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

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

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.

## Claims

### Florida had 19,161 crop insurance policies sold in 2026 across 37 commodities

**RECORDED.** 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.

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

### Crop insurance premium in Florida for 2026: $343,692,775 total, $208,337,645 subsidized

**DERIVED.** 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.

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

### Crop insurance indemnities paid in Florida for 2026: $267,190,891

**DERIVED.** 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.

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

### Florida crop insurance loss ratio for 2026: 77.7%

**DERIVED.** Atlas Commons computes Florida's crop insurance loss ratio for 2026 as 77.7% (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 FL, year 2026 in the USDA RMA SoB. Falsified if the ratio differs.

### Nursery (NVS) is the largest crop insurance commodity in Florida by liability (2026): $886,239,165

**DERIVED.** 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.

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 FL, 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 Florida (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/fl
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/fl.jsonld`

## Data

### Florida — 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 | 19,161 | AGGREGATED |
| Policies indemnified | 4,489 | AGGREGATED |
| Total liability covered | $3,682,258,878 | AGGREGATED |
| Total premium | $343,692,775 | AGGREGATED |
| Government subsidy | $208,337,645 | AGGREGATED |
| Indemnities paid | $267,190,891 | AGGREGATED |
| Loss ratio | 77.7% | AGGREGATED |
| Commodities insured | 37 | AGGREGATED |
| Counties with coverage | 67 | AGGREGATED |

### Florida — 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 |
| --- | --- | --- | --- |
| Nursery (NVS) (1010) | $886,239,165 | 715 | 85.6% |
| Orange Trees (0207) | $808,680,881 | 931 | 33.9% |
| Pasture,Rangeland,Forage (0088) | $563,241,070 | 3,283 | 80.7% |
| All Other Crops (9999) | $534,345,976 | 1,190 | 35.5% |
| Oranges (0227) | $197,409,279 | 1,214 | 188.9% |
| Strawberries (0154) | $116,676,781 | 138 | 8.0% |
| Fresh Market Tomatoes (0086) | $80,350,285 | 866 | 101.8% |
| Apiculture (1191) | $74,707,038 | 1,265 | 71.1% |
| Whole Farm Revenue Protection (0076) | $66,321,899 | 69 | 8.4% |
| Grapefruit Trees (0208) | $62,549,502 | 150 | 24.3% |
| Peppers (0083) | $48,802,943 | 759 | 111.3% |
| Potatoes (0084) | $48,162,339 | 104 | 0.0% |
| Avocado Trees (0212) | $37,250,864 | 81 | 15.3% |
| All Other Citrus Trees (0211) | $32,006,236 | 149 | 7.2% |
| Fresh Market Sweet Corn (0044) | $30,152,973 | 92 | 53.4% |
| Blueberries (0012) | $25,396,723 | 133 | 198.8% |
| Grapefruit (0201) | $22,118,246 | 138 | 73.0% |
| Lemon Trees (0209) | $19,454,469 | 27 | 12.3% |
| Mandarins/Tangerines (0309) | $6,587,726 | 111 | 19.8% |
| Avocados (0019) | $6,473,412 | 30 | 0.0% |
| Lemons (0202) | $3,798,447 | 34 | 2.1% |
| Corn (0041) | $2,319,458 | 1,708 | 6.4% |
| Cabbage (0072) | $2,133,263 | 6 | 0.0% |
| Peanuts (0075) | $1,471,430 | 2,172 | 0.0% |
| Carambola Trees (0213) | $1,048,181 | 4 | 0.0% |
| Cotton (0021) | $1,018,197 | 1,799 | 0.0% |
| Sugarcane (0038) | $929,430 | 148 | 0.0% |
| Tangelos (0203) | $887,762 | 37 | 106.5% |
| Mango Trees (0214) | $750,463 | 18 | 106.5% |
| Flue Cured Tobacco (0229) | $516,523 | 42 | 0.0% |