# Locus Flood Premium Context

> Locus Flood Premium Context is a paid API for AI agents from api.locus.report, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

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)

## Facts

- Endpoint: POST https://api.locus.report/api/locus-flood-premium-context
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-flood-premium-context-a0059b7e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_naTzjjebOiucPdSNMhVUV

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 locus-flood-premium-context-a0059b7e -d '<json body>'
```

Example prompt: 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.

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

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.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "address": {
   "type": "string",
   "maxLength": 200,
   "minLength": 5
  },
  "latitude": {
   "type": "number",
   "maximum": 90,
   "minimum": -90
  },
  "longitude": {
   "type": "number",
   "maximum": 180,
   "minimum": -180
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "id": "locus_example",
  "caveats": [
   "Example artifact; not live data."
  ],
  "records": [],
  "generatedAt": "2026-01-01T00:00:00.000Z"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/locus-flood-premium-context-a0059b7e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.locus.report](https://www.zero.xyz/host/api.locus.report/llms.txt)