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

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

USDA RMA crop insurance for Texas (2026): 280,456 policies sold, $4,227,697,548 total liability, $978,987,799 total premium, $695,046,649 indemnities paid, loss ratio 71.0%. Top crop: Pasture,Rangeland,Forage. Atlas Commons aggregation over USDA RMA SoB. CC0.

## Claims

### Texas had 280,456 crop insurance policies sold in 2026 across 41 commodities

**RECORDED.** The USDA Risk Management Agency Summary of Business records 280,456 crop insurance policies sold in Texas (TX) for 2026, covering 41 commodities across 253 counties. Total liability covered: $4,227,697,548. Total premium: $978,987,799 (including $603,772,329 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 TX, year 2026. Falsified if the sum of all policies sold, liability, or premium differs.

### Crop insurance premium in Texas for 2026: $978,987,799 total, $603,772,329 subsidized

**DERIVED.** Atlas Commons sums $978,987,799 in total premium and $603,772,329 in government subsidy for crop insurance in Texas 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 TX, year 2026 from the USDA RMA SoB. Falsified if the totals differ.

### Crop insurance indemnities paid in Texas for 2026: $695,046,649

**DERIVED.** Atlas Commons sums $695,046,649 in crop insurance indemnities (claims paid) in Texas for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 25,258 of 280,456 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 TX, year 2026 from the USDA RMA SoB. Falsified if the total differs.

### Texas crop insurance loss ratio for 2026: 71.0%

**DERIVED.** Atlas Commons computes Texas's crop insurance loss ratio for 2026 as 71.0% (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 TX, year 2026 in the USDA RMA SoB. Falsified if the ratio differs.

### Pasture,Rangeland,Forage is the largest crop insurance commodity in Texas by liability (2026): $1,166,014,594

**DERIVED.** By total liability covered, Pasture,Rangeland,Forage (USDA commodity code 0088) is the largest crop insurance commodity in Texas for 2026 with $1,166,014,594 in liability across 17,651 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 TX, 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 Texas (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/tx
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/tx.jsonld`

## Data

### Texas — 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 | 280,456 | AGGREGATED |
| Policies indemnified | 25,258 | AGGREGATED |
| Total liability covered | $4,227,697,548 | AGGREGATED |
| Total premium | $978,987,799 | AGGREGATED |
| Government subsidy | $603,772,329 | AGGREGATED |
| Indemnities paid | $695,046,649 | AGGREGATED |
| Loss ratio | 71.0% | AGGREGATED |
| Commodities insured | 41 | AGGREGATED |
| Counties with coverage | 253 | AGGREGATED |

### Texas — top 30 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 |
| --- | --- | --- | --- |
| Pasture,Rangeland,Forage (0088) | $1,166,014,594 | 17,651 | 46.5% |
| Annual Forage (0332) | $1,153,450,425 | 15,997 | 138.2% |
| Cotton (0021) | $509,095,505 | 70,489 | 16.0% |
| Wheat (0011) | $362,201,494 | 31,500 | 76.2% |
| Corn (0041) | $298,848,365 | 31,961 | 2.8% |
| All Other Crops (9999) | $232,996,212 | 1,433 | 36.9% |
| Grain Sorghum (0051) | $149,999,112 | 45,319 | 1.0% |
| Grapefruit Trees (0208) | $95,997,798 | 149 | 0.0% |
| Orange Trees (0207) | $74,679,847 | 129 | 0.0% |
| Pecans (0020) | $38,048,823 | 137 | 0.0% |
| Onions (0013) | $31,655,885 | 274 | 28.2% |
| Apiculture (1191) | $27,381,064 | 406 | 55.5% |
| Grapefruit (0201) | $17,772,220 | 111 | 11.7% |
| Cotton Ex Long Staple (0022) | $11,923,757 | 422 | 10.2% |
| Whole Farm Revenue Protection (0076) | $10,939,021 | 28 | 0.0% |
| Rice (0018) | $7,999,674 | 2,265 | 0.0% |
| Oranges (0227) | $7,591,599 | 98 | 20.6% |
| Soybeans (0081) | $5,381,398 | 13,599 | 8.7% |
| Sunflowers (0078) | $5,296,463 | 7,428 | 23.6% |
| Grapes (0053) | $4,808,176 | 53 | 0.0% |
| Cabbage (0072) | $3,472,303 | 49 | 75.8% |
| Peanuts (0075) | $2,556,190 | 9,948 | 0.0% |
| Oats (0016) | $2,322,090 | 3,460 | 37.0% |
| Potatoes (0084) | $1,444,204 | 499 | 0.0% |
| Triticale (0158) | $1,047,480 | 2,840 | 9.1% |
| Sesame (0396) | $856,236 | 6,918 | 0.0% |
| Peaches (0034) | $810,368 | 10 | 0.0% |
| Hybrid Sorghum Seed (0050) | $670,389 | 3,093 | 0.0% |
| Cucumbers (0132) | $528,051 | 76 | 0.0% |
| Dry Beans (0047) | $465,590 | 4,173 | 1.6% |