name = "Crop insurance — Tennessee (2026) — USDA RMA Summary of Business"
description = "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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/tn.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/tn/state-identity"
warrant = "RECORDED"
name = "Tennessee had 32,518 crop insurance policies sold in 2026 across 17 commodities"
text = "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"
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 TN, 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/tn/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in Tennessee for 2026: $23,953,746 total, $16,919,848 subsidized"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/tn/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in Tennessee for 2026: $5,664,676"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/tn/loss-ratio"
warrant = "DERIVED"
name = "Tennessee crop insurance loss ratio for 2026: 23.6%"
text = "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)"
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 TN, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/tn/top-commodity"
warrant = "DERIVED"
name = "Nursery (NVS) is the largest crop insurance commodity in Tennessee by liability (2026): $86,294,140"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/tn/boundary"
warrant = "INTERPRETATION"
name = "What this crop insurance profile is — and is NOT — for Tennessee (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/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."

[[crop-summary]]
Metric = "Policies sold"
Value = "32,518"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "471"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$275,346,128"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$23,953,746"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$16,919,848"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$5,664,676"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "23.6%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "17"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "86"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Nursery (NVS) (1010)"
Total_liability = "$86,294,140"
Policies_sold = "73"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$60,416,808"
Policies_sold = "4,181"
Loss_ratio = "61.0%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$41,332,044"
Policies_sold = "10,128"
Loss_ratio = "0.1%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$36,262,318"
Policies_sold = "9,960"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$24,201,490"
Policies_sold = "1,120"
Loss_ratio = "14.3%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$14,722,531"
Policies_sold = "378"
Loss_ratio = "44.7%"

[[top-commodities]]
Commodity = "Canola (0015)"
Total_liability = "$6,252,893"
Policies_sold = "152"
Loss_ratio = "18.9%"

[[top-commodities]]
Commodity = "Cotton (0021)"
Total_liability = "$5,775,815"
Policies_sold = "3,569"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Oats (0016)"
Total_liability = "$44,838"
Policies_sold = "6"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Burley Tobacco (0231)"
Total_liability = "$19,022"
Policies_sold = "420"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Fire Cured Tobacco (0230)"
Total_liability = "$9,796"
Policies_sold = "312"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$8,658"
Policies_sold = "11"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Dark Air Tobacco (0233)"
Total_liability = "$5,775"
Policies_sold = "383"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Grain Sorghum (0051)"
Total_liability = "$0"
Policies_sold = "1,782"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Fresh Market Tomatoes (0086)"
Total_liability = "$0"
Policies_sold = "12"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Rice (0018)"
Total_liability = "$0"
Policies_sold = "15"
Loss_ratio = "—"

[[top-commodities]]
Commodity = "Hemp (1218)"
Total_liability = "$0"
Policies_sold = "16"
Loss_ratio = "—"
