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

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

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.

## Claims

### North Dakota had 226,134 crop insurance policies sold in 2026 across 28 commodities

**RECORDED.** 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.

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

### Crop insurance premium in North Dakota for 2026: $191,609,833 total, $129,103,295 subsidized

**DERIVED.** 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.

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

### Crop insurance indemnities paid in North Dakota for 2026: $10,957,528

**DERIVED.** 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.

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

### North Dakota crop insurance loss ratio for 2026: 5.7%

**DERIVED.** 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.

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

### Corn is the largest crop insurance commodity in North Dakota by liability (2026): $249,180,705

**DERIVED.** 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.

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 ND, 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 Dakota (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/nd
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/nd.jsonld`

## Data

### North Dakota — 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 | 226,134 | AGGREGATED |
| Policies indemnified | 2,777 | AGGREGATED |
| Total liability covered | $1,199,904,593 | AGGREGATED |
| Total premium | $191,609,833 | AGGREGATED |
| Government subsidy | $129,103,295 | AGGREGATED |
| Indemnities paid | $10,957,528 | AGGREGATED |
| Loss ratio | 5.7% | AGGREGATED |
| Commodities insured | 28 | AGGREGATED |
| Counties with coverage | 53 | AGGREGATED |

### North Dakota — top 28 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 |
| --- | --- | --- | --- |
| Corn (0041) | $249,180,705 | 29,237 | 0.1% |
| Soybeans (0081) | $241,547,037 | 33,991 | 0.1% |
| Pasture,Rangeland,Forage (0088) | $199,465,527 | 4,436 | 17.2% |
| Wheat (0011) | $172,280,132 | 31,578 | 0.0% |
| Canola (0015) | $105,904,978 | 21,135 | 0.6% |
| Apiculture (1191) | $96,101,283 | 739 | 17.2% |
| All Other Crops (9999) | $29,219,560 | 210 | 1.6% |
| Whole Farm Revenue Protection (0076) | $15,555,460 | 10 | 0.0% |
| Potatoes (0084) | $15,123,723 | 662 | 0.0% |
| Sugar Beets (0039) | $14,941,635 | 3,417 | 8.9% |
| Forage Production (0033) | $12,402,669 | 717 | 1.3% |
| Sunflowers (0078) | $11,374,817 | 19,395 | 0.0% |
| Dry Peas (0067) | $10,693,710 | 13,193 | 0.0% |
| Dry Beans (0047) | $9,067,262 | 12,395 | 0.5% |
| Barley (0091) | $5,243,331 | 20,664 | 0.6% |
| Flax (0031) | $3,627,878 | 13,592 | 0.0% |
| Rye (0094) | $3,391,984 | 1,247 | 9.9% |
| Oats (0016) | $2,832,085 | 13,807 | 0.0% |
| Annual Forage (0332) | $1,702,078 | 285 | 8.1% |
| Mustard (0069) | $162,547 | 1,786 | 0.0% |
| Forage Seeding (0032) | $86,192 | 1,368 | 0.0% |
| Safflower (0049) | $0 | 1,471 | — |
| Buckwheat (0114) | $0 | 496 | — |
| Millet (0017) | $0 | 256 | — |
| Hemp (1218) | $0 | 16 | — |
| Camelina (0333) | $0 | 13 | — |
| Hybrid Wheat Seed (1011) | $0 | 4 | — |
| Grain Sorghum (0051) | $0 | 14 | — |