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

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

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.

## Claims

### Colorado had 54,785 crop insurance policies sold in 2026 across 31 commodities

**RECORDED.** 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.

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

### Crop insurance premium in Colorado for 2026: $171,791,851 total, $107,851,886 subsidized

**DERIVED.** 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.

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

### Crop insurance indemnities paid in Colorado for 2026: $59,620,048

**DERIVED.** 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.

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

### Colorado crop insurance loss ratio for 2026: 34.7%

**DERIVED.** 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.

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

### Wheat is the largest crop insurance commodity in Colorado by liability (2026): $308,703,291

**DERIVED.** 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.

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 CO, 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 Colorado (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/co
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/co.jsonld`

## Data

### Colorado — 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 | 54,785 | AGGREGATED |
| Policies indemnified | 2,632 | AGGREGATED |
| Total liability covered | $928,576,930 | AGGREGATED |
| Total premium | $171,791,851 | AGGREGATED |
| Government subsidy | $107,851,886 | AGGREGATED |
| Indemnities paid | $59,620,048 | AGGREGATED |
| Loss ratio | 34.7% | AGGREGATED |
| Commodities insured | 31 | AGGREGATED |
| Counties with coverage | 54 | AGGREGATED |

### Colorado — 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 |
| --- | --- | --- | --- |
| Wheat (0011) | $308,703,291 | 10,876 | 49.4% |
| Pasture,Rangeland,Forage (0088) | $216,500,815 | 2,188 | 31.0% |
| Corn (0041) | $121,209,356 | 10,866 | 5.2% |
| Whole Farm Revenue Protection (0076) | $95,968,357 | 134 | 0.0% |
| All Other Crops (9999) | $68,895,322 | 406 | 14.0% |
| Annual Forage (0332) | $45,582,488 | 1,576 | 63.1% |
| Peaches (0034) | $21,040,698 | 88 | 10.0% |
| Nursery (NVS) (1010) | $14,386,936 | 10 | 0.0% |
| Potatoes (0084) | $14,225,412 | 290 | 0.0% |
| Grain Sorghum (0051) | $3,995,139 | 7,620 | 2.8% |
| Sugar Beets (0039) | $3,666,813 | 708 | 57.7% |
| Barley (0091) | $3,156,534 | 1,817 | 0.0% |
| Onions (0013) | $2,150,229 | 123 | 0.0% |
| Apples (0054) | $1,617,561 | 24 | 20.5% |
| Grapes (0053) | $1,448,824 | 23 | 0.0% |
| Dry Beans (0047) | $1,384,256 | 2,251 | 0.3% |
| Apiculture (1191) | $1,068,301 | 26 | 6.5% |
| Triticale (0158) | $968,725 | 284 | 117.9% |
| Millet (0017) | $809,095 | 5,841 | 0.0% |
| Sunflowers (0078) | $510,105 | 5,185 | 0.0% |
| Soybeans (0081) | $320,395 | 1,700 | 0.0% |
| Forage Production (0033) | $314,727 | 18 | 0.0% |
| Forage Seeding (0032) | $311,519 | 76 | 110.1% |
| Popcorn (0043) | $242,953 | 503 | 0.0% |
| Oats (0016) | $87,743 | 841 | 63.0% |
| Silage Sorghum (0059) | $11,336 | 908 | 20.4% |
| Hemp (1218) | $0 | 178 | — |
| Cotton (0021) | $0 | 4 | — |
| Fresh Market Sweet Corn (0044) | $0 | 46 | — |
| Hybrid Sweet Corn Seed (0093) | $0 | 18 | — |