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  "name": "Crop insurance — Colorado (2026) — USDA RMA Summary of Business",
  "description": "USDA RMA crop insurance for Colorado (2026): 54,785 policies sold, $928,576,930 total liability, $171,791,851 total premium, $59,620,048 indemnities paid, loss ratio 34.7%. Top crop: Wheat. Atlas Commons aggregation over USDA RMA SoB. CC0.",
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    "name": "Colorado",
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      "@type": "schema:Claim",
      "name": "Colorado had 54,785 crop insurance policies sold in 2026 across 31 commodities",
      "text": "The USDA Risk Management Agency Summary of Business records 54,785 crop insurance policies sold in Colorado (CO) for 2026, covering 31 commodities across 54 counties. Total liability covered: $928,576,930. Total premium: $171,791,851 (including $107,851,886 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 CO, 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/co/total-premium",
      "@type": "schema:Claim",
      "name": "Crop insurance premium in Colorado for 2026: $171,791,851 total, $107,851,886 subsidized",
      "text": "Atlas Commons sums $171,791,851 in total premium and $107,851,886 in government subsidy for crop insurance in Colorado 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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        "source": "USDA Risk Management Agency Summary of Business (Atlas Commons aggregation)",
        "sourceUrl": "https://www.rma.usda.gov/data/sob",
        "value": "$171,791,851 total premium, $107,851,886 subsidy (2026)",
        "adjudicator": null
      },
      "falsifier": "Sum all total_premium_amount and subsidy_amount values for state CO, year 2026 from the USDA RMA SoB. Falsified if the totals differ."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/co/indemnity-payout",
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      "name": "Crop insurance indemnities paid in Colorado for 2026: $59,620,048",
      "text": "Atlas Commons sums $59,620,048 in crop insurance indemnities (claims paid) in Colorado for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 2,632 of 54,785 policies received an indemnity payment.",
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      "reviewStatus": "correction_open",
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        "value": "$59,620,048 indemnities paid, 2,632 policies indemnified (2026)",
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      "falsifier": "Sum all indemnity_amount values for state CO, year 2026 from the USDA RMA SoB. Falsified if the total differs."
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      "name": "Colorado crop insurance loss ratio for 2026: 34.7%",
      "text": "Atlas Commons computes Colorado's crop insurance loss ratio for 2026 as 34.7% (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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        "value": "34.7% loss ratio (Colorado, 2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: divide the sum of indemnity_amount by the sum of total_premium_amount for state CO, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."
    },
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      "@type": "schema:Claim",
      "name": "Wheat is the largest crop insurance commodity in Colorado by liability (2026): $308,703,291",
      "text": "By total liability covered, Wheat (USDA commodity code 0011) is the largest crop insurance commodity in Colorado for 2026 with $308,703,291 in liability across 10,876 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": {
        "occurred": true,
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        "adjudged": false,
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        "source": "USDA Risk Management Agency Summary of Business (Atlas Commons aggregation)",
        "sourceUrl": "https://www.rma.usda.gov/data/sob",
        "value": "Wheat: $308,703,291 liability, 10,876 policies (2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: sum liability_amount by commodity for state CO, 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/co/boundary",
      "@type": "schema:Claim",
      "name": "What this crop insurance profile is — and is NOT — for Colorado (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,
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      "grounding": {
        "groundingType": "Interpretation",
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        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/co",
        "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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  ],
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      "name": "Colorado — crop insurance summary (2026)",
      "numberOfItems": 9,
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          "position": 1,
          "item": {
            "Metric": "Policies sold",
            "Value": "54,785",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Metric": "Policies indemnified",
            "Value": "2,632",
            "Warrant": "AGGREGATED"
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          "position": 3,
          "item": {
            "Metric": "Total liability covered",
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            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Total premium",
            "Value": "$171,791,851",
            "Warrant": "AGGREGATED"
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          "position": 5,
          "item": {
            "Metric": "Government subsidy",
            "Value": "$107,851,886",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Indemnities paid",
            "Value": "$59,620,048",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Loss ratio",
            "Value": "34.7%",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
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          "item": {
            "Metric": "Commodities insured",
            "Value": "31",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Metric": "Counties with coverage",
            "Value": "54",
            "Warrant": "AGGREGATED"
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        }
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    {
      "@type": "schema:ItemList",
      "name": "Colorado — top 30 crops by liability (2026)",
      "numberOfItems": 30,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Commodity": "Wheat (0011)",
            "Total liability": "$308,703,291",
            "Policies sold": "10,876",
            "Loss ratio": "49.4%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Commodity": "Pasture,Rangeland,Forage (0088)",
            "Total liability": "$216,500,815",
            "Policies sold": "2,188",
            "Loss ratio": "31.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "Commodity": "Corn (0041)",
            "Total liability": "$121,209,356",
            "Policies sold": "10,866",
            "Loss ratio": "5.2%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "Commodity": "Whole Farm Revenue Protection (0076)",
            "Total liability": "$95,968,357",
            "Policies sold": "134",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "Commodity": "All Other Crops (9999)",
            "Total liability": "$68,895,322",
            "Policies sold": "406",
            "Loss ratio": "14.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "Commodity": "Annual Forage (0332)",
            "Total liability": "$45,582,488",
            "Policies sold": "1,576",
            "Loss ratio": "63.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Commodity": "Peaches (0034)",
            "Total liability": "$21,040,698",
            "Policies sold": "88",
            "Loss ratio": "10.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Commodity": "Nursery (NVS) (1010)",
            "Total liability": "$14,386,936",
            "Policies sold": "10",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Commodity": "Potatoes (0084)",
            "Total liability": "$14,225,412",
            "Policies sold": "290",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "Commodity": "Grain Sorghum (0051)",
            "Total liability": "$3,995,139",
            "Policies sold": "7,620",
            "Loss ratio": "2.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "Commodity": "Sugar Beets (0039)",
            "Total liability": "$3,666,813",
            "Policies sold": "708",
            "Loss ratio": "57.7%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 12,
          "item": {
            "Commodity": "Barley (0091)",
            "Total liability": "$3,156,534",
            "Policies sold": "1,817",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 13,
          "item": {
            "Commodity": "Onions (0013)",
            "Total liability": "$2,150,229",
            "Policies sold": "123",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 14,
          "item": {
            "Commodity": "Apples (0054)",
            "Total liability": "$1,617,561",
            "Policies sold": "24",
            "Loss ratio": "20.5%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 15,
          "item": {
            "Commodity": "Grapes (0053)",
            "Total liability": "$1,448,824",
            "Policies sold": "23",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 16,
          "item": {
            "Commodity": "Dry Beans (0047)",
            "Total liability": "$1,384,256",
            "Policies sold": "2,251",
            "Loss ratio": "0.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 17,
          "item": {
            "Commodity": "Apiculture (1191)",
            "Total liability": "$1,068,301",
            "Policies sold": "26",
            "Loss ratio": "6.5%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 18,
          "item": {
            "Commodity": "Triticale (0158)",
            "Total liability": "$968,725",
            "Policies sold": "284",
            "Loss ratio": "117.9%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 19,
          "item": {
            "Commodity": "Millet (0017)",
            "Total liability": "$809,095",
            "Policies sold": "5,841",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 20,
          "item": {
            "Commodity": "Sunflowers (0078)",
            "Total liability": "$510,105",
            "Policies sold": "5,185",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 21,
          "item": {
            "Commodity": "Soybeans (0081)",
            "Total liability": "$320,395",
            "Policies sold": "1,700",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 22,
          "item": {
            "Commodity": "Forage Production (0033)",
            "Total liability": "$314,727",
            "Policies sold": "18",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 23,
          "item": {
            "Commodity": "Forage Seeding (0032)",
            "Total liability": "$311,519",
            "Policies sold": "76",
            "Loss ratio": "110.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 24,
          "item": {
            "Commodity": "Popcorn (0043)",
            "Total liability": "$242,953",
            "Policies sold": "503",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 25,
          "item": {
            "Commodity": "Oats (0016)",
            "Total liability": "$87,743",
            "Policies sold": "841",
            "Loss ratio": "63.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 26,
          "item": {
            "Commodity": "Silage Sorghum (0059)",
            "Total liability": "$11,336",
            "Policies sold": "908",
            "Loss ratio": "20.4%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 27,
          "item": {
            "Commodity": "Hemp (1218)",
            "Total liability": "$0",
            "Policies sold": "178",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 28,
          "item": {
            "Commodity": "Cotton (0021)",
            "Total liability": "$0",
            "Policies sold": "4",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 29,
          "item": {
            "Commodity": "Fresh Market Sweet Corn (0044)",
            "Total liability": "$0",
            "Policies sold": "46",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 30,
          "item": {
            "Commodity": "Hybrid Sweet Corn Seed (0093)",
            "Total liability": "$0",
            "Policies sold": "18",
            "Loss ratio": "—"
          }
        }
      ]
    }
  ]
}