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

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

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

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/fl/loss-ratio"
warrant = "DERIVED"
name = "Florida crop insurance loss ratio for 2026: 77.7%"
text = "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)"
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 FL, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

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

[[crop-summary]]
Metric = "Policies sold"
Value = "19,161"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "4,489"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$3,682,258,878"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$343,692,775"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$208,337,645"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$267,190,891"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "77.7%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "37"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "67"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Nursery (NVS) (1010)"
Total_liability = "$886,239,165"
Policies_sold = "715"
Loss_ratio = "85.6%"

[[top-commodities]]
Commodity = "Orange Trees (0207)"
Total_liability = "$808,680,881"
Policies_sold = "931"
Loss_ratio = "33.9%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$563,241,070"
Policies_sold = "3,283"
Loss_ratio = "80.7%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$534,345,976"
Policies_sold = "1,190"
Loss_ratio = "35.5%"

[[top-commodities]]
Commodity = "Oranges (0227)"
Total_liability = "$197,409,279"
Policies_sold = "1,214"
Loss_ratio = "188.9%"

[[top-commodities]]
Commodity = "Strawberries (0154)"
Total_liability = "$116,676,781"
Policies_sold = "138"
Loss_ratio = "8.0%"

[[top-commodities]]
Commodity = "Fresh Market Tomatoes (0086)"
Total_liability = "$80,350,285"
Policies_sold = "866"
Loss_ratio = "101.8%"

[[top-commodities]]
Commodity = "Apiculture (1191)"
Total_liability = "$74,707,038"
Policies_sold = "1,265"
Loss_ratio = "71.1%"

[[top-commodities]]
Commodity = "Whole Farm Revenue Protection (0076)"
Total_liability = "$66,321,899"
Policies_sold = "69"
Loss_ratio = "8.4%"

[[top-commodities]]
Commodity = "Grapefruit Trees (0208)"
Total_liability = "$62,549,502"
Policies_sold = "150"
Loss_ratio = "24.3%"

[[top-commodities]]
Commodity = "Peppers (0083)"
Total_liability = "$48,802,943"
Policies_sold = "759"
Loss_ratio = "111.3%"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$48,162,339"
Policies_sold = "104"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Avocado Trees (0212)"
Total_liability = "$37,250,864"
Policies_sold = "81"
Loss_ratio = "15.3%"

[[top-commodities]]
Commodity = "All Other Citrus Trees (0211)"
Total_liability = "$32,006,236"
Policies_sold = "149"
Loss_ratio = "7.2%"

[[top-commodities]]
Commodity = "Fresh Market Sweet Corn (0044)"
Total_liability = "$30,152,973"
Policies_sold = "92"
Loss_ratio = "53.4%"

[[top-commodities]]
Commodity = "Blueberries (0012)"
Total_liability = "$25,396,723"
Policies_sold = "133"
Loss_ratio = "198.8%"

[[top-commodities]]
Commodity = "Grapefruit (0201)"
Total_liability = "$22,118,246"
Policies_sold = "138"
Loss_ratio = "73.0%"

[[top-commodities]]
Commodity = "Lemon Trees (0209)"
Total_liability = "$19,454,469"
Policies_sold = "27"
Loss_ratio = "12.3%"

[[top-commodities]]
Commodity = "Mandarins/Tangerines (0309)"
Total_liability = "$6,587,726"
Policies_sold = "111"
Loss_ratio = "19.8%"

[[top-commodities]]
Commodity = "Avocados (0019)"
Total_liability = "$6,473,412"
Policies_sold = "30"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Lemons (0202)"
Total_liability = "$3,798,447"
Policies_sold = "34"
Loss_ratio = "2.1%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$2,319,458"
Policies_sold = "1,708"
Loss_ratio = "6.4%"

[[top-commodities]]
Commodity = "Cabbage (0072)"
Total_liability = "$2,133,263"
Policies_sold = "6"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Peanuts (0075)"
Total_liability = "$1,471,430"
Policies_sold = "2,172"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Carambola Trees (0213)"
Total_liability = "$1,048,181"
Policies_sold = "4"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cotton (0021)"
Total_liability = "$1,018,197"
Policies_sold = "1,799"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Sugarcane (0038)"
Total_liability = "$929,430"
Policies_sold = "148"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Tangelos (0203)"
Total_liability = "$887,762"
Policies_sold = "37"
Loss_ratio = "106.5%"

[[top-commodities]]
Commodity = "Mango Trees (0214)"
Total_liability = "$750,463"
Policies_sold = "18"
Loss_ratio = "106.5%"

[[top-commodities]]
Commodity = "Flue Cured Tobacco (0229)"
Total_liability = "$516,523"
Policies_sold = "42"
Loss_ratio = "0.0%"
