Skip to content

api.locus.report

Median and quartiles of annual NFIP policy cost and FEMA full-risk…

Median and quartiles of annual NFIP policy cost and FEMA full-risk premium for policies in force in the ZIP, split by rated zone (SFHA vs minimal hazard), from OpenFEMA NFIP Policies v3 (monthly), for buyer, owner and lender agents. Returns the same records as locus_flood_premium_context. Use this when your client can only call paid x402 routes. Use locus_flood_premium_context instead when you can call Locus free tools (REST tools/call or MCP).

Ready now3 calls · 1 buyer in 30 days

Input

Sample response

Published by the provider. Your run returns a fresh response.

response18 keys
annualPolicyCostUsd4 keys
count10
median760
p25644
p751407
buildingCoverageUsd4 keys
count10
median250000
p25250000
p75452750
byZone2 keys
caveats4 items
0"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."
1"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."
2"The sample is capped at 1,000 policies; policiesInForce is the full count."
3"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."
fullRiskPremiumUsd4 keys
count10
median527
p25439
p75986
geo2 keys
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."
oktrue
point2 keys
latitude35.780418000003195
longitude-78.63910200000142
policiesInForce10
rateMethodCounts1 key
RE10
sampled10
source5 keys
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"
verifyNext1 item
zip"27601"
responseobject, 18 keys
Your agent can do this on its own
Add the MCP URL in Claude Code, Cursor or Codex. Your agent can run Tools within its spending limits, or ask for approval each time. Connect your agent

Connect your agent

Add one MCP URL and your agent can find and run this tool within its spending limits. Choose “Ask each time” if you want to approve every Call.

MCP URL

https://app.aecon.ai/mcp
Terminalbash
claude mcp add --transport http --scope user agentic-economy "https://app.aecon.ai/mcp"

In Claude Code, open /mcp, select agentic-economy, then choose Authenticate.

Track record

Paid calls, last 30 days
3
Buyers, last 30 days
1
Last paid call

Reported by the x402 directory.

A$0.015 per call