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  "name": "Crop insurance — North Dakota (2026) — USDA RMA Summary of Business",
  "description": "USDA RMA crop insurance for North Dakota (2026): 226,134 policies sold, $1,199,904,593 total liability, $191,609,833 total premium, $10,957,528 indemnities paid, loss ratio 5.7%. Top crop: Corn. Atlas Commons aggregation over USDA RMA SoB. CC0.",
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    "name": "North Dakota",
    "identifier": "ND",
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      "@type": "schema:Claim",
      "name": "North Dakota had 226,134 crop insurance policies sold in 2026 across 28 commodities",
      "text": "The USDA Risk Management Agency Summary of Business records 226,134 crop insurance policies sold in North Dakota (ND) for 2026, covering 28 commodities across 53 counties. Total liability covered: $1,199,904,593. Total premium: $191,609,833 (including $129,103,295 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 ND, year 2026. Falsified if the sum of all policies sold, liability, or premium differs."
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      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/nd/total-premium",
      "@type": "schema:Claim",
      "name": "Crop insurance premium in North Dakota for 2026: $191,609,833 total, $129,103,295 subsidized",
      "text": "Atlas Commons sums $191,609,833 in total premium and $129,103,295 in government subsidy for crop insurance in North Dakota 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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        "value": "$191,609,833 total premium, $129,103,295 subsidy (2026)",
        "adjudicator": null
      },
      "falsifier": "Sum all total_premium_amount and subsidy_amount values for state ND, year 2026 from the USDA RMA SoB. Falsified if the totals differ."
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      "name": "Crop insurance indemnities paid in North Dakota for 2026: $10,957,528",
      "text": "Atlas Commons sums $10,957,528 in crop insurance indemnities (claims paid) in North Dakota for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 2,777 of 226,134 policies received an indemnity payment.",
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      "name": "North Dakota crop insurance loss ratio for 2026: 5.7%",
      "text": "Atlas Commons computes North Dakota's crop insurance loss ratio for 2026 as 5.7% (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": "5.7% loss ratio (North Dakota, 2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: divide the sum of indemnity_amount by the sum of total_premium_amount for state ND, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."
    },
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      "@type": "schema:Claim",
      "name": "Corn is the largest crop insurance commodity in North Dakota by liability (2026): $249,180,705",
      "text": "By total liability covered, Corn (USDA commodity code 0041) is the largest crop insurance commodity in North Dakota for 2026 with $249,180,705 in liability across 29,237 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": {
        "occurred": true,
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        "source": "USDA Risk Management Agency Summary of Business (Atlas Commons aggregation)",
        "sourceUrl": "https://www.rma.usda.gov/data/sob",
        "value": "Corn: $249,180,705 liability, 29,237 policies (2026)",
        "adjudicator": null
      },
      "falsifier": "Reproduce: sum liability_amount by commodity for state ND, 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 Dakota (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.",
      "claimType": "interpretation",
      "reviewStatus": "current",
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      "epistemicStatus": {
        "occurred": false,
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        "operative": true
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      "grounding": {
        "groundingType": "Interpretation",
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        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/nd",
        "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 Dakota — crop insurance summary (2026)",
      "numberOfItems": 9,
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        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Metric": "Policies sold",
            "Value": "226,134",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Metric": "Policies indemnified",
            "Value": "2,777",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Total liability covered",
            "Value": "$1,199,904,593",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Total premium",
            "Value": "$191,609,833",
            "Warrant": "AGGREGATED"
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          "position": 5,
          "item": {
            "Metric": "Government subsidy",
            "Value": "$129,103,295",
            "Warrant": "AGGREGATED"
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          "item": {
            "Metric": "Indemnities paid",
            "Value": "$10,957,528",
            "Warrant": "AGGREGATED"
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        {
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          "item": {
            "Metric": "Loss ratio",
            "Value": "5.7%",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Metric": "Commodities insured",
            "Value": "28",
            "Warrant": "AGGREGATED"
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        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Metric": "Counties with coverage",
            "Value": "53",
            "Warrant": "AGGREGATED"
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        }
      ]
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    {
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      "name": "North Dakota — top 28 crops by liability (2026)",
      "numberOfItems": 28,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Commodity": "Corn (0041)",
            "Total liability": "$249,180,705",
            "Policies sold": "29,237",
            "Loss ratio": "0.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Commodity": "Soybeans (0081)",
            "Total liability": "$241,547,037",
            "Policies sold": "33,991",
            "Loss ratio": "0.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "Commodity": "Pasture,Rangeland,Forage (0088)",
            "Total liability": "$199,465,527",
            "Policies sold": "4,436",
            "Loss ratio": "17.2%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "Commodity": "Wheat (0011)",
            "Total liability": "$172,280,132",
            "Policies sold": "31,578",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "Commodity": "Canola (0015)",
            "Total liability": "$105,904,978",
            "Policies sold": "21,135",
            "Loss ratio": "0.6%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "Commodity": "Apiculture (1191)",
            "Total liability": "$96,101,283",
            "Policies sold": "739",
            "Loss ratio": "17.2%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Commodity": "All Other Crops (9999)",
            "Total liability": "$29,219,560",
            "Policies sold": "210",
            "Loss ratio": "1.6%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Commodity": "Whole Farm Revenue Protection (0076)",
            "Total liability": "$15,555,460",
            "Policies sold": "10",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Commodity": "Potatoes (0084)",
            "Total liability": "$15,123,723",
            "Policies sold": "662",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "Commodity": "Sugar Beets (0039)",
            "Total liability": "$14,941,635",
            "Policies sold": "3,417",
            "Loss ratio": "8.9%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "Commodity": "Forage Production (0033)",
            "Total liability": "$12,402,669",
            "Policies sold": "717",
            "Loss ratio": "1.3%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 12,
          "item": {
            "Commodity": "Sunflowers (0078)",
            "Total liability": "$11,374,817",
            "Policies sold": "19,395",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 13,
          "item": {
            "Commodity": "Dry Peas (0067)",
            "Total liability": "$10,693,710",
            "Policies sold": "13,193",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 14,
          "item": {
            "Commodity": "Dry Beans (0047)",
            "Total liability": "$9,067,262",
            "Policies sold": "12,395",
            "Loss ratio": "0.5%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 15,
          "item": {
            "Commodity": "Barley (0091)",
            "Total liability": "$5,243,331",
            "Policies sold": "20,664",
            "Loss ratio": "0.6%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 16,
          "item": {
            "Commodity": "Flax (0031)",
            "Total liability": "$3,627,878",
            "Policies sold": "13,592",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 17,
          "item": {
            "Commodity": "Rye (0094)",
            "Total liability": "$3,391,984",
            "Policies sold": "1,247",
            "Loss ratio": "9.9%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 18,
          "item": {
            "Commodity": "Oats (0016)",
            "Total liability": "$2,832,085",
            "Policies sold": "13,807",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 19,
          "item": {
            "Commodity": "Annual Forage (0332)",
            "Total liability": "$1,702,078",
            "Policies sold": "285",
            "Loss ratio": "8.1%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 20,
          "item": {
            "Commodity": "Mustard (0069)",
            "Total liability": "$162,547",
            "Policies sold": "1,786",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 21,
          "item": {
            "Commodity": "Forage Seeding (0032)",
            "Total liability": "$86,192",
            "Policies sold": "1,368",
            "Loss ratio": "0.0%"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 22,
          "item": {
            "Commodity": "Safflower (0049)",
            "Total liability": "$0",
            "Policies sold": "1,471",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 23,
          "item": {
            "Commodity": "Buckwheat (0114)",
            "Total liability": "$0",
            "Policies sold": "496",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 24,
          "item": {
            "Commodity": "Millet (0017)",
            "Total liability": "$0",
            "Policies sold": "256",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 25,
          "item": {
            "Commodity": "Hemp (1218)",
            "Total liability": "$0",
            "Policies sold": "16",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 26,
          "item": {
            "Commodity": "Camelina (0333)",
            "Total liability": "$0",
            "Policies sold": "13",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 27,
          "item": {
            "Commodity": "Hybrid Wheat Seed (1011)",
            "Total liability": "$0",
            "Policies sold": "4",
            "Loss ratio": "—"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 28,
          "item": {
            "Commodity": "Grain Sorghum (0051)",
            "Total liability": "$0",
            "Policies sold": "14",
            "Loss ratio": "—"
          }
        }
      ]
    }
  ]
}