Locus Flood Premium Context

{
  "annualPolicyCostUsd": {
    "count": 10,
    "median": 760,
    "p25": 644,
    "p75": 1407
  },
  "buildingCoverageUsd": {
    "count": 10,
    "median": 250000,
    "p25": 250000,
    "p75": 452750
  },
  "byZone": {
    "minimalHazard": {
      "annualPolicyCostUsd": {
        "count": 10,
        "median": 760,
        "p25": 644,
        "p75": 1407
      },
      "policies": 10
    },
    "specialFloodHazardArea": {
      "annualPolicyCostUsd": {
        "count": 0
      },
      "policies": 0
    }
  },
  "caveats": [
    "Estimate from policies in force, not a premium quote. A parcel-level FEMA flood zone (locus_flood_zone) decides whether a lender requires coverage; policies in Zone X are voluntary and typically cheaper.",
    "fullRiskPremium is FEMA's Risk Rating 2.0 full-risk figure; policyCost is what the policyholder currently pays, which may be discounted or in transition.",
    "The sample is capped at 1,000 policies; policiesInForce is the full count.",
    "This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s)."
  ],
  "estimateBasis": "Distribution of annual policy cost across NFIP policies in force in this ZIP (OpenFEMA NFIP Policies v3, capped at 1,000 sampled policies). Not a quote: elevation, coverage amount, deductible, and Risk Rating 2.0 factors set an individual premium.",
  "fullRiskPremiumUsd": {
    "count": 10,
    "median": 527,
    "p25": 439,
    "p75": 986
  },
  "geo": {
    "county": "Wake County",
    "state": "NC"
  },
  "kind": "flood_premium_context",
  "note": "Awareness/diagnostic only. Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.",
  "ok": true,
  "point": {
    "latitude": 35.780418000003195,
    "longitude": -78.63910200000142
  },
  "policiesInForce": 10,
  "rateMethodCounts": {
    "RE": 10
  },
  "sampled": 10,
  "source": {
    "accessedAt": "2026-09-09T01:56:32.772Z",
    "dataAsOf": "2026-08-03T00:00:00.000Z",
    "dataDictionary": "https://www.fema.gov/openfema-data-page/fima-nfip-redacted-policies-v2",
    "name": "FEMA OpenFEMA NFIP Policies v3",
    "url": "https://www.fema.gov/api/open/v3/NfipPolicies"
  },
  "status": "ok",
  "verifyNext": [
    {
      "step": "Get an actual NFIP or private flood quote through an agent; FEMA's Risk Rating 2.0 pages explain the rating factors.",
      "url": "https://www.fema.gov/flood-insurance/risk-rating"
    }
  ],
  "zip": "27601"
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i -X POST 'https://api.locus.report/api/locus-flood-premium-context' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"1 E Edenton St, Raleigh, NC 27601"}'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - -X POST 'https://api.locus.report/api/locus-flood-premium-context' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"1 E Edenton St, Raleigh, NC 27601"}' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.01 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.01" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.01 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fapi.locus.report%2Fapi%2Flocus-flood-premium-context&method=POST
const res = await pay("https://api.locus.report/api/locus-flood-premium-context", {
  method: "POST",
  headers: { "content-type": "application/json" },
  body: JSON.stringify({
    "address": "1 E Edenton St, Raleigh, NC 27601"
  }),
});
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.01 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.01"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.post(
        "https://api.locus.report/api/locus-flood-premium-context",
        json={
            "address": "1 E Edenton St, Raleigh, NC 27601",
        },
    )
    print(res.status_code, res.text)