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Locus Insurance Context — US Address Insurance Overview
x402
Locus Insurance Context — US Address Insurance Overview is a paid API for AI agents from api.locus.report, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-13).
Returns a bundled insurance context for one US address: FEMA flood zone + purchase requirement, NFIP policy costs in the ZIP, ACS 2023 homeowners insurance cost bands at ZIP/county/state levels, and county rebuild-cost proxy per sq ft.
Price / call$0.05
Success—
StatusUnknown
How this service works
Insurance questions on one US address in one call: the parcel FEMA flood zone with the federal purchase-requirement rule, what NFIP policies in force in the ZIP cost, the ACS 2023 homeowners-insurance cost band by ZIP, county, and state, and a county rebuild-cost proxy per sq ft. Perfect for: 'what will insurance cost here', 'is flood coverage required here'. Sourced ESTIMATES; never a quote. National. npx @velinussage/locus-agent-skill add.
Output
A single JSON response containing: the parcel's FEMA flood zone and whether federal flood insurance purchase is required; the count and average/median cost of active NFIP policies in the ZIP; the ACS 2023 median homeowners insurance annual cost band segmented by mortgage status at ZIP, county, and state levels; and a county-level rebuild-cost proxy in dollars per square foot. All figures are sourced estimates, not insurance quotes.
Example use cases
Pre-offer homebuyer insurance check
“I'm about to make an offer on 1842 Clover Lane, Austin, TX 78745 — can you tell me what flood zone it's in, whether flood insurance is federally required, and what homeowners insurance typically costs in that ZIP and county?”
Rental property insurance cost screening
“I'm evaluating a rental property at 334 Maple Street, New Orleans, LA 70115. What's the FEMA flood zone, is flood coverage mandatory there, and what do homeowners in that ZIP and county typically pay for insurance?”
Mortgage underwriting insurance context
“I need a quick insurance context summary for 88 Ocean Drive, Miami Beach, FL 33139 — specifically the flood zone designation, federal flood insurance purchase requirement, NFIP policy costs in that ZIP, and the ACS homeowners insurance cost band.”
Technical details
Endpoint
POSThttps://api.locus.report/api/locus-insurance-contextWhen to prefer
Choose this endpoint when you need a comprehensive, bundled insurance context for a single US address in one call — combining FEMA flood zone, federal flood insurance purchase requirements, NFIP policy cost data, ACS homeowners insurance cost bands, and county rebuild costs. Prefer it over the standalone FEMA flood zone or homeowners insurance cost endpoints when you need all of these signals together for property research, pre-purchase due diligence, or mortgage underwriting context.
Side effects
- Address not geocodable or ambiguous — returns error or empty flood zone
- Address outside the US — no NFIP or ACS data available
- ZIP code too rural or small for reliable NFIP policy cost data
- ACS data missing for very small counties or newly formed ZIPs
- Lat/lon provided but falls in water or uninhabited area — may return null fields
- Payment failure via x402 protocol — call not processed
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| address | string | |
| latitude | number | |
| longitude | number |
Output
Schema · Response
{
"type": "json",
"example": {
"id": "locus_example",
"caveats": [
"Example artifact; not live data."
],
"records": [],
"generatedAt": "2026-01-01T00:00:00.000Z"
}
}Tags
x402
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