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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ca.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ca/state-identity"
warrant = "RECORDED"
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."
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 CA, 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/ca/total-premium"
warrant = "DERIVED"
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."
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 CA, year 2026 from the USDA RMA SoB. Falsified if the totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ca/indemnity-payout"
warrant = "DERIVED"
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."
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 CA, year 2026 from the USDA RMA SoB. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ca/loss-ratio"
warrant = "DERIVED"
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."
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 CA, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ca/top-commodity"
warrant = "DERIVED"
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."
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 CA, 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/ca/boundary"
warrant = "INTERPRETATION"
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."
source = "Coverage Atlas framing (over the USDA RMA sources cited above)"
sourceUrl = "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."

[[crop-summary]]
Metric = "Policies sold"
Value = "40,408"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "1,768"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$11,920,161,982"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$809,919,513"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$495,124,371"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$41,803,318"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "5.2%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "63"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "57"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Almonds (0028)"
Total_liability = "$3,589,974,824"
Policies_sold = "7,414"
Loss_ratio = "0.1%"

[[top-commodities]]
Commodity = "Grapes (0053)"
Total_liability = "$1,757,046,909"
Policies_sold = "5,517"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Pistachios (0470)"
Total_liability = "$1,058,442,739"
Policies_sold = "1,246"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Table Grapes (0052)"
Total_liability = "$614,521,938"
Policies_sold = "404"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Walnuts (0029)"
Total_liability = "$536,045,248"
Policies_sold = "2,636"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Oranges (0227)"
Total_liability = "$448,812,754"
Policies_sold = "1,615"
Loss_ratio = "11.7%"

[[top-commodities]]
Commodity = "Mandarins/Tangerines (0309)"
Total_liability = "$425,443,889"
Policies_sold = "967"
Loss_ratio = "75.4%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$327,366,886"
Policies_sold = "623"
Loss_ratio = "7.3%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$322,578,909"
Policies_sold = "2,148"
Loss_ratio = "6.1%"

[[top-commodities]]
Commodity = "Tomatoes (0087)"
Total_liability = "$300,165,337"
Policies_sold = "860"
Loss_ratio = "0.4%"

[[top-commodities]]
Commodity = "Rice (0018)"
Total_liability = "$205,372,340"
Policies_sold = "2,102"
Loss_ratio = "9.8%"

[[top-commodities]]
Commodity = "Cotton Ex Long Staple (0022)"
Total_liability = "$204,976,556"
Policies_sold = "641"
Loss_ratio = "4.2%"

[[top-commodities]]
Commodity = "Apiculture (1191)"
Total_liability = "$195,737,587"
Policies_sold = "2,681"
Loss_ratio = "4.3%"

[[top-commodities]]
Commodity = "Cherries (0057)"
Total_liability = "$191,259,891"
Policies_sold = "774"
Loss_ratio = "6.6%"

[[top-commodities]]
Commodity = "Whole Farm Revenue Protection (0076)"
Total_liability = "$152,351,837"
Policies_sold = "183"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Lemons (0202)"
Total_liability = "$149,447,205"
Policies_sold = "903"
Loss_ratio = "8.0%"

[[top-commodities]]
Commodity = "Fresh Freestone Peaches (0223)"
Total_liability = "$145,592,352"
Policies_sold = "281"
Loss_ratio = "1.7%"

[[top-commodities]]
Commodity = "Blueberries (0012)"
Total_liability = "$134,560,273"
Policies_sold = "70"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Avocados (0019)"
Total_liability = "$118,001,906"
Policies_sold = "772"
Loss_ratio = "12.9%"

[[top-commodities]]
Commodity = "Grapevine (0270)"
Total_liability = "$117,279,093"
Policies_sold = "53"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Nursery (NVS) (1010)"
Total_liability = "$108,533,612"
Policies_sold = "13"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Fresh Nectarines (0220)"
Total_liability = "$97,876,251"
Policies_sold = "260"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Pomegranates (0467)"
Total_liability = "$83,927,669"
Policies_sold = "46"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Prunes (0036)"
Total_liability = "$78,332,847"
Policies_sold = "400"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Plums (0092)"
Total_liability = "$70,319,870"
Policies_sold = "267"
Loss_ratio = "0.7%"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$62,683,523"
Policies_sold = "242"
Loss_ratio = "28.3%"

[[top-commodities]]
Commodity = "Processing Cling Peaches (0221)"
Total_liability = "$42,511,402"
Policies_sold = "262"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Olives (0501)"
Total_liability = "$41,335,087"
Policies_sold = "343"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Onions (0013)"
Total_liability = "$40,641,456"
Policies_sold = "318"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Caneberries (6000)"
Total_liability = "$40,183,544"
Policies_sold = "8"
Loss_ratio = "0.0%"
