name = "Crop insurance — Kentucky (2026) — USDA RMA Summary of Business"
description = "USDA RMA crop insurance for Kentucky (2026): 38,318 policies sold, $371,350,057 total liability, $41,157,351 total premium, $2,172,734 indemnities paid, loss ratio 5.3%. Top crop: Corn. Atlas Commons aggregation over USDA RMA SoB. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ky.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ky/state-identity"
warrant = "RECORDED"
name = "Kentucky had 38,318 crop insurance policies sold in 2026 across 13 commodities"
text = "The USDA Risk Management Agency Summary of Business records 38,318 crop insurance policies sold in Kentucky (KY) for 2026, covering 13 commodities across 103 counties. Total liability covered: $371,350,057. Total premium: $41,157,351 (including $30,289,873 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 KY, 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/ky/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in Kentucky for 2026: $41,157,351 total, $30,289,873 subsidized"
text = "Atlas Commons sums $41,157,351 in total premium and $30,289,873 in government subsidy for crop insurance in Kentucky 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 KY, year 2026 from the USDA RMA SoB. Falsified if the totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ky/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in Kentucky for 2026: $2,172,734"
text = "Atlas Commons sums $2,172,734 in crop insurance indemnities (claims paid) in Kentucky for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 351 of 38,318 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 KY, year 2026 from the USDA RMA SoB. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ky/loss-ratio"
warrant = "DERIVED"
name = "Kentucky crop insurance loss ratio for 2026: 5.3%"
text = "Atlas Commons computes Kentucky's crop insurance loss ratio for 2026 as 5.3% (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 KY, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ky/top-commodity"
warrant = "DERIVED"
name = "Corn is the largest crop insurance commodity in Kentucky by liability (2026): $121,595,414"
text = "By total liability covered, Corn (USDA commodity code 0041) is the largest crop insurance commodity in Kentucky for 2026 with $121,595,414 in liability across 14,012 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 KY, 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/ky/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for Kentucky (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/ky"
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 = "38,318"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "351"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$371,350,057"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$41,157,351"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$30,289,873"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$2,172,734"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "5.3%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "13"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "103"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$121,595,414"
Policies_sold = "14,012"
Loss_ratio = "0.1%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$106,417,779"
Policies_sold = "3,684"
Loss_ratio = "5.4%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$93,416,347"
Policies_sold = "14,372"
Loss_ratio = "0.6%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$20,714,111"
Policies_sold = "514"
Loss_ratio = "36.1%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$17,983,984"
Policies_sold = "1,230"
Loss_ratio = "8.3%"

[[top-commodities]]
Commodity = "Canola (0015)"
Total_liability = "$9,872,448"
Policies_sold = "326"
Loss_ratio = "23.1%"

[[top-commodities]]
Commodity = "Burley Tobacco (0231)"
Total_liability = "$797,775"
Policies_sold = "2,161"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Fire Cured Tobacco (0230)"
Total_liability = "$347,818"
Policies_sold = "577"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Dark Air Tobacco (0233)"
Total_liability = "$114,269"
Policies_sold = "861"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$90,112"
Policies_sold = "83"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Grain Sorghum (0051)"
Total_liability = "$0"
Policies_sold = "426"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Hemp (1218)"
Total_liability = "$0"
Policies_sold = "21"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Popcorn (0043)"
Total_liability = "$0"
Policies_sold = "51"
Loss_ratio = "—"
