# QueryLines E&S Hurricane Impact Premium Change

> QueryLines E&S Hurricane Impact Premium Change 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 year-over-year change in surplus-lines (E&S) insurance premium for federally-declared counties in a hurricane event, comparing the last full annual county-premium year before landfall to the first full year after, with the rest of the state as a control group.

## Facts

- Endpoint: GET https://api.querylines.com/v1/cat/impact
- 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-impact-premium-change-a32d4065
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_8OCAHPWUGHQVDnZEmMJmx

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-impact-premium-change-a32d4065
```

Example prompt: Show me how surplus-lines insurance premiums changed in the Florida counties that were federally declared for Hurricane Ian — I want the before-and-after annual premium comparison with the rest of the state as a control.

## When to prefer this

Use this endpoint when you need to quantify the post-catastrophe E&S market expansion signal in a specific hurricane event's declared counties versus the rest of Florida, specifically comparing full annual premium periods before and after landfall. Prefer this over the sibling 'latest annual' endpoint when you want the temporal before/after impact contrast rather than a current snapshot.

## Known failure modes

- Invalid or unknown event_key returns a 404 or error response
- State code not supported (only FL currently) may return an error or empty result
- Payment failure (x402) if USDC payment is not completed
- Event has insufficient pre/post annual data windows returns partial or null results
- Rate limiting or quota exceeded returns 429

## How this service works

How surplus-lines (E&S) insurance premium changed in a hurricane's federally-declared counties: the last full annual county-premium year before landfall vs the first full year after, with the rest of the state as a control. The 'E&S expands after a catastrophe' signal, quantified. Florida. Not an insured-loss measure. $0.50 per query. Free discovery: /v1/cat/events, /v1/cat/sample. Docs: https://api.querylines.com/openapi.json

## Output

Returns pre-landfall and post-landfall annual E&S premium figures for federally-declared counties in the specified hurricane event, along with the percentage change, plus comparable figures for the non-declared rest-of-state control group, quantifying the 'E&S expands after a catastrophe' signal.

## 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",
  "counties": [
   {
    "county": "HILLSBOROUGH",
    "declared": true,
    "delta_pct": 58.84,
    "pre_premium": 755494989,
    "post_premium": 1200000000,
    "delta_premium": 444505011
   }
  ],
  "declared": {
   "counties": 49,
   "delta_pct": 46.94,
   "pre_premium": 5647085291,
   "post_premium": 8297586500,
   "delta_premium": 2650501209
  },
  "available": true,
  "data_as_of": "2025",
  "event_name": "Hurricane Idalia",
  "pre_period": "2022",
  "post_period": "2025",
  "report_date": "2026-07-12",
  "max_category": 3,
  "non_declared": {
   "counties": 18,
   "delta_pct": 39.85,
   "pre_premium": 6389049911,
   "post_premium": 8935300000,
   "delta_premium": 2546250089
  },
  "coverage_note": "Pre-vs-post = the last full county-premium year before the storm vs the first full year after; 'non_declared' is the rest of the state as a control. Surplus-lines premium change is not an insured-loss measure.",
  "landfall_date": "2023-08-30",
  "premium_source": "FSLSO FL Annual Report, 2025"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/querylines-e-s-hurricane-impact-premium-change-a32d4065/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)