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

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

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.

## Claims

### California had 40,408 crop insurance policies sold in 2026 across 63 commodities

**RECORDED.** 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.

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 CA, year 2026. Falsified if the sum of all policies sold, liability, or premium differs.

### Crop insurance premium in California for 2026: $809,919,513 total, $495,124,371 subsidized

**DERIVED.** 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.

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 CA, year 2026 from the USDA RMA SoB. Falsified if the totals differ.

### Crop insurance indemnities paid in California for 2026: $41,803,318

**DERIVED.** 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.

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 CA, year 2026 from the USDA RMA SoB. Falsified if the total differs.

### California crop insurance loss ratio for 2026: 5.2%

**DERIVED.** 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.

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 CA, year 2026 in the USDA RMA SoB. Falsified if the ratio differs.

### Almonds is the largest crop insurance commodity in California by liability (2026): $3,589,974,824

**DERIVED.** 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.

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 CA, 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 California (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/ca
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/ca.jsonld`

## Data

### California — 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 | 40,408 | AGGREGATED |
| Policies indemnified | 1,768 | AGGREGATED |
| Total liability covered | $11,920,161,982 | AGGREGATED |
| Total premium | $809,919,513 | AGGREGATED |
| Government subsidy | $495,124,371 | AGGREGATED |
| Indemnities paid | $41,803,318 | AGGREGATED |
| Loss ratio | 5.2% | AGGREGATED |
| Commodities insured | 63 | AGGREGATED |
| Counties with coverage | 57 | AGGREGATED |

### California — top 30 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 |
| --- | --- | --- | --- |
| Almonds (0028) | $3,589,974,824 | 7,414 | 0.1% |
| Grapes (0053) | $1,757,046,909 | 5,517 | 0.0% |
| Pistachios (0470) | $1,058,442,739 | 1,246 | 0.0% |
| Table Grapes (0052) | $614,521,938 | 404 | 0.0% |
| Walnuts (0029) | $536,045,248 | 2,636 | 0.0% |
| Oranges (0227) | $448,812,754 | 1,615 | 11.7% |
| Mandarins/Tangerines (0309) | $425,443,889 | 967 | 75.4% |
| All Other Crops (9999) | $327,366,886 | 623 | 7.3% |
| Pasture,Rangeland,Forage (0088) | $322,578,909 | 2,148 | 6.1% |
| Tomatoes (0087) | $300,165,337 | 860 | 0.4% |
| Rice (0018) | $205,372,340 | 2,102 | 9.8% |
| Cotton Ex Long Staple (0022) | $204,976,556 | 641 | 4.2% |
| Apiculture (1191) | $195,737,587 | 2,681 | 4.3% |
| Cherries (0057) | $191,259,891 | 774 | 6.6% |
| Whole Farm Revenue Protection (0076) | $152,351,837 | 183 | 0.0% |
| Lemons (0202) | $149,447,205 | 903 | 8.0% |
| Fresh Freestone Peaches (0223) | $145,592,352 | 281 | 1.7% |
| Blueberries (0012) | $134,560,273 | 70 | 0.0% |
| Avocados (0019) | $118,001,906 | 772 | 12.9% |
| Grapevine (0270) | $117,279,093 | 53 | 0.0% |
| Nursery (NVS) (1010) | $108,533,612 | 13 | 0.0% |
| Fresh Nectarines (0220) | $97,876,251 | 260 | 0.0% |
| Pomegranates (0467) | $83,927,669 | 46 | 0.0% |
| Prunes (0036) | $78,332,847 | 400 | 0.0% |
| Plums (0092) | $70,319,870 | 267 | 0.7% |
| Potatoes (0084) | $62,683,523 | 242 | 28.3% |
| Processing Cling Peaches (0221) | $42,511,402 | 262 | 0.0% |
| Olives (0501) | $41,335,087 | 343 | 0.0% |
| Onions (0013) | $40,641,456 | 318 | 0.0% |
| Caneberries (6000) | $40,183,544 | 8 | 0.0% |