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

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

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

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

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

[[crop-summary]]
Metric = "Policies sold"
Value = "54,785"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "2,632"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$928,576,930"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$171,791,851"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$107,851,886"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$59,620,048"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "34.7%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "31"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "54"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$308,703,291"
Policies_sold = "10,876"
Loss_ratio = "49.4%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$216,500,815"
Policies_sold = "2,188"
Loss_ratio = "31.0%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$121,209,356"
Policies_sold = "10,866"
Loss_ratio = "5.2%"

[[top-commodities]]
Commodity = "Whole Farm Revenue Protection (0076)"
Total_liability = "$95,968,357"
Policies_sold = "134"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$68,895,322"
Policies_sold = "406"
Loss_ratio = "14.0%"

[[top-commodities]]
Commodity = "Annual Forage (0332)"
Total_liability = "$45,582,488"
Policies_sold = "1,576"
Loss_ratio = "63.1%"

[[top-commodities]]
Commodity = "Peaches (0034)"
Total_liability = "$21,040,698"
Policies_sold = "88"
Loss_ratio = "10.0%"

[[top-commodities]]
Commodity = "Nursery (NVS) (1010)"
Total_liability = "$14,386,936"
Policies_sold = "10"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$14,225,412"
Policies_sold = "290"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Grain Sorghum (0051)"
Total_liability = "$3,995,139"
Policies_sold = "7,620"
Loss_ratio = "2.8%"

[[top-commodities]]
Commodity = "Sugar Beets (0039)"
Total_liability = "$3,666,813"
Policies_sold = "708"
Loss_ratio = "57.7%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$3,156,534"
Policies_sold = "1,817"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Onions (0013)"
Total_liability = "$2,150,229"
Policies_sold = "123"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Apples (0054)"
Total_liability = "$1,617,561"
Policies_sold = "24"
Loss_ratio = "20.5%"

[[top-commodities]]
Commodity = "Grapes (0053)"
Total_liability = "$1,448,824"
Policies_sold = "23"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Dry Beans (0047)"
Total_liability = "$1,384,256"
Policies_sold = "2,251"
Loss_ratio = "0.3%"

[[top-commodities]]
Commodity = "Apiculture (1191)"
Total_liability = "$1,068,301"
Policies_sold = "26"
Loss_ratio = "6.5%"

[[top-commodities]]
Commodity = "Triticale (0158)"
Total_liability = "$968,725"
Policies_sold = "284"
Loss_ratio = "117.9%"

[[top-commodities]]
Commodity = "Millet (0017)"
Total_liability = "$809,095"
Policies_sold = "5,841"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Sunflowers (0078)"
Total_liability = "$510,105"
Policies_sold = "5,185"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$320,395"
Policies_sold = "1,700"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Forage Production (0033)"
Total_liability = "$314,727"
Policies_sold = "18"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Forage Seeding (0032)"
Total_liability = "$311,519"
Policies_sold = "76"
Loss_ratio = "110.1%"

[[top-commodities]]
Commodity = "Popcorn (0043)"
Total_liability = "$242,953"
Policies_sold = "503"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$87,743"
Policies_sold = "841"
Loss_ratio = "63.0%"

[[top-commodities]]
Commodity = "Silage Sorghum (0059)"
Total_liability = "$11,336"
Policies_sold = "908"
Loss_ratio = "20.4%"

[[top-commodities]]
Commodity = "Hemp (1218)"
Total_liability = "$0"
Policies_sold = "178"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Cotton (0021)"
Total_liability = "$0"
Policies_sold = "4"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Fresh Market Sweet Corn (0044)"
Total_liability = "$0"
Policies_sold = "46"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Hybrid Sweet Corn Seed (0093)"
Total_liability = "$0"
Policies_sold = "18"
Loss_ratio = "—"
