{"uid":"cap_naTzjjebOiucPdSNMhVUV","slug":"locus-flood-premium-context-a0059b7e","name":"Locus Flood Premium Context","description":"Median and quartiles of annual NFIP policy cost and FEMA full-risk premium for policies in force in the ZIP, split by rated zone (SFHA vs minimal hazard), from OpenFEMA NFIP Policies v3 (monthly), for buyer, owner and lender agents. Returns the same records as locus_flood_premium_context. Use this when your client can only call paid x402 routes. Use locus_flood_premium_context instead when you can call Locus free tools (REST tools/call or MCP).","url":"https://api.locus.report/api/locus-flood-premium-context?utm_source=zero.xyz","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":{"ok":true,"geo":{"state":"NC","county":"Wake County"},"zip":"27601","kind":"flood_premium_context","note":"Awareness/diagnostic only. Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.","point":{"latitude":35.78041800000319,"longitude":-78.63910200000142},"byZone":{"minimalHazard":{"policies":10,"annualPolicyCostUsd":{"p25":644,"p75":1407,"count":10,"median":760}},"specialFloodHazardArea":{"policies":0,"annualPolicyCostUsd":{"count":0}}},"source":{"url":"https://www.fema.gov/api/open/v3/NfipPolicies","name":"FEMA OpenFEMA NFIP Policies v3","dataAsOf":"2026-08-03T00:00:00.000Z","accessedAt":"2026-09-09T01:56:32.772Z","dataDictionary":"https://www.fema.gov/openfema-data-page/fima-nfip-redacted-policies-v2"},"status":"ok","caveats":["Estimate from policies in force, not a premium quote. A parcel-level FEMA flood zone (locus_flood_zone) decides whether a lender requires coverage; policies in Zone X are voluntary and typically cheaper.","fullRiskPremium is FEMA's Risk Rating 2.0 full-risk figure; policyCost is what the policyholder currently pays, which may be discounted or in transition.","The sample is capped at 1,000 policies; policiesInForce is the full count.","This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s)."],"sampled":10,"verifyNext":[{"url":"https://www.fema.gov/flood-insurance/risk-rating","step":"Get an actual NFIP or private flood quote through an agent; FEMA's Risk Rating 2.0 pages explain the rating factors."}],"estimateBasis":"Distribution of annual policy cost across NFIP policies in force in this ZIP (OpenFEMA NFIP Policies v3, capped at 1,000 sampled policies). Not a quote: elevation, coverage amount, deductible, and Risk Rating 2.0 factors set an individual premium.","policiesInForce":10,"rateMethodCounts":{"RE":10},"fullRiskPremiumUsd":{"p25":439,"p75":986,"count":10,"median":527},"annualPolicyCostUsd":{"p25":644,"p75":1407,"count":10,"median":760},"buildingCoverageUsd":{"p25":250000,"p75":452750,"count":10,"median":250000}}},"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":"2026-10-28T18:35:52.921Z","isFirstParty":false,"canonicalSlug":"locus-flood-premium-context-a0059b7e"}