Interactive analysis
Agricultural Insurance Explorer
Compare insured liability, premiums, and claims across U.S. states and insurance programs.
United States
Loss ratio = indemnities ÷ total premium. It measures claims paid per premium dollar.
Geographic comparison
Loss ratio by state
Select a state on the map or use the State menu.
Historical perspective
Ten-year trend
View annual values
Compare states
State comparison
Select a state to inspect its figures. A ranking describes the selected measure, not overall risk or program quality.
Underlying figures
State-level data
View all state values
| State | Liability ($) | Premium ($) | Federal subsidy ($) | Indemnities ($) | Loss ratio |
|---|
About the analysis
Sources & methodology
Data preparation, analysis, and visualization by Wajdi Belgacem.
Data coverage
The crop and forage view uses USDA RMA’s State/County/Crop files, including coverage levels. The livestock and dairy view uses the LRP, LGM, and DRP participation files. Reporting years span 2016–2025; DRP begins in 2019. Data accessed: September 20, 2026. Latest source update: September 14, 2026; archived files have earlier update dates.
Figures reflect the published reporting periods and remain subject to USDA revisions. Incomplete 2026 records are excluded.
Reporting years and locations
Crop and forage figures use commodity year. Livestock and dairy figures use reinsurance year as published in the participation files. These are separate views and are not summed together. Reinsurance year is the insurance agreement year, not the calendar year in which payments are made.
National totals include business with no disclosed state. These amounts cannot be assigned to the state map. State results therefore describe the published, geographically identified business and may understate a state’s actual business. Gray means no published amount or an undefined ratio, not zero risk. Coverage-level filtering is available for crop and forage records; livestock products have different coverage and deductible structures.
Calculations and interpretation
Dollar amounts are summed over the selected records. Loss ratio is total indemnities divided by total premium, including subsidized premium. Federal subsidy share is the reported federal subsidy divided by total premium. Ratios are calculated from summed amounts, never averaged from individual row ratios. A zero denominator produces no ratio.
Liability is the reported dollar amount of insurance. It is not a forecast of expected loss. Indemnities are reported insurance payments for the selected year. Amounts are nominal dollars, without inflation adjustment. State and private subsidies, additional subsidies, and EFA discounts are retained separately in the crop data; “premium less federal subsidy” is not the final producer bill. Livestock producer premium is taken directly from the source.
These are aggregate program statistics. They do not measure farm-level basis risk, uninsured losses, coverage adequacy, farmer profit, or insurer net profit. Different crop mixes and insured risks affect comparisons.
Data sources and code
State totals are aggregated from public USDA county and endorsement records. Records with no earned premium and entirely empty or zero financial fields are excluded; all reported financial amounts are retained.
- USDA crop and forage files and record layout ↗
- USDA livestock and dairy files and record layouts ↗
- Data source and release details ↗
- U.S. map: Census-derived boundaries via us-atlas ↗
Alaska and Hawaii are shown as geographic insets. Rounded display values may not add exactly; the CSV contains unrounded dollar totals. The map’s amount scales adapt to the current selection. The loss-ratio scale uses fixed thresholds.