name = "Crop insurance — Hawaii (2026) — USDA RMA Summary of Business"
description = "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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/hi.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/hi/state-identity"
warrant = "RECORDED"
name = "Hawaii had 235 crop insurance policies sold in 2026 across 8 commodities"
text = "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"
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 HI, 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/hi/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in Hawaii for 2026: $3,650,532 total, $2,132,010 subsidized"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/hi/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in Hawaii for 2026: $209,940"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/hi/loss-ratio"
warrant = "DERIVED"
name = "Hawaii crop insurance loss ratio for 2026: 5.8%"
text = "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)"
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 HI, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/hi/top-commodity"
warrant = "DERIVED"
name = "All Other Crops is the largest crop insurance commodity in Hawaii by liability (2026): $65,856,581"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/hi/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for Hawaii (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/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."

[[crop-summary]]
Metric = "Policies sold"
Value = "235"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "5"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$169,367,844"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$3,650,532"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$2,132,010"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$209,940"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "5.8%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "8"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "3"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$65,856,581"
Policies_sold = "33"
Loss_ratio = "16.4%"

[[top-commodities]]
Commodity = "Macadamia Trees (0024)"
Total_liability = "$54,776,774"
Policies_sold = "14"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Coffee Tree (0266)"
Total_liability = "$22,306,485"
Policies_sold = "49"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Coffee (0256)"
Total_liability = "$7,472,802"
Policies_sold = "83"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Nursery (NVS) (1010)"
Total_liability = "$6,972,670"
Policies_sold = "7"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$6,441,489"
Policies_sold = "21"
Loss_ratio = "2.9%"

[[top-commodities]]
Commodity = "Papaya (0257)"
Total_liability = "$3,008,943"
Policies_sold = "9"
Loss_ratio = "3.9%"

[[top-commodities]]
Commodity = "Papaya Tree (0267)"
Total_liability = "$2,532,100"
Policies_sold = "19"
Loss_ratio = "0.0%"
