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

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

USDA RMA crop insurance for Hawaii (2026): 235 policies sold, $169,367,844 total liability, $3,650,532 total premium, $209,940 indemnities paid, loss ratio 5.8%. Top crop: All Other Crops. Atlas Commons aggregation over USDA RMA SoB. CC0.

## Claims

### Hawaii had 235 crop insurance policies sold in 2026 across 8 commodities

**RECORDED.** The USDA Risk Management Agency Summary of Business records 235 crop insurance policies sold in Hawaii (HI) for 2026, covering 8 commodities across 3 counties. Total liability covered: $169,367,844. Total premium: $3,650,532 (including $2,132,010 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 HI, year 2026. Falsified if the sum of all policies sold, liability, or premium differs.

### Crop insurance premium in Hawaii for 2026: $3,650,532 total, $2,132,010 subsidized

**DERIVED.** Atlas Commons sums $3,650,532 in total premium and $2,132,010 in government subsidy for crop insurance in Hawaii 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 HI, year 2026 from the USDA RMA SoB. Falsified if the totals differ.

### Crop insurance indemnities paid in Hawaii for 2026: $209,940

**DERIVED.** Atlas Commons sums $209,940 in crop insurance indemnities (claims paid) in Hawaii for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 5 of 235 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 HI, year 2026 from the USDA RMA SoB. Falsified if the total differs.

### Hawaii crop insurance loss ratio for 2026: 5.8%

**DERIVED.** Atlas Commons computes Hawaii's crop insurance loss ratio for 2026 as 5.8% (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 HI, year 2026 in the USDA RMA SoB. Falsified if the ratio differs.

### All Other Crops is the largest crop insurance commodity in Hawaii by liability (2026): $65,856,581

**DERIVED.** By total liability covered, All Other Crops (USDA commodity code 9999) is the largest crop insurance commodity in Hawaii for 2026 with $65,856,581 in liability across 33 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 HI, 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 Hawaii (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/hi
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/hi.jsonld`

## Data

### Hawaii — 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 | 235 | AGGREGATED |
| Policies indemnified | 5 | AGGREGATED |
| Total liability covered | $169,367,844 | AGGREGATED |
| Total premium | $3,650,532 | AGGREGATED |
| Government subsidy | $2,132,010 | AGGREGATED |
| Indemnities paid | $209,940 | AGGREGATED |
| Loss ratio | 5.8% | AGGREGATED |
| Commodities insured | 8 | AGGREGATED |
| Counties with coverage | 3 | AGGREGATED |

### Hawaii — top 8 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 |
| --- | --- | --- | --- |
| All Other Crops (9999) | $65,856,581 | 33 | 16.4% |
| Macadamia Trees (0024) | $54,776,774 | 14 | 0.0% |
| Coffee Tree (0266) | $22,306,485 | 49 | 0.0% |
| Coffee (0256) | $7,472,802 | 83 | 0.0% |
| Nursery (NVS) (1010) | $6,972,670 | 7 | 0.0% |
| Pasture,Rangeland,Forage (0088) | $6,441,489 | 21 | 2.9% |
| Papaya (0257) | $3,008,943 | 9 | 3.9% |
| Papaya Tree (0267) | $2,532,100 | 19 | 0.0% |