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

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

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.

## Claims

### North Carolina had 63,971 crop insurance policies sold in 2026 across 30 commodities

**RECORDED.** 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.

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 NC, year 2026. Falsified if the sum of all policies sold, liability, or premium differs.

### Crop insurance premium in North Carolina for 2026: $107,563,314 total, $73,358,871 subsidized

**DERIVED.** 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.

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 NC, year 2026 from the USDA RMA SoB. Falsified if the totals differ.

### Crop insurance indemnities paid in North Carolina for 2026: $4,938,116

**DERIVED.** 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.

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 NC, year 2026 from the USDA RMA SoB. Falsified if the total differs.

### North Carolina crop insurance loss ratio for 2026: 4.6%

**DERIVED.** 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.

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 NC, year 2026 in the USDA RMA SoB. Falsified if the ratio differs.

### Whole Farm Revenue Protection is the largest crop insurance commodity in North Carolina by liability (2026): $264,104,274

**DERIVED.** 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.

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 NC, 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 North Carolina (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/nc
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/nc.jsonld`

## Data

### North Carolina — 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 | 63,971 | AGGREGATED |
| Policies indemnified | 758 | AGGREGATED |
| Total liability covered | $730,794,377 | AGGREGATED |
| Total premium | $107,563,314 | AGGREGATED |
| Government subsidy | $73,358,871 | AGGREGATED |
| Indemnities paid | $4,938,116 | AGGREGATED |
| Loss ratio | 4.6% | AGGREGATED |
| Commodities insured | 30 | AGGREGATED |
| Counties with coverage | 92 | AGGREGATED |

### North Carolina — top 30 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 |
| --- | --- | --- | --- |
| Whole Farm Revenue Protection (0076) | $264,104,274 | 116 | 0.0% |
| All Other Crops (9999) | $150,262,806 | 1,360 | 10.1% |
| Wheat (0011) | $62,614,380 | 7,871 | 5.3% |
| Blueberries (0012) | $55,666,516 | 188 | 0.7% |
| Corn (0041) | $49,493,490 | 15,415 | 0.0% |
| Soybeans (0081) | $40,584,112 | 16,031 | 0.7% |
| Flue Cured Tobacco (0229) | $24,138,982 | 5,679 | 0.0% |
| Pasture,Rangeland,Forage (0088) | $19,071,859 | 605 | 124.0% |
| Apples (0054) | $17,619,100 | 199 | 0.0% |
| Cotton (0021) | $17,167,077 | 7,645 | 0.0% |
| Potatoes (0084) | $14,608,544 | 95 | 0.0% |
| Clary Sage (0079) | $4,492,648 | 98 | 1.5% |
| Peanuts (0075) | $3,019,642 | 3,633 | 0.0% |
| Fresh Market Beans (0105) | $1,700,063 | 47 | 0.0% |
| Grapes (0053) | $1,610,325 | 44 | 0.0% |
| Cabbage (0072) | $1,500,097 | 27 | 0.0% |
| Barley (0091) | $854,249 | 280 | 0.3% |
| Oats (0016) | $523,605 | 381 | 29.7% |
| Peaches (0034) | $515,084 | 33 | 0.0% |
| Canola (0015) | $401,908 | 27 | 0.0% |
| Apiculture (1191) | $400,780 | 11 | 134.6% |
| Fresh Market Sweet Corn (0044) | $303,717 | 5 | 0.0% |
| Fresh Market Tomatoes (0086) | $140,151 | 92 | 0.0% |
| Grain Sorghum (0051) | $968 | 3,948 | 0.0% |
| Cucumbers (0132) | $0 | 7 | — |
| Burley Tobacco (0231) | $0 | 58 | — |
| Fire Cured Tobacco (0230) | $0 | 8 | — |
| Hemp (1218) | $0 | 30 | — |
| Peppers (0083) | $0 | 21 | — |
| Processing Beans (0046) | $0 | 17 | — |