name = "Crop insurance — New Jersey (2026) — USDA RMA Summary of Business"
description = "USDA RMA crop insurance for New Jersey (2026): 1,885 policies sold, $60,075,169 total liability, $4,657,856 total premium, $3,879,305 indemnities paid, loss ratio 83.3%. Top crop: Blueberries. Atlas Commons aggregation over USDA RMA SoB. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/nj.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/nj/state-identity"
warrant = "RECORDED"
name = "New Jersey had 1,885 crop insurance policies sold in 2026 across 13 commodities"
text = "The USDA Risk Management Agency Summary of Business records 1,885 crop insurance policies sold in New Jersey (NJ) for 2026, covering 13 commodities across 16 counties. Total liability covered: $60,075,169. Total premium: $4,657,856 (including $3,491,615 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 NJ, 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/nj/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in New Jersey for 2026: $4,657,856 total, $3,491,615 subsidized"
text = "Atlas Commons sums $4,657,856 in total premium and $3,491,615 in government subsidy for crop insurance in New Jersey 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 NJ, year 2026 from the USDA RMA SoB. Falsified if the totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/nj/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in New Jersey for 2026: $3,879,305"
text = "Atlas Commons sums $3,879,305 in crop insurance indemnities (claims paid) in New Jersey for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 18 of 1,885 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 NJ, year 2026 from the USDA RMA SoB. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/nj/loss-ratio"
warrant = "DERIVED"
name = "New Jersey crop insurance loss ratio for 2026: 83.3%"
text = "Atlas Commons computes New Jersey's crop insurance loss ratio for 2026 as 83.3% (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 NJ, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/nj/top-commodity"
warrant = "DERIVED"
name = "Blueberries is the largest crop insurance commodity in New Jersey by liability (2026): $32,481,786"
text = "By total liability covered, Blueberries (USDA commodity code 0012) is the largest crop insurance commodity in New Jersey for 2026 with $32,481,786 in liability across 106 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 NJ, 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/nj/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for New Jersey (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/nj"
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 = "1,885"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "18"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$60,075,169"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$4,657,856"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$3,491,615"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$3,879,305"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "83.3%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "13"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "16"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Blueberries (0012)"
Total_liability = "$32,481,786"
Policies_sold = "106"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$10,903,013"
Policies_sold = "445"
Loss_ratio = "11.5%"

[[top-commodities]]
Commodity = "Peaches (0034)"
Total_liability = "$7,790,695"
Policies_sold = "17"
Loss_ratio = "762.2%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$3,021,080"
Policies_sold = "140"
Loss_ratio = "13.2%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$2,538,236"
Policies_sold = "550"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cranberries (0058)"
Total_liability = "$1,911,347"
Policies_sold = "10"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$1,421,475"
Policies_sold = "567"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$6,220"
Policies_sold = "8"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$1,317"
Policies_sold = "10"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Grain Sorghum (0051)"
Total_liability = "$0"
Policies_sold = "12"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Peppers (0083)"
Total_liability = "$0"
Policies_sold = "5"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Processing Beans (0046)"
Total_liability = "$0"
Policies_sold = "5"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Sweet Corn (0042)"
Total_liability = "$0"
Policies_sold = "10"
Loss_ratio = "—"
