# QueryLines E&S Hazard Premium — Florida County Natural-Hazard Risk & Surplus Lines Premium

> QueryLines E&S Hazard Premium — Florida County Natural-Hazard Risk & Surplus Lines Premium is a paid API for AI agents from api.querylines.com, paid per call via x402, $0.5/call, status unknown (last checked 2026-09-13).

Returns the latest annual county-level surplus-lines (E&S) premium for Florida joined to each county's FEMA National Risk Index expected annual loss for a specified peril, ranked by hazard loss, with share of statewide premium in highest-hazard counties.

## Facts

- Endpoint: GET https://api.querylines.com/v1/hazard/premium
- Price: $0.5/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/querylines-e-s-hazard-premium-florida-county-natural-hazard-risk-db857fbb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_kwyrhyD4SYDYPxMvloBH9

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 querylines-e-s-hazard-premium-florida-county-natural-hazard-risk-db857fbb
```

Example prompt: Pull the Florida county-level E&S surplus-lines premium joined to FEMA National Risk Index expected annual loss for the hurricane peril, ranked by hazard loss, and show me which counties hold the highest share of statewide premium.

## When to prefer this

Use this endpoint when you need to cross-reference Florida surplus-lines (E&S) premium concentration with FEMA National Risk Index county-level hazard exposure for a specific peril — ideal for catastrophe risk analysis, underwriting strategy, or regulatory research that requires both insurance market data and government hazard scores in one joined dataset.

## Known failure modes

- Invalid or unsupported peril slug returns an error — use the NRI hazard slug exactly as documented or default 'composite'
- Unsupported state code (non-FL states may not have data) returns empty or error response
- Payment not included or insufficient USDC results in HTTP 402 Payment Required
- Rate limit exceeded returns HTTP 429
- Network timeout on slow queries returns HTTP 504

## How this service works

Surplus-lines (E&S) insurance premium alongside county natural-hazard risk: the latest annual county-level premium for a state joined to each county's FEMA National Risk Index expected annual loss for a peril, ranked by loss, with the share of statewide premium in the highest-hazard counties. Florida. $0.50 per query. Free discovery: /v1/hazard/sample. Docs: https://api.querylines.com/openapi.json

## Output

A list of Florida counties each with their latest annual surplus-lines premium figure, FEMA NRI expected annual loss for the requested peril (e.g. composite or hurricane), a rank by loss severity, and each county's share of total statewide E&S premium — highlighting concentration in the highest-hazard counties.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "peril": {
       "type": "string",
       "default": "composite",
       "description": "composite (default) or an NRI hazard slug"
      },
      "state": {
       "type": "string",
       "default": "FL",
       "description": "2-letter code; default FL"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "peril": "hurricane",
  "state": "FL",
  "source": "FEMA National Risk Index (County), December 2025 (v1.20.0)",
  "totals": {
   "counties_matched": 67,
   "statewide_premium": 12800000000,
   "top10_hazard_premium": 9100000000,
   "top10_premium_share_pct": 71.09
  },
  "counties": [
   {
    "county": "MIAMI-DADE",
    "premium": 2170000000,
    "eal_total": 330598602,
    "eal_rating": "Very High",
    "risk_score": 99.96,
    "risk_rating": "Very High"
   },
   {
    "county": "BROWARD",
    "premium": 1480000000,
    "eal_total": 241000000,
    "eal_rating": "Very High",
    "risk_score": 99.5,
    "risk_rating": "Very High"
   }
  ],
  "available": true,
  "data_as_of": "2025",
  "report_date": "2026-07-14",
  "coverage_note": "Hazard scores are FEMA National Risk Index (NRI) county-level figures ... not endorsed by FEMA.",
  "premium_period": "2025",
  "premium_source": "FSLSO FL Annual Report"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/querylines-e-s-hazard-premium-florida-county-natural-hazard-risk-db857fbb/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.querylines.com](https://www.zero.xyz/host/api.querylines.com/llms.txt)