---
title: Crop insurance — Montana (2026) — USDA RMA Summary of Business
license: CC0-1.0
source: USDA Risk Management Agency Summary of Business
---

# Crop insurance — Montana (2026) — USDA RMA Summary of Business

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.

## Claims

### Montana had 48,343 crop insurance policies sold in 2026 across 25 commodities

**RECORDED.** 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.

Source: USDA Risk Management Agency Summary of Business — 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 MT, year 2026. Falsified if the sum of all policies sold, liability, or premium differs.

### Crop insurance premium in Montana for 2026: $178,211,230 total, $119,516,734 subsidized

**DERIVED.** 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.

Source: USDA Risk Management Agency Summary of Business (Atlas Commons aggregation) — https://www.rma.usda.gov/data/sob
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.

### Crop insurance indemnities paid in Montana for 2026: $17,896,064

**DERIVED.** 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.

Source: USDA Risk Management Agency Summary of Business (Atlas Commons aggregation) — https://www.rma.usda.gov/data/sob
Falsifier: Sum all indemnity_amount values for state MT, year 2026 from the USDA RMA SoB. Falsified if the total differs.

### Montana crop insurance loss ratio for 2026: 10.0%

**DERIVED.** 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.

Source: USDA Risk Management Agency Summary of Business (Atlas Commons aggregation — indemnity / total_premium × 100) — https://www.rma.usda.gov/data/sob
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.

### Wheat is the largest crop insurance commodity in Montana by liability (2026): $511,196,556

**DERIVED.** 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.

Source: USDA Risk Management Agency Summary of Business (Atlas Commons aggregation) — https://www.rma.usda.gov/data/sob
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.

### What this crop insurance profile is — and is NOT — for Montana (2026)

**INTERPRETATION.** 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) — https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt
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.

---

Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt.jsonld`

## Data

### Montana — crop insurance summary (2026)

All dollar amounts and policy counts are AGGREGATED (Atlas Commons sums of USDA RMA published per-crop-per-plan-per-county figures). Loss ratio = indemnity / total premium × 100 (AGGREGATED). Source: USDA RMA Summary of Business.

| Metric | Value | Warrant |
| --- | --- | --- |
| Policies sold | 48,343 | AGGREGATED |
| Policies indemnified | 1,064 | AGGREGATED |
| Total liability covered | $998,997,689 | AGGREGATED |
| Total premium | $178,211,230 | AGGREGATED |
| Government subsidy | $119,516,734 | AGGREGATED |
| Indemnities paid | $17,896,064 | AGGREGATED |
| Loss ratio | 10.0% | AGGREGATED |
| Commodities insured | 25 | AGGREGATED |
| Counties with coverage | 56 | AGGREGATED |

### Montana — top 25 crops by liability (2026)

AGGREGATED: Atlas Commons sums of USDA RMA SoB figures per commodity. Loss ratio per crop = indemnity / premium (AGGREGATED). Sorted by total liability descending.

| Commodity | Total liability | Policies sold | Loss ratio |
| --- | --- | --- | --- |
| Wheat (0011) | $511,196,556 | 10,960 | 3.8% |
| Pasture,Rangeland,Forage (0088) | $201,528,973 | 1,536 | 29.8% |
| Dry Peas (0067) | $84,265,418 | 7,804 | 0.2% |
| All Other Crops (9999) | $49,843,133 | 475 | 13.8% |
| Forage Production (0033) | $45,752,882 | 1,372 | 16.8% |
| Barley (0091) | $40,626,920 | 8,194 | 0.1% |
| Sugar Beets (0039) | $16,453,086 | 265 | 34.8% |
| Canola (0015) | $10,868,112 | 4,353 | 4.1% |
| Apiculture (1191) | $10,307,129 | 96 | 37.9% |
| Flax (0031) | $6,425,127 | 2,872 | 0.0% |
| Corn (0041) | $6,091,805 | 938 | 0.0% |
| Mustard (0069) | $3,223,078 | 2,217 | 5.6% |
| Soybeans (0081) | $3,028,658 | 406 | 0.0% |
| Potatoes (0084) | $2,647,399 | 26 | 0.0% |
| Oats (0016) | $1,712,774 | 2,781 | 0.0% |
| Safflower (0049) | $1,245,045 | 1,587 | 0.5% |
| Cherries (0057) | $1,179,470 | 54 | 0.0% |
| Alfalfa Seed (0107) | $1,004,057 | 16 | 0.0% |
| Forage Seeding (0032) | $467,061 | 591 | 0.0% |
| Camelina (0333) | $441,221 | 1,035 | 0.0% |
| Triticale (0158) | $356,133 | 330 | 0.0% |
| Dry Beans (0047) | $291,366 | 167 | 0.0% |
| Hemp (1218) | $42,286 | 55 | 0.0% |
| Sunflowers (0078) | $0 | 183 | — |
| Buckwheat (0114) | $0 | 30 | — |