# Locus Insurance Context — US Address Insurance Overview

> 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 2026-09-15).

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.

## Facts

- Endpoint: POST https://api.locus.report/api/locus-insurance-context
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-insurance-context-us-address-insurance-overview-f398086e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_TSHRI_kO9sWTsEeyVE0ki

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-insurance-context-us-address-insurance-overview-f398086e -d '<json body>'
```

Example prompt: For the property at 742 Evergreen Terrace, Springfield, IL 62704, can you pull the full insurance picture — FEMA flood zone, whether flood coverage is federally required, what NFIP policies in the ZIP typically cost, the ACS homeowners insurance cost band, and the county rebuild cost per square foot?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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-insurance-context-us-address-insurance-overview-f398086e/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)