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

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

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

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

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

[[crop-summary]]
Metric = "Policies sold"
Value = "226,134"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "2,777"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$1,199,904,593"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$191,609,833"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$129,103,295"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$10,957,528"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "5.7%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "28"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "53"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$249,180,705"
Policies_sold = "29,237"
Loss_ratio = "0.1%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$241,547,037"
Policies_sold = "33,991"
Loss_ratio = "0.1%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$199,465,527"
Policies_sold = "4,436"
Loss_ratio = "17.2%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$172,280,132"
Policies_sold = "31,578"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Canola (0015)"
Total_liability = "$105,904,978"
Policies_sold = "21,135"
Loss_ratio = "0.6%"

[[top-commodities]]
Commodity = "Apiculture (1191)"
Total_liability = "$96,101,283"
Policies_sold = "739"
Loss_ratio = "17.2%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$29,219,560"
Policies_sold = "210"
Loss_ratio = "1.6%"

[[top-commodities]]
Commodity = "Whole Farm Revenue Protection (0076)"
Total_liability = "$15,555,460"
Policies_sold = "10"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$15,123,723"
Policies_sold = "662"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Sugar Beets (0039)"
Total_liability = "$14,941,635"
Policies_sold = "3,417"
Loss_ratio = "8.9%"

[[top-commodities]]
Commodity = "Forage Production (0033)"
Total_liability = "$12,402,669"
Policies_sold = "717"
Loss_ratio = "1.3%"

[[top-commodities]]
Commodity = "Sunflowers (0078)"
Total_liability = "$11,374,817"
Policies_sold = "19,395"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Dry Peas (0067)"
Total_liability = "$10,693,710"
Policies_sold = "13,193"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Dry Beans (0047)"
Total_liability = "$9,067,262"
Policies_sold = "12,395"
Loss_ratio = "0.5%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$5,243,331"
Policies_sold = "20,664"
Loss_ratio = "0.6%"

[[top-commodities]]
Commodity = "Flax (0031)"
Total_liability = "$3,627,878"
Policies_sold = "13,592"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Rye (0094)"
Total_liability = "$3,391,984"
Policies_sold = "1,247"
Loss_ratio = "9.9%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$2,832,085"
Policies_sold = "13,807"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Annual Forage (0332)"
Total_liability = "$1,702,078"
Policies_sold = "285"
Loss_ratio = "8.1%"

[[top-commodities]]
Commodity = "Mustard (0069)"
Total_liability = "$162,547"
Policies_sold = "1,786"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Forage Seeding (0032)"
Total_liability = "$86,192"
Policies_sold = "1,368"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Safflower (0049)"
Total_liability = "$0"
Policies_sold = "1,471"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Buckwheat (0114)"
Total_liability = "$0"
Policies_sold = "496"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Millet (0017)"
Total_liability = "$0"
Policies_sold = "256"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Hemp (1218)"
Total_liability = "$0"
Policies_sold = "16"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Camelina (0333)"
Total_liability = "$0"
Policies_sold = "13"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Hybrid Wheat Seed (1011)"
Total_liability = "$0"
Policies_sold = "4"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Grain Sorghum (0051)"
Total_liability = "$0"
Policies_sold = "14"
Loss_ratio = "—"
