---
title: Crop insurance — Tennessee (2026) — USDA RMA Summary of Business
license: CC0-1.0
source: USDA Risk Management Agency Summary of Business
---

# Crop insurance — Tennessee (2026) — USDA RMA Summary of Business

USDA RMA crop insurance for Tennessee (2026): 32,518 policies sold, $275,346,128 total liability, $23,953,746 total premium, $5,664,676 indemnities paid, loss ratio 23.6%. Top crop: Nursery (NVS). Atlas Commons aggregation over USDA RMA SoB. CC0.

## Claims

### Tennessee had 32,518 crop insurance policies sold in 2026 across 17 commodities

**RECORDED.** The USDA Risk Management Agency Summary of Business records 32,518 crop insurance policies sold in Tennessee (TN) for 2026, covering 17 commodities across 86 counties. Total liability covered: $275,346,128. Total premium: $23,953,746 (including $16,919,848 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 — 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 TN, year 2026. Falsified if the sum of all policies sold, liability, or premium differs.

### Crop insurance premium in Tennessee for 2026: $23,953,746 total, $16,919,848 subsidized

**DERIVED.** Atlas Commons sums $23,953,746 in total premium and $16,919,848 in government subsidy for crop insurance in Tennessee 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) — https://www.rma.usda.gov/data/sob
Falsifier: Sum all total_premium_amount and subsidy_amount values for state TN, year 2026 from the USDA RMA SoB. Falsified if the totals differ.

### Crop insurance indemnities paid in Tennessee for 2026: $5,664,676

**DERIVED.** Atlas Commons sums $5,664,676 in crop insurance indemnities (claims paid) in Tennessee for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 471 of 32,518 policies received an indemnity payment.

Source: USDA Risk Management Agency Summary of Business (Atlas Commons aggregation) — https://www.rma.usda.gov/data/sob
Falsifier: Sum all indemnity_amount values for state TN, year 2026 from the USDA RMA SoB. Falsified if the total differs.

### Tennessee crop insurance loss ratio for 2026: 23.6%

**DERIVED.** Atlas Commons computes Tennessee's crop insurance loss ratio for 2026 as 23.6% (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) — https://www.rma.usda.gov/data/sob
Falsifier: Reproduce: divide the sum of indemnity_amount by the sum of total_premium_amount for state TN, year 2026 in the USDA RMA SoB. Falsified if the ratio differs.

### Nursery (NVS) is the largest crop insurance commodity in Tennessee by liability (2026): $86,294,140

**DERIVED.** By total liability covered, Nursery (NVS) (USDA commodity code 1010) is the largest crop insurance commodity in Tennessee for 2026 with $86,294,140 in liability across 73 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) — https://www.rma.usda.gov/data/sob
Falsifier: Reproduce: sum liability_amount by commodity for state TN, year 2026 in the USDA RMA SoB. The commodity with the highest total liability should match. Falsified if a different commodity ranks first.

### What this crop insurance profile is — and is NOT — for Tennessee (2026)

**INTERPRETATION.** 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) — https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/tn
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.

---

Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/tn.jsonld`

## Data

### Tennessee — crop insurance summary (2026)

All dollar amounts and policy counts are AGGREGATED (Atlas Commons sums of USDA RMA published per-crop-per-plan-per-county figures). Loss ratio = indemnity / total premium × 100 (AGGREGATED). Source: USDA RMA Summary of Business.

| Metric | Value | Warrant |
| --- | --- | --- |
| Policies sold | 32,518 | AGGREGATED |
| Policies indemnified | 471 | AGGREGATED |
| Total liability covered | $275,346,128 | AGGREGATED |
| Total premium | $23,953,746 | AGGREGATED |
| Government subsidy | $16,919,848 | AGGREGATED |
| Indemnities paid | $5,664,676 | AGGREGATED |
| Loss ratio | 23.6% | AGGREGATED |
| Commodities insured | 17 | AGGREGATED |
| Counties with coverage | 86 | AGGREGATED |

### Tennessee — top 17 crops by liability (2026)

AGGREGATED: Atlas Commons sums of USDA RMA SoB figures per commodity. Loss ratio per crop = indemnity / premium (AGGREGATED). Sorted by total liability descending.

| Commodity | Total liability | Policies sold | Loss ratio |
| --- | --- | --- | --- |
| Nursery (NVS) (1010) | $86,294,140 | 73 | 0.0% |
| Wheat (0011) | $60,416,808 | 4,181 | 61.0% |
| Soybeans (0081) | $41,332,044 | 10,128 | 0.1% |
| Corn (0041) | $36,262,318 | 9,960 | 0.0% |
| All Other Crops (9999) | $24,201,490 | 1,120 | 14.3% |
| Pasture,Rangeland,Forage (0088) | $14,722,531 | 378 | 44.7% |
| Canola (0015) | $6,252,893 | 152 | 18.9% |
| Cotton (0021) | $5,775,815 | 3,569 | 0.0% |
| Oats (0016) | $44,838 | 6 | 0.0% |
| Burley Tobacco (0231) | $19,022 | 420 | 0.0% |
| Fire Cured Tobacco (0230) | $9,796 | 312 | 0.0% |
| Barley (0091) | $8,658 | 11 | 0.0% |
| Dark Air Tobacco (0233) | $5,775 | 383 | 0.0% |
| Grain Sorghum (0051) | $0 | 1,782 | — |
| Fresh Market Tomatoes (0086) | $0 | 12 | — |
| Rice (0018) | $0 | 15 | — |
| Hemp (1218) | $0 | 16 | — |