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  "name": "Crop insurance — Florida (2026) — USDA RMA Summary of Business",
  "description": "USDA RMA crop insurance for Florida (2026): 19,161 policies sold, $3,682,258,878 total liability, $343,692,775 total premium, $267,190,891 indemnities paid, loss ratio 77.7%. Top crop: Nursery (NVS). Atlas Commons aggregation over USDA RMA SoB. CC0.",
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      "@type": "schema:Claim",
      "name": "Florida had 19,161 crop insurance policies sold in 2026 across 37 commodities",
      "text": "The USDA Risk Management Agency Summary of Business records 19,161 crop insurance policies sold in Florida (FL) for 2026, covering 37 commodities across 67 counties. Total liability covered: $3,682,258,878. Total premium: $343,692,775 (including $208,337,645 in government subsidy). This is a verbatim USDA RMA figure summed across all crops, plans, and counties.",
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      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/fl/total-premium",
      "@type": "schema:Claim",
      "name": "Crop insurance premium in Florida for 2026: $343,692,775 total, $208,337,645 subsidized",
      "text": "Atlas Commons sums $343,692,775 in total premium and $208,337,645 in government subsidy for crop insurance in Florida 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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        "value": "$343,692,775 total premium, $208,337,645 subsidy (2026)",
        "adjudicator": null
      },
      "falsifier": "Sum all total_premium_amount and subsidy_amount values for state FL, year 2026 from the USDA RMA SoB. Falsified if the totals differ."
    },
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      "name": "Crop insurance indemnities paid in Florida for 2026: $267,190,891",
      "text": "Atlas Commons sums $267,190,891 in crop insurance indemnities (claims paid) in Florida for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 4,489 of 19,161 policies received an indemnity payment.",
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      "name": "Florida crop insurance loss ratio for 2026: 77.7%",
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        "adjudicator": null
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      "falsifier": "Reproduce: divide the sum of indemnity_amount by the sum of total_premium_amount for state FL, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."
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      "name": "Nursery (NVS) is the largest crop insurance commodity in Florida by liability (2026): $886,239,165",
      "text": "By total liability covered, Nursery (NVS) (USDA commodity code 1010) is the largest crop insurance commodity in Florida for 2026 with $886,239,165 in liability across 715 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": {
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        "value": "Nursery (NVS): $886,239,165 liability, 715 policies (2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: sum liability_amount by commodity for state FL, year 2026 in the USDA RMA SoB. The commodity with the highest total liability should match. Falsified if a different commodity ranks first."
    },
    {
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      "@type": "schema:Claim",
      "name": "What this crop insurance profile is — and is NOT — for Florida (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.",
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      "reviewStatus": "current",
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      "epistemicStatus": {
        "occurred": false,
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      "grounding": {
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        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/fl",
        "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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  "hasPart": [
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      "name": "Florida — crop insurance summary (2026)",
      "numberOfItems": 9,
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        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Metric": "Policies sold",
            "Value": "19,161",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Metric": "Policies indemnified",
            "Value": "4,489",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Total liability covered",
            "Value": "$3,682,258,878",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Total premium",
            "Value": "$343,692,775",
            "Warrant": "AGGREGATED"
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          "position": 5,
          "item": {
            "Metric": "Government subsidy",
            "Value": "$208,337,645",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Indemnities paid",
            "Value": "$267,190,891",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Loss ratio",
            "Value": "77.7%",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Metric": "Commodities insured",
            "Value": "37",
            "Warrant": "AGGREGATED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Metric": "Counties with coverage",
            "Value": "67",
            "Warrant": "AGGREGATED"
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        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "Florida — top 30 crops by liability (2026)",
      "numberOfItems": 30,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Commodity": "Nursery (NVS) (1010)",
            "Total liability": "$886,239,165",
            "Policies sold": "715",
            "Loss ratio": "85.6%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Commodity": "Orange Trees (0207)",
            "Total liability": "$808,680,881",
            "Policies sold": "931",
            "Loss ratio": "33.9%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "Commodity": "Pasture,Rangeland,Forage (0088)",
            "Total liability": "$563,241,070",
            "Policies sold": "3,283",
            "Loss ratio": "80.7%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "Commodity": "All Other Crops (9999)",
            "Total liability": "$534,345,976",
            "Policies sold": "1,190",
            "Loss ratio": "35.5%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "Commodity": "Oranges (0227)",
            "Total liability": "$197,409,279",
            "Policies sold": "1,214",
            "Loss ratio": "188.9%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "Commodity": "Strawberries (0154)",
            "Total liability": "$116,676,781",
            "Policies sold": "138",
            "Loss ratio": "8.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Commodity": "Fresh Market Tomatoes (0086)",
            "Total liability": "$80,350,285",
            "Policies sold": "866",
            "Loss ratio": "101.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Commodity": "Apiculture (1191)",
            "Total liability": "$74,707,038",
            "Policies sold": "1,265",
            "Loss ratio": "71.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Commodity": "Whole Farm Revenue Protection (0076)",
            "Total liability": "$66,321,899",
            "Policies sold": "69",
            "Loss ratio": "8.4%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "Commodity": "Grapefruit Trees (0208)",
            "Total liability": "$62,549,502",
            "Policies sold": "150",
            "Loss ratio": "24.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "Commodity": "Peppers (0083)",
            "Total liability": "$48,802,943",
            "Policies sold": "759",
            "Loss ratio": "111.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 12,
          "item": {
            "Commodity": "Potatoes (0084)",
            "Total liability": "$48,162,339",
            "Policies sold": "104",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 13,
          "item": {
            "Commodity": "Avocado Trees (0212)",
            "Total liability": "$37,250,864",
            "Policies sold": "81",
            "Loss ratio": "15.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 14,
          "item": {
            "Commodity": "All Other Citrus Trees (0211)",
            "Total liability": "$32,006,236",
            "Policies sold": "149",
            "Loss ratio": "7.2%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 15,
          "item": {
            "Commodity": "Fresh Market Sweet Corn (0044)",
            "Total liability": "$30,152,973",
            "Policies sold": "92",
            "Loss ratio": "53.4%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 16,
          "item": {
            "Commodity": "Blueberries (0012)",
            "Total liability": "$25,396,723",
            "Policies sold": "133",
            "Loss ratio": "198.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 17,
          "item": {
            "Commodity": "Grapefruit (0201)",
            "Total liability": "$22,118,246",
            "Policies sold": "138",
            "Loss ratio": "73.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 18,
          "item": {
            "Commodity": "Lemon Trees (0209)",
            "Total liability": "$19,454,469",
            "Policies sold": "27",
            "Loss ratio": "12.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 19,
          "item": {
            "Commodity": "Mandarins/Tangerines (0309)",
            "Total liability": "$6,587,726",
            "Policies sold": "111",
            "Loss ratio": "19.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 20,
          "item": {
            "Commodity": "Avocados (0019)",
            "Total liability": "$6,473,412",
            "Policies sold": "30",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 21,
          "item": {
            "Commodity": "Lemons (0202)",
            "Total liability": "$3,798,447",
            "Policies sold": "34",
            "Loss ratio": "2.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 22,
          "item": {
            "Commodity": "Corn (0041)",
            "Total liability": "$2,319,458",
            "Policies sold": "1,708",
            "Loss ratio": "6.4%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 23,
          "item": {
            "Commodity": "Cabbage (0072)",
            "Total liability": "$2,133,263",
            "Policies sold": "6",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 24,
          "item": {
            "Commodity": "Peanuts (0075)",
            "Total liability": "$1,471,430",
            "Policies sold": "2,172",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 25,
          "item": {
            "Commodity": "Carambola Trees (0213)",
            "Total liability": "$1,048,181",
            "Policies sold": "4",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 26,
          "item": {
            "Commodity": "Cotton (0021)",
            "Total liability": "$1,018,197",
            "Policies sold": "1,799",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 27,
          "item": {
            "Commodity": "Sugarcane (0038)",
            "Total liability": "$929,430",
            "Policies sold": "148",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 28,
          "item": {
            "Commodity": "Tangelos (0203)",
            "Total liability": "$887,762",
            "Policies sold": "37",
            "Loss ratio": "106.5%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 29,
          "item": {
            "Commodity": "Mango Trees (0214)",
            "Total liability": "$750,463",
            "Policies sold": "18",
            "Loss ratio": "106.5%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 30,
          "item": {
            "Commodity": "Flue Cured Tobacco (0229)",
            "Total liability": "$516,523",
            "Policies sold": "42",
            "Loss ratio": "0.0%"
          }
        }
      ]
    }
  ]
}