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  "@type": "schema:Dataset",
  "name": "Crop insurance — Montana (2026) — USDA RMA Summary of Business",
  "description": "USDA RMA crop insurance for Montana (2026): 48,343 policies sold, $998,997,689 total liability, $178,211,230 total premium, $17,896,064 indemnities paid, loss ratio 10.0%. Top crop: Wheat. Atlas Commons aggregation over USDA RMA SoB. CC0.",
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    "name": "Montana",
    "identifier": "MT",
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      "@type": "schema:Claim",
      "name": "Montana had 48,343 crop insurance policies sold in 2026 across 25 commodities",
      "text": "The USDA Risk Management Agency Summary of Business records 48,343 crop insurance policies sold in Montana (MT) for 2026, covering 25 commodities across 56 counties. Total liability covered: $998,997,689. Total premium: $178,211,230 (including $119,516,734 in government subsidy). This is a verbatim USDA RMA figure summed across all crops, plans, and counties.",
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        "value": "48,343 policies, $998,997,689 liability (Montana, 2026)",
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      "falsifier": "Verify at the USDA RMA Summary of Business (https://www.rma.usda.gov/data/sob) for state MT, year 2026. Falsified if the sum of all policies sold, liability, or premium differs."
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      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt/total-premium",
      "@type": "schema:Claim",
      "name": "Crop insurance premium in Montana for 2026: $178,211,230 total, $119,516,734 subsidized",
      "text": "Atlas Commons sums $178,211,230 in total premium and $119,516,734 in government subsidy for crop insurance in Montana 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.",
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        "source": "USDA Risk Management Agency Summary of Business (Atlas Commons aggregation)",
        "sourceUrl": "https://www.rma.usda.gov/data/sob",
        "value": "$178,211,230 total premium, $119,516,734 subsidy (2026)",
        "adjudicator": null
      },
      "falsifier": "Sum all total_premium_amount and subsidy_amount values for state MT, year 2026 from the USDA RMA SoB. Falsified if the totals differ."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt/indemnity-payout",
      "@type": "schema:Claim",
      "name": "Crop insurance indemnities paid in Montana for 2026: $17,896,064",
      "text": "Atlas Commons sums $17,896,064 in crop insurance indemnities (claims paid) in Montana for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 1,064 of 48,343 policies received an indemnity payment.",
      "claimType": "aggregated_fact",
      "reviewStatus": "correction_open",
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      "epistemicStatus": {
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        "value": "$17,896,064 indemnities paid, 1,064 policies indemnified (2026)",
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      "falsifier": "Sum all indemnity_amount values for state MT, year 2026 from the USDA RMA SoB. Falsified if the total differs."
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      "name": "Montana crop insurance loss ratio for 2026: 10.0%",
      "text": "Atlas Commons computes Montana's crop insurance loss ratio for 2026 as 10.0% (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.",
      "claimType": "aggregated_fact",
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        "source": "USDA Risk Management Agency Summary of Business (Atlas Commons aggregation — indemnity / total_premium × 100)",
        "sourceUrl": "https://www.rma.usda.gov/data/sob",
        "value": "10.0% loss ratio (Montana, 2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: divide the sum of indemnity_amount by the sum of total_premium_amount for state MT, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt/top-commodity",
      "@type": "schema:Claim",
      "name": "Wheat is the largest crop insurance commodity in Montana by liability (2026): $511,196,556",
      "text": "By total liability covered, Wheat (USDA commodity code 0011) is the largest crop insurance commodity in Montana for 2026 with $511,196,556 in liability across 10,960 policies. This is Atlas Commons's ranking of the USDA RMA SoB figures; USDA does not publish a per-state commodity ranking.",
      "claimType": "aggregated_fact",
      "reviewStatus": "correction_open",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": false,
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      "grounding": {
        "groundingType": "Aggregation",
        "source": "USDA Risk Management Agency Summary of Business (Atlas Commons aggregation)",
        "sourceUrl": "https://www.rma.usda.gov/data/sob",
        "value": "Wheat: $511,196,556 liability, 10,960 policies (2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: sum liability_amount by commodity for state MT, year 2026 in the USDA RMA SoB. The commodity with the highest total liability should match. Falsified if a different commodity ranks first."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt/boundary",
      "@type": "schema:Claim",
      "name": "What this crop insurance profile is — and is NOT — for Montana (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.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
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      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas framing (over the USDA RMA sources cited above)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt",
        "value": "State-aggregate sums (AGGREGATED) + loss ratio (AGGREGATED); NOT actuarial analysis",
        "adjudicator": null
      },
      "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."
    }
  ],
  "hasPart": [
    {
      "@type": "schema:ItemList",
      "name": "Montana — crop insurance summary (2026)",
      "numberOfItems": 9,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Metric": "Policies sold",
            "Value": "48,343",
            "Warrant": "AGGREGATED"
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        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Metric": "Policies indemnified",
            "Value": "1,064",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "Metric": "Total liability covered",
            "Value": "$998,997,689",
            "Warrant": "AGGREGATED"
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          "position": 4,
          "item": {
            "Metric": "Total premium",
            "Value": "$178,211,230",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "Metric": "Government subsidy",
            "Value": "$119,516,734",
            "Warrant": "AGGREGATED"
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          "position": 6,
          "item": {
            "Metric": "Indemnities paid",
            "Value": "$17,896,064",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Metric": "Loss ratio",
            "Value": "10.0%",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Metric": "Commodities insured",
            "Value": "25",
            "Warrant": "AGGREGATED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Metric": "Counties with coverage",
            "Value": "56",
            "Warrant": "AGGREGATED"
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "Montana — top 25 crops by liability (2026)",
      "numberOfItems": 25,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Commodity": "Wheat (0011)",
            "Total liability": "$511,196,556",
            "Policies sold": "10,960",
            "Loss ratio": "3.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Commodity": "Pasture,Rangeland,Forage (0088)",
            "Total liability": "$201,528,973",
            "Policies sold": "1,536",
            "Loss ratio": "29.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "Commodity": "Dry Peas (0067)",
            "Total liability": "$84,265,418",
            "Policies sold": "7,804",
            "Loss ratio": "0.2%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "Commodity": "All Other Crops (9999)",
            "Total liability": "$49,843,133",
            "Policies sold": "475",
            "Loss ratio": "13.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "Commodity": "Forage Production (0033)",
            "Total liability": "$45,752,882",
            "Policies sold": "1,372",
            "Loss ratio": "16.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "Commodity": "Barley (0091)",
            "Total liability": "$40,626,920",
            "Policies sold": "8,194",
            "Loss ratio": "0.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Commodity": "Sugar Beets (0039)",
            "Total liability": "$16,453,086",
            "Policies sold": "265",
            "Loss ratio": "34.8%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Commodity": "Canola (0015)",
            "Total liability": "$10,868,112",
            "Policies sold": "4,353",
            "Loss ratio": "4.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Commodity": "Apiculture (1191)",
            "Total liability": "$10,307,129",
            "Policies sold": "96",
            "Loss ratio": "37.9%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "Commodity": "Flax (0031)",
            "Total liability": "$6,425,127",
            "Policies sold": "2,872",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "Commodity": "Corn (0041)",
            "Total liability": "$6,091,805",
            "Policies sold": "938",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 12,
          "item": {
            "Commodity": "Mustard (0069)",
            "Total liability": "$3,223,078",
            "Policies sold": "2,217",
            "Loss ratio": "5.6%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 13,
          "item": {
            "Commodity": "Soybeans (0081)",
            "Total liability": "$3,028,658",
            "Policies sold": "406",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 14,
          "item": {
            "Commodity": "Potatoes (0084)",
            "Total liability": "$2,647,399",
            "Policies sold": "26",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 15,
          "item": {
            "Commodity": "Oats (0016)",
            "Total liability": "$1,712,774",
            "Policies sold": "2,781",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 16,
          "item": {
            "Commodity": "Safflower (0049)",
            "Total liability": "$1,245,045",
            "Policies sold": "1,587",
            "Loss ratio": "0.5%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 17,
          "item": {
            "Commodity": "Cherries (0057)",
            "Total liability": "$1,179,470",
            "Policies sold": "54",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 18,
          "item": {
            "Commodity": "Alfalfa Seed (0107)",
            "Total liability": "$1,004,057",
            "Policies sold": "16",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 19,
          "item": {
            "Commodity": "Forage Seeding (0032)",
            "Total liability": "$467,061",
            "Policies sold": "591",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 20,
          "item": {
            "Commodity": "Camelina (0333)",
            "Total liability": "$441,221",
            "Policies sold": "1,035",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 21,
          "item": {
            "Commodity": "Triticale (0158)",
            "Total liability": "$356,133",
            "Policies sold": "330",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 22,
          "item": {
            "Commodity": "Dry Beans (0047)",
            "Total liability": "$291,366",
            "Policies sold": "167",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 23,
          "item": {
            "Commodity": "Hemp (1218)",
            "Total liability": "$42,286",
            "Policies sold": "55",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 24,
          "item": {
            "Commodity": "Sunflowers (0078)",
            "Total liability": "$0",
            "Policies sold": "183",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 25,
          "item": {
            "Commodity": "Buckwheat (0114)",
            "Total liability": "$0",
            "Policies sold": "30",
            "Loss ratio": "—"
          }
        }
      ]
    }
  ]
}