business",
  "description": "USDA RMA crop insurance for California (2026): 40,408 policies sold, $11,920,161,982 total liability, $809,919,513 total premium, $41,803,318 indemnities paid, loss ratio 5.2%. Top crop: Almonds. Atlas Commons aggregation over USDA RMA SoB. CC0.",
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    "name": "California",
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      "@type": "schema:Claim",
      "name": "California had 40,408 crop insurance policies sold in 2026 across 63 commodities",
      "text": "The USDA Risk Management Agency Summary of Business records 40,408 crop insurance policies sold in California (CA) for 2026, covering 63 commodities across 57 counties. Total liability covered: $11,920,161,982. Total premium: $809,919,513 (including $495,124,371 in government subsidy). This is a verbatim USDA RMA figure summed across all crops, plans, and counties.",
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      "falsifier": "Verify at the USDA RMA Summary of Business (https://www.rma.usda.gov/data/sob) for state CA, year 2026. Falsified if the sum of all policies sold, liability, or premium differs."
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      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ca/total-premium",
      "@type": "schema:Claim",
      "name": "Crop insurance premium in California for 2026: $809,919,513 total, $495,124,371 subsidized",
      "text": "Atlas Commons sums $809,919,513 in total premium and $495,124,371 in government subsidy for crop insurance in California 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.",
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      "epistemicStatus": {
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        "value": "$809,919,513 total premium, $495,124,371 subsidy (2026)",
        "adjudicator": null
      },
      "falsifier": "Sum all total_premium_amount and subsidy_amount values for state CA, year 2026 from the USDA RMA SoB. Falsified if the totals differ."
    },
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      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ca/indemnity-payout",
      "@type": "schema:Claim",
      "name": "Crop insurance indemnities paid in California for 2026: $41,803,318",
      "text": "Atlas Commons sums $41,803,318 in crop insurance indemnities (claims paid) in California for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 1,768 of 40,408 policies received an indemnity payment.",
      "claimType": "aggregated_fact",
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      "epistemicStatus": {
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      "name": "California crop insurance loss ratio for 2026: 5.2%",
      "text": "Atlas Commons computes California's crop insurance loss ratio for 2026 as 5.2% (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.",
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        "adjudicator": null
      },
      "falsifier": "Reproduce: divide the sum of indemnity_amount by the sum of total_premium_amount for state CA, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."
    },
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      "@type": "schema:Claim",
      "name": "Almonds is the largest crop insurance commodity in California by liability (2026): $3,589,974,824",
      "text": "By total liability covered, Almonds (USDA commodity code 0028) is the largest crop insurance commodity in California for 2026 with $3,589,974,824 in liability across 7,414 policies. This is Atlas Commons's ranking of the USDA RMA SoB figures; USDA does not publish a per-state commodity ranking.",
      "claimType": "aggregated_fact",
      "reviewStatus": "correction_open",
      "commercialInfluence": false,
      "epistemicStatus": {
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        "adjudged": false,
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        "source": "USDA Risk Management Agency Summary of Business (Atlas Commons aggregation)",
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        "value": "Almonds: $3,589,974,824 liability, 7,414 policies (2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: sum liability_amount by commodity for state CA, year 2026 in the USDA RMA SoB. The commodity with the highest total liability should match. Falsified if a different commodity ranks first."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ca/boundary",
      "@type": "schema:Claim",
      "name": "What this crop insurance profile is — and is NOT — for California (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.",
      "claimType": "interpretation",
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      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas framing (over the USDA RMA sources cited above)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ca",
        "value": "State-aggregate sums (AGGREGATED) + loss ratio (AGGREGATED); NOT actuarial analysis",
        "adjudicator": null
      },
      "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."
    }
  ],
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    {
      "@type": "schema:ItemList",
      "name": "California — crop insurance summary (2026)",
      "numberOfItems": 9,
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          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Metric": "Policies sold",
            "Value": "40,408",
            "Warrant": "AGGREGATED"
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        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Metric": "Policies indemnified",
            "Value": "1,768",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Total liability covered",
            "Value": "$11,920,161,982",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Total premium",
            "Value": "$809,919,513",
            "Warrant": "AGGREGATED"
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          "position": 5,
          "item": {
            "Metric": "Government subsidy",
            "Value": "$495,124,371",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Indemnities paid",
            "Value": "$41,803,318",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Metric": "Loss ratio",
            "Value": "5.2%",
            "Warrant": "AGGREGATED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Metric": "Commodities insured",
            "Value": "63",
            "Warrant": "AGGREGATED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Metric": "Counties with coverage",
            "Value": "57",
            "Warrant": "AGGREGATED"
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "California — top 30 crops by liability (2026)",
      "numberOfItems": 30,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Commodity": "Almonds (0028)",
            "Total liability": "$3,589,974,824",
            "Policies sold": "7,414",
            "Loss ratio": "0.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Commodity": "Grapes (0053)",
            "Total liability": "$1,757,046,909",
            "Policies sold": "5,517",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "Commodity": "Pistachios (0470)",
            "Total liability": "$1,058,442,739",
            "Policies sold": "1,246",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "Commodity": "Table Grapes (0052)",
            "Total liability": "$614,521,938",
            "Policies sold": "404",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "Commodity": "Walnuts (0029)",
            "Total liability": "$536,045,248",
            "Policies sold": "2,636",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "Commodity": "Oranges (0227)",
            "Total liability": "$448,812,754",
            "Policies sold": "1,615",
            "Loss ratio": "11.7%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Commodity": "Mandarins/Tangerines (0309)",
            "Total liability": "$425,443,889",
            "Policies sold": "967",
            "Loss ratio": "75.4%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Commodity": "All Other Crops (9999)",
            "Total liability": "$327,366,886",
            "Policies sold": "623",
            "Loss ratio": "7.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Commodity": "Pasture,Rangeland,Forage (0088)",
            "Total liability": "$322,578,909",
            "Policies sold": "2,148",
            "Loss ratio": "6.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "Commodity": "Tomatoes (0087)",
            "Total liability": "$300,165,337",
            "Policies sold": "860",
            "Loss ratio": "0.4%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "Commodity": "Rice (0018)",
            "Total liability": "$205,372,340",
            "Policies sold": "2,102",
            "Loss ratio": "9.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 12,
          "item": {
            "Commodity": "Cotton Ex Long Staple (0022)",
            "Total liability": "$204,976,556",
            "Policies sold": "641",
            "Loss ratio": "4.2%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 13,
          "item": {
            "Commodity": "Apiculture (1191)",
            "Total liability": "$195,737,587",
            "Policies sold": "2,681",
            "Loss ratio": "4.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 14,
          "item": {
            "Commodity": "Cherries (0057)",
            "Total liability": "$191,259,891",
            "Policies sold": "774",
            "Loss ratio": "6.6%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 15,
          "item": {
            "Commodity": "Whole Farm Revenue Protection (0076)",
            "Total liability": "$152,351,837",
            "Policies sold": "183",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 16,
          "item": {
            "Commodity": "Lemons (0202)",
            "Total liability": "$149,447,205",
            "Policies sold": "903",
            "Loss ratio": "8.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 17,
          "item": {
            "Commodity": "Fresh Freestone Peaches (0223)",
            "Total liability": "$145,592,352",
            "Policies sold": "281",
            "Loss ratio": "1.7%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 18,
          "item": {
            "Commodity": "Blueberries (0012)",
            "Total liability": "$134,560,273",
            "Policies sold": "70",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 19,
          "item": {
            "Commodity": "Avocados (0019)",
            "Total liability": "$118,001,906",
            "Policies sold": "772",
            "Loss ratio": "12.9%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 20,
          "item": {
            "Commodity": "Grapevine (0270)",
            "Total liability": "$117,279,093",
            "Policies sold": "53",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 21,
          "item": {
            "Commodity": "Nursery (NVS) (1010)",
            "Total liability": "$108,533,612",
            "Policies sold": "13",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 22,
          "item": {
            "Commodity": "Fresh Nectarines (0220)",
            "Total liability": "$97,876,251",
            "Policies sold": "260",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 23,
          "item": {
            "Commodity": "Pomegranates (0467)",
            "Total liability": "$83,927,669",
            "Policies sold": "46",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 24,
          "item": {
            "Commodity": "Prunes (0036)",
            "Total liability": "$78,332,847",
            "Policies sold": "400",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 25,
          "item": {
            "Commodity": "Plums (0092)",
            "Total liability": "$70,319,870",
            "Policies sold": "267",
            "Loss ratio": "0.7%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 26,
          "item": {
            "Commodity": "Potatoes (0084)",
            "Total liability": "$62,683,523",
            "Policies sold": "242",
            "Loss ratio": "28.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 27,
          "item": {
            "Commodity": "Processing Cling Peaches (0221)",
            "Total liability": "$42,511,402",
            "Policies sold": "262",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 28,
          "item": {
            "Commodity": "Olives (0501)",
            "Total liability": "$41,335,087",
            "Policies sold": "343",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 29,
          "item": {
            "Commodity": "Onions (0013)",
            "Total liability": "$40,641,456",
            "Policies sold": "318",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 30,
          "item": {
            "Commodity": "Caneberries (6000)",
            "Total liability": "$40,183,544",
            "Policies sold": "8",
            "Loss ratio": "0.0%"
          }
        }
      ]
    }
  ]
}