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

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/wv/state-identity"
warrant = "RECORDED"
name = "West Virginia had 662 crop insurance policies sold in 2026 across 7 commodities"
text = "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"
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 WV, 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/wv/total-premium"
warrant = "DERIVED"
name = "Crop insurance premium in West Virginia for 2026: $2,552,852 total, $1,702,995 subsidized"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/wv/indemnity-payout"
warrant = "DERIVED"
name = "Crop insurance indemnities paid in West Virginia for 2026: $1,021,229"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/wv/loss-ratio"
warrant = "DERIVED"
name = "West Virginia crop insurance loss ratio for 2026: 40.0%"
text = "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)"
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 WV, year 2026 in the USDA RMA SoB. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/crop/states/wv/top-commodity"
warrant = "DERIVED"
name = "Apples is the largest crop insurance commodity in West Virginia by liability (2026): $6,138,616"
text = "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)"
sourceUrl = "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."

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

[[crop-summary]]
Metric = "Policies sold"
Value = "662"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Policies indemnified"
Value = "21"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total liability covered"
Value = "$11,962,794"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Total premium"
Value = "$2,552,852"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Government subsidy"
Value = "$1,702,995"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Indemnities paid"
Value = "$1,021,229"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Loss ratio"
Value = "40.0%"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Commodities insured"
Value = "7"
Warrant = "AGGREGATED"

[[crop-summary]]
Metric = "Counties with coverage"
Value = "17"
Warrant = "AGGREGATED"

[[top-commodities]]
Commodity = "Apples (0054)"
Total_liability = "$6,138,616"
Policies_sold = "9"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "All Other Crops (9999)"
Total_liability = "$4,939,060"
Policies_sold = "305"
Loss_ratio = "70.7%"

[[top-commodities]]
Commodity = "Wheat (0011)"
Total_liability = "$585,245"
Policies_sold = "39"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Corn (0041)"
Total_liability = "$179,240"
Policies_sold = "169"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Pasture,Rangeland,Forage (0088)"
Total_liability = "$79,719"
Policies_sold = "4"
Loss_ratio = "20.1%"

[[top-commodities]]
Commodity = "Soybeans (0081)"
Total_liability = "$33,848"
Policies_sold = "129"
Loss_ratio = "0.0%"

[[top-commodities]]
Commodity = "Barley (0091)"
Total_liability = "$7,066"
Policies_sold = "7"
Loss_ratio = "0.0%"
