name = "Crop insurance — New York (2026) — USDA RMA Summary of Business"
description = "USDA RMA crop insurance for New York (2026): 9,014 policies sold, $371,745,903 total liability, $49,404,172 total premium, $1,638,878 indemnities paid, loss ratio 3.3%. Top crop: Apples. Atlas Commons aggregation over USDA RMA SoB. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ny.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ny/state-identity"
warrant = "RECORDED"
name = "New York had 9,014 crop insurance policies sold in 2026 across 21 commodities"
text = "The USDA Risk Management Agency Summary of Business records 9,014 crop insurance policies sold in New York (NY) for 2026, covering 21 commodities across 50 counties. Total liability covered: $371,745,903. Total premium: $49,404,172 (including $33,397,680 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 NY, 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/ny/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in New York for 2026: $49,404,172 total, $33,397,680 subsidized"
text = "Atlas Commons sums $49,404,172 in total premium and $33,397,680 in government subsidy for crop insurance in New York 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 NY, year 2026 from the USDA RMA SoB. Falsified if the totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ny/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in New York for 2026: $1,638,878"
text = "Atlas Commons sums $1,638,878 in crop insurance indemnities (claims paid) in New York for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 238 of 9,014 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 NY, year 2026 from the USDA RMA SoB. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ny/loss-ratio"
warrant = "DERIVED"
name = "New York crop insurance loss ratio for 2026: 3.3%"
text = "Atlas Commons computes New York's crop insurance loss ratio for 2026 as 3.3% (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 NY, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/ny/top-commodity"
warrant = "DERIVED"
name = "Apples is the largest crop insurance commodity in New York by liability (2026): $199,070,314"
text = "By total liability covered, Apples (USDA commodity code 0054) is the largest crop insurance commodity in New York for 2026 with $199,070,314 in liability across 306 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 NY, 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/ny/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for New York (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/ny"
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 = "9,014"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "238"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$371,745,903"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$49,404,172"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$33,397,680"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$1,638,878"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "3.3%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "21"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "50"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Apples (0054)"
Total_liability = "$199,070,314"
Policies_sold = "306"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Grapes (0053)"
Total_liability = "$45,753,872"
Policies_sold = "296"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$38,357,688"
Policies_sold = "353"
Loss_ratio = "32.6%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$22,636,346"
Policies_sold = "1,052"
Loss_ratio = "0.6%"

[[top-commodities]]
Commodity = "Onions (0013)"
Total_liability = "$19,885,317"
Policies_sold = "89"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$17,432,582"
Policies_sold = "679"
Loss_ratio = "2.4%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$9,983,645"
Policies_sold = "2,928"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Green Peas (0064)"
Total_liability = "$7,504,689"
Policies_sold = "212"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$3,837,410"
Policies_sold = "2,245"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Apiculture (1191)"
Total_liability = "$2,891,005"
Policies_sold = "26"
Loss_ratio = "55.9%"

[[top-commodities]]
Commodity = "Whole Farm Revenue Protection (0076)"
Total_liability = "$2,245,194"
Policies_sold = "6"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Peaches (0034)"
Total_liability = "$1,094,886"
Policies_sold = "37"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Cherries (0057)"
Total_liability = "$629,423"
Policies_sold = "4"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$253,471"
Policies_sold = "79"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Forage Seeding (0032)"
Total_liability = "$86,494"
Policies_sold = "9"
Loss_ratio = "391.0%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$55,574"
Policies_sold = "39"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$27,993"
Policies_sold = "242"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Processing Beans (0046)"
Total_liability = "$0"
Policies_sold = "178"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Dry Beans (0047)"
Total_liability = "$0"
Policies_sold = "94"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Sweet Corn (0042)"
Total_liability = "$0"
Policies_sold = "122"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Cabbage (0072)"
Total_liability = "$0"
Policies_sold = "18"
Loss_ratio = "—"
