# Flood Risk Expected Loss Calculator

> Flood Risk Expected Loss Calculator is a paid API for AI agents from prop.halowerk.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-09-14).

Computes expected annual loss for a property asset by multiplying each scenario's annual probability by its supplied damage fraction and asset replacement value, then summing across all scenarios.

## Facts

- Endpoint: POST https://prop.halowerk.com/v1/flood-risk-asset
- Price: $0.004/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/flood-risk-expected-loss-calculator-6d82643f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_e9dP_Q_V8MvcLDFr-Y1HV

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability flood-risk-expected-loss-calculator-6d82643f -d '<json body>'
```

Example prompt: Calculate the expected annual flood loss for a warehouse with a replacement value of $4,200,000, given three scenarios: a 1-in-10-year event (annual probability 0.10, inundation depth 0.5m, damage fraction 0.08), a 1-in-100-year event (annual probability 0.01, inundation depth 2.0m, damage fraction 0.40), and a 1-in-500-year event (annual probability 0.002, inundation depth 4.5m, damage fraction 0.85).

## When to prefer this

Use this endpoint when you already have pre-computed scenario probabilities and damage fractions and need a fast, deterministic expected annual loss figure. It is purely computational — it does not fetch hazard maps, run hydrological models, validate damage curves, price insurance, or predict events. Prefer this over full catastrophe-modeling platforms when you supply your own scenario inputs and need a lightweight, cost-effective calculation.

## Known failure modes

- Missing required fields (scenario_id, annual_probability, inundation_depth_m, supplied_damage_fraction) returns validation error
- annual_probability or supplied_damage_fraction outside [0,1] rejected
- asset_replacement_value exceeds maximum (1e15) returns schema error
- Scenarios array empty or exceeds 10,000 items
- Negative values for inundation_depth_m or asset_replacement_value rejected

## How this service works

Multiplies each mutually exclusive supplied scenario probability by its supplied damage fraction and asset replacement value, then sums expected loss. It does not obtain hazard maps, model hydrology, validate damage curves, price insurance or predict a particular event.

## Output

Returns the summed expected annual loss across all supplied scenarios (each scenario's annual_probability × supplied_damage_fraction × asset_replacement_value), along with per-scenario breakdowns, expressed in the caller-supplied currency.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "scenarios": {
   "type": "array",
   "items": {
    "type": "object",
    "required": [
     "scenario_id",
     "annual_probability",
     "inundation_depth_m",
     "supplied_damage_fraction"
    ],
    "properties": {
     "scenario_id": {
      "type": "string",
      "maxLength": 128,
      "minLength": 1
     },
     "annual_probability": {
      "type": "number",
      "maximum": 1,
      "minimum": 0
     },
     "inundation_depth_m": {
      "type": "number",
      "maximum": 1000,
      "minimum": 0
     },
     "supplied_damage_fraction": {
      "type": "number",
      "maximum": 1,
      "minimum": 0
     }
    },
    "additionalProperties": false
   },
   "maxItems": 10000,
   "minItems": 1
  },
  "asset_replacement_value": {
   "type": "number",
   "maximum": 1000000000000000,
   "minimum": 0,
   "description": "Value in a caller-selected currency."
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/flood-risk-expected-loss-calculator-6d82643f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from prop.halowerk.com](https://www.zero.xyz/host/prop.halowerk.com/llms.txt)