name = "Crop insurance — Pennsylvania (2026) — USDA RMA Summary of Business"
description = "USDA RMA crop insurance for Pennsylvania (2026): 15,255 policies sold, $174,784,933 total liability, $32,036,492 total premium, $1,256,819 indemnities paid, loss ratio 3.9%. 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/pa.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/pa/state-identity"
warrant = "RECORDED"
name = "Pennsylvania had 15,255 crop insurance policies sold in 2026 across 19 commodities"
text = "The USDA Risk Management Agency Summary of Business records 15,255 crop insurance policies sold in Pennsylvania (PA) for 2026, covering 19 commodities across 65 counties. Total liability covered: $174,784,933. Total premium: $32,036,492 (including $21,286,973 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 PA, 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/pa/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in Pennsylvania for 2026: $32,036,492 total, $21,286,973 subsidized"
text = "Atlas Commons sums $32,036,492 in total premium and $21,286,973 in government subsidy for crop insurance in Pennsylvania 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 PA, year 2026 from the USDA RMA SoB. Falsified if the totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/pa/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in Pennsylvania for 2026: $1,256,819"
text = "Atlas Commons sums $1,256,819 in crop insurance indemnities (claims paid) in Pennsylvania for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 240 of 15,255 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 PA, year 2026 from the USDA RMA SoB. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/pa/loss-ratio"
warrant = "DERIVED"
name = "Pennsylvania crop insurance loss ratio for 2026: 3.9%"
text = "Atlas Commons computes Pennsylvania's crop insurance loss ratio for 2026 as 3.9% (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 PA, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/pa/top-commodity"
warrant = "DERIVED"
name = "Apples is the largest crop insurance commodity in Pennsylvania by liability (2026): $51,543,204"
text = "By total liability covered, Apples (USDA commodity code 0054) is the largest crop insurance commodity in Pennsylvania for 2026 with $51,543,204 in liability across 137 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 PA, 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/pa/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for Pennsylvania (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/pa"
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 = "15,255"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "240"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$174,784,933"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$32,036,492"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$21,286,973"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$1,256,819"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "3.9%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "19"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "65"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Apples (0054)"
Total_liability = "$51,543,204"
Policies_sold = "137"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$46,845,346"
Policies_sold = "766"
Loss_ratio = "11.4%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$18,724,329"
Policies_sold = "1,238"
Loss_ratio = "1.0%"

[[top-commodities]]
Commodity = "Grapes (0053)"
Total_liability = "$18,304,031"
Policies_sold = "100"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$18,045,202"
Policies_sold = "864"
Loss_ratio = "13.1%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$12,249,174"
Policies_sold = "6,240"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$4,457,942"
Policies_sold = "5,037"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Peaches (0034)"
Total_liability = "$3,827,764"
Policies_sold = "68"
Loss_ratio = "107.5%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$616,566"
Policies_sold = "203"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Pears (0089)"
Total_liability = "$103,368"
Policies_sold = "5"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Forage Seeding (0032)"
Total_liability = "$35,562"
Policies_sold = "39"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$25,483"
Policies_sold = "338"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Grain Sorghum (0051)"
Total_liability = "$6,962"
Policies_sold = "100"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Processing Beans (0046)"
Total_liability = "$0"
Policies_sold = "62"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Potatoes (0084)"
Total_liability = "$0"
Policies_sold = "24"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Fresh Market Sweet Corn (0044)"
Total_liability = "$0"
Policies_sold = "21"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Forage Production (0033)"
Total_liability = "$0"
Policies_sold = "4"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Cigar Filler Tobacco (0234)"
Total_liability = "$0"
Policies_sold = "5"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Fresh Market Tomatoes (0086)"
Total_liability = "$0"
Policies_sold = "4"
Loss_ratio = "—"
