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

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

USDA RMA crop insurance for West Virginia (2026): 662 policies sold, $11,962,794 total liability, $2,552,852 total premium, $1,021,229 indemnities paid, loss ratio 40.0%. Top crop: Apples. Atlas Commons aggregation over USDA RMA SoB. CC0.

## Claims

### West Virginia had 662 crop insurance policies sold in 2026 across 7 commodities

**RECORDED.** The USDA Risk Management Agency Summary of Business records 662 crop insurance policies sold in West Virginia (WV) for 2026, covering 7 commodities across 17 counties. Total liability covered: $11,962,794. Total premium: $2,552,852 (including $1,702,995 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 WV, year 2026. Falsified if the sum of all policies sold, liability, or premium differs.

### Crop insurance premium in West Virginia for 2026: $2,552,852 total, $1,702,995 subsidized

**DERIVED.** Atlas Commons sums $2,552,852 in total premium and $1,702,995 in government subsidy for crop insurance in West Virginia 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 WV, year 2026 from the USDA RMA SoB. Falsified if the totals differ.

### Crop insurance indemnities paid in West Virginia for 2026: $1,021,229

**DERIVED.** Atlas Commons sums $1,021,229 in crop insurance indemnities (claims paid) in West Virginia for 2026. This is a faithful sum of the USDA RMA published indemnity_amount figures across all crops, plans, and counties — no modeling choice. 21 of 662 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 WV, year 2026 from the USDA RMA SoB. Falsified if the total differs.

### West Virginia crop insurance loss ratio for 2026: 40.0%

**DERIVED.** Atlas Commons computes West Virginia's crop insurance loss ratio for 2026 as 40.0% (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 WV, year 2026 in the USDA RMA SoB. Falsified if the ratio differs.

### Apples is the largest crop insurance commodity in West Virginia by liability (2026): $6,138,616

**DERIVED.** By total liability covered, Apples (USDA commodity code 0054) is the largest crop insurance commodity in West Virginia for 2026 with $6,138,616 in liability across 9 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 WV, 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 West Virginia (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/wv
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/wv.jsonld`

## Data

### West Virginia — 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 | 662 | AGGREGATED |
| Policies indemnified | 21 | AGGREGATED |
| Total liability covered | $11,962,794 | AGGREGATED |
| Total premium | $2,552,852 | AGGREGATED |
| Government subsidy | $1,702,995 | AGGREGATED |
| Indemnities paid | $1,021,229 | AGGREGATED |
| Loss ratio | 40.0% | AGGREGATED |
| Commodities insured | 7 | AGGREGATED |
| Counties with coverage | 17 | AGGREGATED |

### West Virginia — top 7 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 |
| --- | --- | --- | --- |
| Apples (0054) | $6,138,616 | 9 | 0.0% |
| All Other Crops (9999) | $4,939,060 | 305 | 70.7% |
| Wheat (0011) | $585,245 | 39 | 0.0% |
| Corn (0041) | $179,240 | 169 | 0.0% |
| Pasture,Rangeland,Forage (0088) | $79,719 | 4 | 20.1% |
| Soybeans (0081) | $33,848 | 129 | 0.0% |
| Barley (0091) | $7,066 | 7 | 0.0% |