name = "Crop insurance — Ohio (2026) — USDA RMA Summary of Business"
description = "USDA RMA crop insurance for Ohio (2026): 91,757 policies sold, $827,820,967 total liability, $72,183,089 total premium, $1,353,762 indemnities paid, loss ratio 1.9%. 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/oh.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/oh/state-identity"
warrant = "RECORDED"
name = "Ohio had 91,757 crop insurance policies sold in 2026 across 13 commodities"
text = "The USDA Risk Management Agency Summary of Business records 91,757 crop insurance policies sold in Ohio (OH) for 2026, covering 13 commodities across 88 counties. Total liability covered: $827,820,967. Total premium: $72,183,089 (including $51,303,373 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 OH, 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/oh/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in Ohio for 2026: $72,183,089 total, $51,303,373 subsidized"
text = "Atlas Commons sums $72,183,089 in total premium and $51,303,373 in government subsidy for crop insurance in Ohio 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 OH, year 2026 from the USDA RMA SoB. Falsified if the totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/oh/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in Ohio for 2026: $1,353,762"
text = "Atlas Commons sums $1,353,762 in crop insurance indemnities (claims paid) in Ohio for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 300 of 91,757 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 OH, year 2026 from the USDA RMA SoB. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/oh/loss-ratio"
warrant = "DERIVED"
name = "Ohio crop insurance loss ratio for 2026: 1.9%"
text = "Atlas Commons computes Ohio's crop insurance loss ratio for 2026 as 1.9% (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 OH, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/oh/top-commodity"
warrant = "DERIVED"
name = "Corn is the largest crop insurance commodity in Ohio by liability (2026): $306,557,779"
text = "By total liability covered, Corn (USDA commodity code 0041) is the largest crop insurance commodity in Ohio for 2026 with $306,557,779 in liability across 39,042 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 OH, 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/oh/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for Ohio (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/oh"
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 = "91,757"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "300"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$827,820,967"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$72,183,089"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$51,303,373"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$1,353,762"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "1.9%"
Warrant = "AGGREGATED"

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

[[crop-summary]]
Metric = "Counties with coverage"
Value = "88"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$306,557,779"
Policies_sold = "39,042"
Loss_ratio = "0.8%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$304,153,228"
Policies_sold = "38,725"
Loss_ratio = "1.8%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$107,638,982"
Policies_sold = "12,190"
Loss_ratio = "0.2%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$79,149,551"
Policies_sold = "725"
Loss_ratio = "8.6%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$30,002,708"
Policies_sold = "674"
Loss_ratio = "12.7%"

[[top-commodities]]
Commodity = "Grapes (0053)"
Total_liability = "$170,847"
Policies_sold = "5"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$95,280"
Policies_sold = "39"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Popcorn (0043)"
Total_liability = "$38,512"
Policies_sold = "234"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Apiculture (1191)"
Total_liability = "$14,080"
Policies_sold = "5"
Loss_ratio = "85.0%"

[[top-commodities]]
Commodity = "Burley Tobacco (0231)"
Total_liability = "$0"
Policies_sold = "20"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Tomatoes (0087)"
Total_liability = "$0"
Policies_sold = "23"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$0"
Policies_sold = "71"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Cabbage (0072)"
Total_liability = "$0"
Policies_sold = "4"
Loss_ratio = "—"
