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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt/state-identity"
warrant = "RECORDED"
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."
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 MT, 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/mt/total-premium"
warrant = "DERIVED"
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."
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 MT, year 2026 from the USDA RMA SoB. Falsified if the totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt/indemnity-payout"
warrant = "DERIVED"
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."
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 MT, year 2026 from the USDA RMA SoB. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt/loss-ratio"
warrant = "DERIVED"
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."
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 MT, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/mt/top-commodity"
warrant = "DERIVED"
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."
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 MT, 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/mt/boundary"
warrant = "INTERPRETATION"
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."
source = "Coverage Atlas framing (over the USDA RMA sources cited above)"
sourceUrl = "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."

[[crop-summary]]
Metric = "Policies sold"
Value = "48,343"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "1,064"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$998,997,689"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$178,211,230"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$119,516,734"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$17,896,064"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "10.0%"
Warrant = "AGGREGATED"

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

[[crop-summary]]
Metric = "Counties with coverage"
Value = "56"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$511,196,556"
Policies_sold = "10,960"
Loss_ratio = "3.8%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$201,528,973"
Policies_sold = "1,536"
Loss_ratio = "29.8%"

[[top-commodities]]
Commodity = "Dry Peas (0067)"
Total_liability = "$84,265,418"
Policies_sold = "7,804"
Loss_ratio = "0.2%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$49,843,133"
Policies_sold = "475"
Loss_ratio = "13.8%"

[[top-commodities]]
Commodity = "Forage Production (0033)"
Total_liability = "$45,752,882"
Policies_sold = "1,372"
Loss_ratio = "16.8%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$40,626,920"
Policies_sold = "8,194"
Loss_ratio = "0.1%"

[[top-commodities]]
Commodity = "Sugar Beets (0039)"
Total_liability = "$16,453,086"
Policies_sold = "265"
Loss_ratio = "34.8%"

[[top-commodities]]
Commodity = "Canola (0015)"
Total_liability = "$10,868,112"
Policies_sold = "4,353"
Loss_ratio = "4.1%"

[[top-commodities]]
Commodity = "Apiculture (1191)"
Total_liability = "$10,307,129"
Policies_sold = "96"
Loss_ratio = "37.9%"

[[top-commodities]]
Commodity = "Flax (0031)"
Total_liability = "$6,425,127"
Policies_sold = "2,872"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$6,091,805"
Policies_sold = "938"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Mustard (0069)"
Total_liability = "$3,223,078"
Policies_sold = "2,217"
Loss_ratio = "5.6%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$3,028,658"
Policies_sold = "406"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$2,647,399"
Policies_sold = "26"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$1,712,774"
Policies_sold = "2,781"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Safflower (0049)"
Total_liability = "$1,245,045"
Policies_sold = "1,587"
Loss_ratio = "0.5%"

[[top-commodities]]
Commodity = "Cherries (0057)"
Total_liability = "$1,179,470"
Policies_sold = "54"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Alfalfa Seed (0107)"
Total_liability = "$1,004,057"
Policies_sold = "16"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Forage Seeding (0032)"
Total_liability = "$467,061"
Policies_sold = "591"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Camelina (0333)"
Total_liability = "$441,221"
Policies_sold = "1,035"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Triticale (0158)"
Total_liability = "$356,133"
Policies_sold = "330"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Dry Beans (0047)"
Total_liability = "$291,366"
Policies_sold = "167"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Hemp (1218)"
Total_liability = "$42,286"
Policies_sold = "55"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Sunflowers (0078)"
Total_liability = "$0"
Policies_sold = "183"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Buckwheat (0114)"
Total_liability = "$0"
Policies_sold = "30"
Loss_ratio = "—"
