# QueryLines E&S Hurricane Exposure by County (Florida)

> QueryLines E&S Hurricane Exposure by County (Florida) 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 current-book surplus-lines (E&S) insurance premium for Florida counties, annotated by which were federally declared for a specified hurricane, with declared-zone totals and their statewide share.

## Facts

- Endpoint: GET https://api.querylines.com/v1/cat/exposure
- 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-hurricane-exposure-by-county-florida-3ba03b63
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_lM6gxE3pInVfmWQHyP_gY

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-hurricane-exposure-by-county-florida-3ba03b63
```

Example prompt: Pull the current E&S surplus-lines premium exposure for Florida counties and flag which ones were federally declared for Hurricane Ian — I want to see the declared-zone total and what share of statewide premium that represents.

## When to prefer this

Choose this endpoint when you need a current-book snapshot of E&S premium concentration in FEMA-declared counties for a specific hurricane — useful for underwriters, cat modelers, reinsurers, or analysts assessing Florida surplus-lines exposure at the county level relative to storm footprints. Use the sibling 'change' endpoint instead if you need pre-vs-post premium movement.

## Known failure modes

- Invalid or unrecognized event_key returns an error — use /v1/cat/events to discover valid keys
- Unsupported state code (non-FL) may return empty or error since Florida is the default scope
- Missing required 'event' query parameter returns a 400-level error
- Payment not provided or insufficient USDC causes a 402 Payment Required response
- Network or upstream data unavailability returns a 5xx server error

## How this service works

Surplus-lines (E&S) insurance premium in a hurricane's federally-declared counties: the latest annual county-level premium for a state, annotated by which counties FEMA declared for the storm, with the declared-zone total and its share of statewide. Florida. A current-book snapshot, not a pre-vs-post change. $0.50 per query. Free discovery: /v1/cat/events, /v1/cat/sample. Docs: https://api.querylines.com/openapi.json

## Output

A county-level dataset for Florida showing the latest annual E&S premium per county, a boolean or flag indicating whether each county was FEMA-declared for the specified hurricane, the aggregate premium total across all declared counties, and that total as a percentage share of statewide E&S premium. This is a current-book snapshot, not a before/after comparison.

## 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": [
      "event"
     ],
     "properties": {
      "event": {
       "type": "string",
       "description": "event_key from /v1/cat/events"
      },
      "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": {
  "year": 2023,
  "event": "hurricane-idalia-2023",
  "peril": "hurricane",
  "state": "FL",
  "source": "FEMA OpenFEMA Disaster Declarations; NOAA HURDAT2 best track",
  "totals": {
   "declared_premium": 8298000000,
   "declared_counties": 49,
   "statewide_premium": 17232886500,
   "declared_share_pct": 48.15,
   "statewide_counties": 67
  },
  "counties": [
   {
    "county": "HILLSBOROUGH",
    "premium": 1240000000,
    "declared": true
   },
   {
    "county": "LEON",
    "premium": 210000000,
    "declared": true
   }
  ],
  "available": true,
  "data_as_of": "2025",
  "event_name": "Hurricane Idalia",
  "report_date": "2026-07-12",
  "max_category": 3,
  "coverage_note": "Exposure annotates the LATEST annual county-level surplus-lines premium with which counties a storm hit; it is a current-book snapshot, not a pre-vs-post premium change.",
  "landfall_date": "2023-08-30",
  "premium_period": "2025",
  "premium_source": "FSLSO FL Annual Report, 2025"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/querylines-e-s-hurricane-exposure-by-county-florida-3ba03b63/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)