locus flood premium context derived

{
  "input": {
    "body": {
      "address": "1 E Edenton St, Raleigh, NC 27601"
    },
    "type": "http",
    "method": "POST",
    "bodyType": "json"
  },
  "output": {
    "type": "json",
    "example": {
      "ok": true,
      "geo": {
        "state": "NC",
        "county": "Wake County"
      },
      "zip": "27601",
      "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.",
      "point": {
        "latitude": 35.780418000003195,
        "longitude": -78.63910200000142
      },
      "byZone": {
        "minimalHazard": {
          "policies": 10,
          "annualPolicyCostUsd": {
            "p25": 644,
            "p75": 1407,
            "count": 10,
            "median": 760
          }
        },
        "specialFloodHazardArea": {
          "policies": 0,
          "annualPolicyCostUsd": {
            "count": 0
          }
        }
      },
      "source": {
        "url": "https://www.fema.gov/api/open/v3/NfipPolicies",
        "name": "FEMA OpenFEMA NFIP Policies v3",
        "dataAsOf": "2026-08-03T00:00:00.000Z",
        "accessedAt": "2026-09-09T01:56:32.772Z",
        "dataDictionary": "https://www.fema.gov/openfema-data-page/fima-nfip-redacted-policies-v2"
      },
      "status": "ok",
      "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)."
      ],
      "sampled": 10,
      "verifyNext": [
        {
          "url": "https://www.fema.gov/flood-insurance/risk-rating",
          "step": "Get an actual NFIP or private flood quote through an agent; FEMA's Risk Rating 2.0 pages explain the rating factors."
        }
      ],
      "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.",
      "policiesInForce": 10,
      "rateMethodCounts": {
        "RE": 10
      },
      "fullRiskPremiumUsd": {
        "p25": 439,
        "p75": 986,
        "count": 10,
        "median": 527
      },
      "annualPolicyCostUsd": {
        "p25": 644,
        "p75": 1407,
        "count": 10,
        "median": 760
      },
      "buildingCoverageUsd": {
        "p25": 250000,
        "p75": 452750,
        "count": 10,
        "median": 250000
      }
    }
  }
}