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

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

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

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

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

[[crop-summary]]
Metric = "Policies sold"
Value = "63,971"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "758"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$730,794,377"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$107,563,314"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$73,358,871"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$4,938,116"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "4.6%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "30"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "92"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Whole Farm Revenue Protection (0076)"
Total_liability = "$264,104,274"
Policies_sold = "116"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$150,262,806"
Policies_sold = "1,360"
Loss_ratio = "10.1%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$62,614,380"
Policies_sold = "7,871"
Loss_ratio = "5.3%"

[[top-commodities]]
Commodity = "Blueberries (0012)"
Total_liability = "$55,666,516"
Policies_sold = "188"
Loss_ratio = "0.7%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$49,493,490"
Policies_sold = "15,415"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$40,584,112"
Policies_sold = "16,031"
Loss_ratio = "0.7%"

[[top-commodities]]
Commodity = "Flue Cured Tobacco (0229)"
Total_liability = "$24,138,982"
Policies_sold = "5,679"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$19,071,859"
Policies_sold = "605"
Loss_ratio = "124.0%"

[[top-commodities]]
Commodity = "Apples (0054)"
Total_liability = "$17,619,100"
Policies_sold = "199"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cotton (0021)"
Total_liability = "$17,167,077"
Policies_sold = "7,645"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$14,608,544"
Policies_sold = "95"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Clary Sage (0079)"
Total_liability = "$4,492,648"
Policies_sold = "98"
Loss_ratio = "1.5%"

[[top-commodities]]
Commodity = "Peanuts (0075)"
Total_liability = "$3,019,642"
Policies_sold = "3,633"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Fresh Market Beans (0105)"
Total_liability = "$1,700,063"
Policies_sold = "47"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Grapes (0053)"
Total_liability = "$1,610,325"
Policies_sold = "44"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cabbage (0072)"
Total_liability = "$1,500,097"
Policies_sold = "27"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$854,249"
Policies_sold = "280"
Loss_ratio = "0.3%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$523,605"
Policies_sold = "381"
Loss_ratio = "29.7%"

[[top-commodities]]
Commodity = "Peaches (0034)"
Total_liability = "$515,084"
Policies_sold = "33"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Canola (0015)"
Total_liability = "$401,908"
Policies_sold = "27"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Apiculture (1191)"
Total_liability = "$400,780"
Policies_sold = "11"
Loss_ratio = "134.6%"

[[top-commodities]]
Commodity = "Fresh Market Sweet Corn (0044)"
Total_liability = "$303,717"
Policies_sold = "5"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Fresh Market Tomatoes (0086)"
Total_liability = "$140,151"
Policies_sold = "92"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Grain Sorghum (0051)"
Total_liability = "$968"
Policies_sold = "3,948"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cucumbers (0132)"
Total_liability = "$0"
Policies_sold = "7"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Burley Tobacco (0231)"
Total_liability = "$0"
Policies_sold = "58"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Fire Cured Tobacco (0230)"
Total_liability = "$0"
Policies_sold = "8"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Hemp (1218)"
Total_liability = "$0"
Policies_sold = "30"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Peppers (0083)"
Total_liability = "$0"
Policies_sold = "21"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Processing Beans (0046)"
Total_liability = "$0"
Policies_sold = "17"
Loss_ratio = "—"
