{"uid":"cap_naTzjjebOiucPdSNMhVUV","slug":"locus-flood-premium-context-a0059b7e","name":"Locus Flood Premium Context","description":"What flood insurance actually costs in a ZIP: median and quartiles of annual NFIP policy cost and FEMA full-risk premium across policies in force, split by rated zone (SFHA vs minimal hazard), from OpenFEMA NFIP Policies v3 (monthly). Perfect for: 'typical flood premium near this address', 'is flood coverage cheap here'. Estimate from real policies, never a quote. National. Free at /tools/call.","url":"https://api.locus.report/api/locus-flood-premium-context","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"address":{"type":"string","maxLength":200,"minLength":5},"latitude":{"type":"number","maximum":90,"minimum":-90},"longitude":{"type":"number","maximum":180,"minimum":-180}}},"responseSchema":{"type":"json","example":{"id":"locus_example","caveats":["Example artifact; not live data."],"records":[],"generatedAt":"2026-01-01T00:00:00.000Z"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_M4DGkpM55u4_mWwvNk4SC","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns median and quartile distributions of annual NFIP flood insurance premiums and FEMA full-risk rates for a given ZIP code, split by flood zone (SFHA vs minimal hazard)","exampleAgentPrompt":"What does flood insurance typically cost near 742 Evergreen Terrace, Springfield, IL — give me the median NFIP premium and how it breaks down by flood zone.","exampleUseCases":[{"title":"Homebuyer flood cost check","prompt":"Before I make an offer on 88 Ocean Drive, Miami Beach FL, can you tell me what flood insurance typically runs for properties in that ZIP — median NFIP premium and whether being in a high-risk flood zone makes a big difference?"},{"title":"Rental property insurance budgeting","prompt":"I'm underwriting a rental property at 300 Canal Street, New Orleans, LA 70130. What do NFIP flood policies actually cost in that ZIP — give me the median and the spread across flood zones so I can budget accurately."},{"title":"Comparing flood costs across ZIP codes","prompt":"I'm deciding between two neighborhoods — can you pull the typical NFIP flood insurance costs for ZIP 77002 in Houston so I can compare it with what I already know about the other area?"}],"resultDescription":"Returns median and quartile (25th, 75th percentile) annual NFIP policy premiums and FEMA full-risk premiums for the ZIP code covering the input address or coordinates, segmented by rated flood zone (SFHA high-risk versus minimal hazard). Data is derived from real in-force NFIP policies via OpenFEMA NFIP Policies v3 (monthly updated). This is a statistical estimate from actual policies, not an individual quote.","failureModes":["Address not geocodable or outside US — returns error or null result","ZIP code has too few NFIP policies to produce reliable quartile statistics — may return sparse or null premium data","Invalid latitude/longitude range — schema validation error","No address or coordinates provided — missing required input error","OpenFEMA data lag — monthly refresh means very recent policy changes may not be reflected"],"whenToPreferThis":"Use this endpoint when you need to understand what flood insurance actually costs in a specific area based on real in-force NFIP policies — not a hypothetical quote. Ideal for homebuyer due diligence, rental property underwriting, real estate market research, or any workflow needing a fast, data-backed benchmark of flood insurance costs by ZIP and flood zone. Prefer this over a general FEMA flood zone lookup when the user wants cost context, not just zone designation.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T12:51:07.231Z","isFirstParty":false}