name = "Crop insurance — Michigan (2026) — USDA RMA Summary of Business"
description = "USDA RMA crop insurance for Michigan (2026): 44,802 policies sold, $712,946,968 total liability, $100,289,705 total premium, $354,734 indemnities paid, loss ratio 0.3%. Top crop: Apples. Atlas Commons aggregation over USDA RMA SoB. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mi.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mi/state-identity"
warrant = "RECORDED"
name = "Michigan had 44,802 crop insurance policies sold in 2026 across 25 commodities"
text = "The USDA Risk Management Agency Summary of Business records 44,802 crop insurance policies sold in Michigan (MI) for 2026, covering 25 commodities across 72 counties. Total liability covered: $712,946,968. Total premium: $100,289,705 (including $72,328,041 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 MI, 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/mi/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in Michigan for 2026: $100,289,705 total, $72,328,041 subsidized"
text = "Atlas Commons sums $100,289,705 in total premium and $72,328,041 in government subsidy for crop insurance in Michigan 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 MI, year 2026 from the USDA RMA SoB. Falsified if the totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mi/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in Michigan for 2026: $354,734"
text = "Atlas Commons sums $354,734 in crop insurance indemnities (claims paid) in Michigan for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 52 of 44,802 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 MI, year 2026 from the USDA RMA SoB. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mi/loss-ratio"
warrant = "DERIVED"
name = "Michigan crop insurance loss ratio for 2026: 0.3%"
text = "Atlas Commons computes Michigan's crop insurance loss ratio for 2026 as 0.3% (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 MI, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mi/top-commodity"
warrant = "DERIVED"
name = "Apples is the largest crop insurance commodity in Michigan by liability (2026): $176,133,385"
text = "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. 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 MI, 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/mi/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for Michigan (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/mi"
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 = "44,802"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "52"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$712,946,968"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$100,289,705"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$72,328,041"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$354,734"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "0.3%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "25"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "72"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Apples (0054)"
Total_liability = "$176,133,385"
Policies_sold = "592"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$134,931,966"
Policies_sold = "15,361"
Loss_ratio = "0.1%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$114,907,984"
Policies_sold = "7,435"
Loss_ratio = "1.7%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$110,503,933"
Policies_sold = "15,324"
Loss_ratio = "0.1%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$55,394,024"
Policies_sold = "861"
Loss_ratio = "0.4%"

[[top-commodities]]
Commodity = "Blueberries (0012)"
Total_liability = "$36,998,708"
Policies_sold = "247"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cherries (0057)"
Total_liability = "$24,422,248"
Policies_sold = "136"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Sugar Beets (0039)"
Total_liability = "$18,068,100"
Policies_sold = "1,302"
Loss_ratio = "0.9%"

[[top-commodities]]
Commodity = "Grapes (0053)"
Total_liability = "$13,600,642"
Policies_sold = "145"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Dry Beans (0047)"
Total_liability = "$7,814,803"
Policies_sold = "2,412"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Whole Farm Revenue Protection (0076)"
Total_liability = "$5,420,126"
Policies_sold = "13"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$5,162,779"
Policies_sold = "55"
Loss_ratio = "10.4%"

[[top-commodities]]
Commodity = "Peaches (0034)"
Total_liability = "$4,231,844"
Policies_sold = "104"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Micro Farm (9110)"
Total_liability = "$3,246,814"
Policies_sold = "41"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Forage Production (0033)"
Total_liability = "$918,346"
Policies_sold = "25"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Hybrid Corn Seed (0062)"
Total_liability = "$761,644"
Policies_sold = "112"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Canola (0015)"
Total_liability = "$408,890"
Policies_sold = "6"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$20,732"
Policies_sold = "384"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cucumbers (0132)"
Total_liability = "$0"
Policies_sold = "127"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$0"
Policies_sold = "55"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Processing Beans (0046)"
Total_liability = "$0"
Policies_sold = "29"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$0"
Policies_sold = "13"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Tomatoes (0087)"
Total_liability = "$0"
Policies_sold = "8"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Cabbage (0072)"
Total_liability = "$0"
Policies_sold = "4"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Forage Seeding (0032)"
Total_liability = "$0"
Policies_sold = "11"
Loss_ratio = "—"
