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  "name": "Crop insurance — North Carolina (2026) — USDA RMA Summary of Business",
  "description": "USDA RMA crop insurance for North Carolina (2026): 63,971 policies sold, $730,794,377 total liability, $107,563,314 total premium, $4,938,116 indemnities paid, loss ratio 4.6%. Top crop: Whole Farm Revenue Protection. Atlas Commons aggregation over USDA RMA SoB. CC0.",
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    "name": "North Carolina",
    "identifier": "NC",
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      "@type": "schema:Claim",
      "name": "North Carolina had 63,971 crop insurance policies sold in 2026 across 30 commodities",
      "text": "The USDA Risk Management Agency Summary of Business records 63,971 crop insurance policies sold in North Carolina (NC) for 2026, covering 30 commodities across 92 counties. Total liability covered: $730,794,377. Total premium: $107,563,314 (including $73,358,871 in government subsidy). This is a verbatim USDA RMA figure summed across all crops, plans, and counties.",
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      "falsifier": "Verify at the USDA RMA Summary of Business (https://www.rma.usda.gov/data/sob) for state NC, year 2026. Falsified if the sum of all policies sold, liability, or premium differs."
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      "@type": "schema:Claim",
      "name": "Crop insurance premium in North Carolina for 2026: $107,563,314 total, $73,358,871 subsidized",
      "text": "Atlas Commons sums $107,563,314 in total premium and $73,358,871 in government subsidy for crop insurance in North Carolina 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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      "epistemicStatus": {
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        "value": "$107,563,314 total premium, $73,358,871 subsidy (2026)",
        "adjudicator": null
      },
      "falsifier": "Sum all total_premium_amount and subsidy_amount values for state NC, year 2026 from the USDA RMA SoB. Falsified if the totals differ."
    },
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      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/nc/indemnity-payout",
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      "name": "Crop insurance indemnities paid in North Carolina for 2026: $4,938,116",
      "text": "Atlas Commons sums $4,938,116 in crop insurance indemnities (claims paid) in North Carolina for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 758 of 63,971 policies received an indemnity payment.",
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      "name": "North Carolina crop insurance loss ratio for 2026: 4.6%",
      "text": "Atlas Commons computes North Carolina's crop insurance loss ratio for 2026 as 4.6% (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.",
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        "value": "4.6% loss ratio (North Carolina, 2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: divide the sum of indemnity_amount by the sum of total_premium_amount for state NC, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."
    },
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      "@type": "schema:Claim",
      "name": "Whole Farm Revenue Protection is the largest crop insurance commodity in North Carolina by liability (2026): $264,104,274",
      "text": "By total liability covered, Whole Farm Revenue Protection (USDA commodity code 0076) is the largest crop insurance commodity in North Carolina for 2026 with $264,104,274 in liability across 116 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": {
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        "source": "USDA Risk Management Agency Summary of Business (Atlas Commons aggregation)",
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        "value": "Whole Farm Revenue Protection: $264,104,274 liability, 116 policies (2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: sum liability_amount by commodity for state NC, year 2026 in the USDA RMA SoB. The commodity with the highest total liability should match. Falsified if a different commodity ranks first."
    },
    {
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      "@type": "schema:Claim",
      "name": "What this crop insurance profile is — and is NOT — for North Carolina (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.",
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      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
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      "grounding": {
        "groundingType": "Interpretation",
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        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/nc",
        "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."
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  ],
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      "name": "North Carolina — crop insurance summary (2026)",
      "numberOfItems": 9,
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          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Metric": "Policies sold",
            "Value": "63,971",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Metric": "Policies indemnified",
            "Value": "758",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Total liability covered",
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            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Total premium",
            "Value": "$107,563,314",
            "Warrant": "AGGREGATED"
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          "position": 5,
          "item": {
            "Metric": "Government subsidy",
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            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Indemnities paid",
            "Value": "$4,938,116",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Loss ratio",
            "Value": "4.6%",
            "Warrant": "AGGREGATED"
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        {
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          "position": 8,
          "item": {
            "Metric": "Commodities insured",
            "Value": "30",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Metric": "Counties with coverage",
            "Value": "92",
            "Warrant": "AGGREGATED"
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        }
      ]
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    {
      "@type": "schema:ItemList",
      "name": "North Carolina — top 30 crops by liability (2026)",
      "numberOfItems": 30,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Commodity": "Whole Farm Revenue Protection (0076)",
            "Total liability": "$264,104,274",
            "Policies sold": "116",
            "Loss ratio": "0.0%"
          }
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        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Commodity": "All Other Crops (9999)",
            "Total liability": "$150,262,806",
            "Policies sold": "1,360",
            "Loss ratio": "10.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "Commodity": "Wheat (0011)",
            "Total liability": "$62,614,380",
            "Policies sold": "7,871",
            "Loss ratio": "5.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "Commodity": "Blueberries (0012)",
            "Total liability": "$55,666,516",
            "Policies sold": "188",
            "Loss ratio": "0.7%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "Commodity": "Corn (0041)",
            "Total liability": "$49,493,490",
            "Policies sold": "15,415",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "Commodity": "Soybeans (0081)",
            "Total liability": "$40,584,112",
            "Policies sold": "16,031",
            "Loss ratio": "0.7%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Commodity": "Flue Cured Tobacco (0229)",
            "Total liability": "$24,138,982",
            "Policies sold": "5,679",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Commodity": "Pasture,Rangeland,Forage (0088)",
            "Total liability": "$19,071,859",
            "Policies sold": "605",
            "Loss ratio": "124.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Commodity": "Apples (0054)",
            "Total liability": "$17,619,100",
            "Policies sold": "199",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "Commodity": "Cotton (0021)",
            "Total liability": "$17,167,077",
            "Policies sold": "7,645",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "Commodity": "Potatoes (0084)",
            "Total liability": "$14,608,544",
            "Policies sold": "95",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 12,
          "item": {
            "Commodity": "Clary Sage (0079)",
            "Total liability": "$4,492,648",
            "Policies sold": "98",
            "Loss ratio": "1.5%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 13,
          "item": {
            "Commodity": "Peanuts (0075)",
            "Total liability": "$3,019,642",
            "Policies sold": "3,633",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 14,
          "item": {
            "Commodity": "Fresh Market Beans (0105)",
            "Total liability": "$1,700,063",
            "Policies sold": "47",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 15,
          "item": {
            "Commodity": "Grapes (0053)",
            "Total liability": "$1,610,325",
            "Policies sold": "44",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 16,
          "item": {
            "Commodity": "Cabbage (0072)",
            "Total liability": "$1,500,097",
            "Policies sold": "27",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 17,
          "item": {
            "Commodity": "Barley (0091)",
            "Total liability": "$854,249",
            "Policies sold": "280",
            "Loss ratio": "0.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 18,
          "item": {
            "Commodity": "Oats (0016)",
            "Total liability": "$523,605",
            "Policies sold": "381",
            "Loss ratio": "29.7%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 19,
          "item": {
            "Commodity": "Peaches (0034)",
            "Total liability": "$515,084",
            "Policies sold": "33",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 20,
          "item": {
            "Commodity": "Canola (0015)",
            "Total liability": "$401,908",
            "Policies sold": "27",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 21,
          "item": {
            "Commodity": "Apiculture (1191)",
            "Total liability": "$400,780",
            "Policies sold": "11",
            "Loss ratio": "134.6%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 22,
          "item": {
            "Commodity": "Fresh Market Sweet Corn (0044)",
            "Total liability": "$303,717",
            "Policies sold": "5",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 23,
          "item": {
            "Commodity": "Fresh Market Tomatoes (0086)",
            "Total liability": "$140,151",
            "Policies sold": "92",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 24,
          "item": {
            "Commodity": "Grain Sorghum (0051)",
            "Total liability": "$968",
            "Policies sold": "3,948",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 25,
          "item": {
            "Commodity": "Cucumbers (0132)",
            "Total liability": "$0",
            "Policies sold": "7",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 26,
          "item": {
            "Commodity": "Burley Tobacco (0231)",
            "Total liability": "$0",
            "Policies sold": "58",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 27,
          "item": {
            "Commodity": "Fire Cured Tobacco (0230)",
            "Total liability": "$0",
            "Policies sold": "8",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 28,
          "item": {
            "Commodity": "Hemp (1218)",
            "Total liability": "$0",
            "Policies sold": "30",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 29,
          "item": {
            "Commodity": "Peppers (0083)",
            "Total liability": "$0",
            "Policies sold": "21",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 30,
          "item": {
            "Commodity": "Processing Beans (0046)",
            "Total liability": "$0",
            "Policies sold": "17",
            "Loss ratio": "—"
          }
        }
      ]
    }
  ]
}