name = "Crop insurance — Maryland (2026) — USDA RMA Summary of Business"
description = "USDA RMA crop insurance for Maryland (2026): 7,911 policies sold, $110,941,752 total liability, $6,801,204 total premium, $416,738 indemnities paid, loss ratio 6.1%. 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/md.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/md/state-identity"
warrant = "RECORDED"
name = "Maryland had 7,911 crop insurance policies sold in 2026 across 15 commodities"
text = "The USDA Risk Management Agency Summary of Business records 7,911 crop insurance policies sold in Maryland (MD) for 2026, covering 15 commodities across 24 counties. Total liability covered: $110,941,752. Total premium: $6,801,204 (including $4,775,154 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 MD, 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/md/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in Maryland for 2026: $6,801,204 total, $4,775,154 subsidized"
text = "Atlas Commons sums $6,801,204 in total premium and $4,775,154 in government subsidy for crop insurance in Maryland 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 MD, year 2026 from the USDA RMA SoB. Falsified if the totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/md/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in Maryland for 2026: $416,738"
text = "Atlas Commons sums $416,738 in crop insurance indemnities (claims paid) in Maryland for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 43 of 7,911 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 MD, year 2026 from the USDA RMA SoB. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/md/loss-ratio"
warrant = "DERIVED"
name = "Maryland crop insurance loss ratio for 2026: 6.1%"
text = "Atlas Commons computes Maryland's crop insurance loss ratio for 2026 as 6.1% (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 MD, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/md/top-commodity"
warrant = "DERIVED"
name = "All Other Crops is the largest crop insurance commodity in Maryland by liability (2026): $49,262,478"
text = "By total liability covered, All Other Crops (USDA commodity code 9999) is the largest crop insurance commodity in Maryland for 2026 with $49,262,478 in liability across 323 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 MD, 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/md/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for Maryland (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/md"
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 = "7,911"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "43"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$110,941,752"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$6,801,204"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$4,775,154"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$416,738"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "6.1%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "15"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "24"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$49,262,478"
Policies_sold = "323"
Loss_ratio = "17.8%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$21,399,695"
Policies_sold = "1,096"
Loss_ratio = "1.5%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$19,836,177"
Policies_sold = "2,819"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$9,005,804"
Policies_sold = "2,504"
Loss_ratio = "0.3%"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$3,132,670"
Policies_sold = "4"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Apples (0054)"
Total_liability = "$2,791,967"
Policies_sold = "12"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$2,494,807"
Policies_sold = "463"
Loss_ratio = "35.8%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$1,967,564"
Policies_sold = "27"
Loss_ratio = "20.8%"

[[top-commodities]]
Commodity = "Peaches (0034)"
Total_liability = "$383,745"
Policies_sold = "8"
Loss_ratio = "373.0%"

[[top-commodities]]
Commodity = "Sweet Corn (0042)"
Total_liability = "$382,103"
Policies_sold = "85"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Green Peas (0064)"
Total_liability = "$254,456"
Policies_sold = "60"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Grain Sorghum (0051)"
Total_liability = "$30,286"
Policies_sold = "378"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cucumbers (0132)"
Total_liability = "$0"
Policies_sold = "15"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Processing Beans (0046)"
Total_liability = "$0"
Policies_sold = "106"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$0"
Policies_sold = "11"
Loss_ratio = "—"
