Michigan Crop Insurance
USDA RMA Summary of Business — 2026
$712,946,968 in total liability covered across 44,802 policies in 2026
Summary indicators
All figures are AGGREGATED (Atlas Commons sums of USDA RMA per-crop-per-plan-per-county published figures). Loss ratio = indemnity / total premium × 100 (AGGREGATED). Source: USDA RMA Summary of Business.
| Metric | Value | Warrant |
|---|---|---|
| Policies sold | 44,802 | AGGREGATED |
| Policies indemnified | 52 | AGGREGATED |
| Total liability covered | $712,946,968 | AGGREGATED |
| Total premium | $100,289,705 | AGGREGATED |
| Government subsidy | $72,328,041 | AGGREGATED |
| Indemnities paid | $354,734 | AGGREGATED |
| Loss ratio | 0.3% | AGGREGATED |
| Commodities insured | 25 | AGGREGATED |
| Counties with coverage | 72 | AGGREGATED |
Top 25 crops by liability
AGGREGATED: Atlas Commons sums of USDA RMA SoB figures per commodity. Sorted by total liability descending.
| Commodity | Liability | Policies sold | Loss ratio |
|---|---|---|---|
| Apples (0054) | $176,133,385 | 592 | 0.0% |
| Corn (0041) | $134,931,966 | 15,361 | 0.1% |
| Wheat (0011) | $114,907,984 | 7,435 | 1.7% |
| Soybeans (0081) | $110,503,933 | 15,324 | 0.1% |
| All Other Crops (9999) | $55,394,024 | 861 | 0.4% |
| Blueberries (0012) | $36,998,708 | 247 | 0.0% |
| Cherries (0057) | $24,422,248 | 136 | 0.0% |
| Sugar Beets (0039) | $18,068,100 | 1,302 | 0.9% |
| Grapes (0053) | $13,600,642 | 145 | 0.0% |
| Dry Beans (0047) | $7,814,803 | 2,412 | 0.0% |
| Whole Farm Revenue Protection (0076) | $5,420,126 | 13 | 0.0% |
| Pasture,Rangeland,Forage (0088) | $5,162,779 | 55 | 10.4% |
| Peaches (0034) | $4,231,844 | 104 | 0.0% |
| Micro Farm (9110) | $3,246,814 | 41 | 0.0% |
| Forage Production (0033) | $918,346 | 25 | 0.0% |
| Hybrid Corn Seed (0062) | $761,644 | 112 | 0.0% |
| Canola (0015) | $408,890 | 6 | 0.0% |
| Oats (0016) | $20,732 | 384 | 0.0% |
| Cucumbers (0132) | $0 | 127 | — |
| Potatoes (0084) | $0 | 55 | — |
| Processing Beans (0046) | $0 | 29 | — |
| Barley (0091) | $0 | 13 | — |
| Tomatoes (0087) | $0 | 8 | — |
| Cabbage (0072) | $0 | 4 | — |
| Forage Seeding (0032) | $0 | 11 | — |
Frequently asked questions
- How much crop insurance is there in Michigan?
- In 2026, Michigan had 44,802 crop insurance policies sold covering $712,946,968 in total liability. Total premium collected was $100,289,705, including $72,328,041 in government subsidy. Source: USDA RMA Summary of Business (Atlas Commons aggregation).
- What crop has the most crop insurance in Michigan?
- By total liability covered, Apples (USDA commodity code 0054) is the largest crop insurance commodity in Michigan for 2026 with $176,133,385 in liability across 592 policies and a loss ratio of 0.0%. Source: USDA RMA Summary of Business (Atlas Commons aggregation).
- What was the Michigan crop insurance loss ratio in 2026?
- Atlas Commons computes Michigan's crop insurance loss ratio for 2026 as 0.3% (total indemnities paid / total premium × 100). A ratio above 100% means more was paid in claims than collected in premiums. This is an Atlas Commons computation — USDA RMA does not publish a per-state summary loss ratio.
What this is — and isn't
All policy counts and dollar amounts are AGGREGATED — Atlas Commons sums of the USDA RMA Summary of Business per-crop-per-plan-per-county published figures. The loss ratio and commodity ranking are Atlas Commons computations; USDA RMA does not publish per-state summary loss ratios or commodity rankings.
This page is informational only. It describes the scope of federally subsidized crop insurance in Michigan — it is not actuarial analysis, a prediction of future indemnities, or advice on which crops to insure. For crop-specific actuarial data and program participation, use the USDA RMA Cost Estimator and Actuarial Data Master files .
Source: USDA Risk Management Agency Summary of Business (state × county × crop × plan grain). CC0.
Structured facts: /coverage/crop/states/mi.jsonld