Locus flood premium context

What the provider says

Quoted from x402 Bazaar · source record · read 2026-10-26

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Facts and where they come from

Price

0.01 USDC per call Provider claim

Recorded value: 0.01 USDC per call.

Unit

per call

Protocol

x402, REST · transport: HTTP Provider claim

Auth

x402

Endpoint

https://api.locus.report/api/locus-flood-premium-context

Source

x402 Bazaar (Coinbase CDP) · Public discovery API (provider-published records)

Last checked

Not checked by us yet — the data is as the source published it

First seen

2026-10-24

Usage

3 calls · 1 unique payers in the 30 days before 2026-10-24. Measured by the x402 Bazaar, not by us and not by the provider.

Payments and earnings

No settled payment on record. Earnings for this service are unknown — not zero. The source counts 3 calls in 30 days, which at the published price is roughly $0.03 of activity. Activity is not revenue; no charge has been reconciled for it.

Payment rails

A payment rail is where the provider asks to be paid. It is not proof that anything was paid through it. See evidence levels.

Input and output, as published

Request

{
    "body": {
        "address": "1 E Edenton St, Raleigh, NC 27601"
    },
    "bodyType": "json",
    "method": "POST",
    "type": "http"
}

Response

{
    "example": {
        "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"
    },
    "type": "json"
}

Examples are the provider's own, not a call we made.

Provenance

One row per statement. “Verified” means we checked it ourselves and the finding is quoted. “Provider claim” means we read it in the provider's own record. “Not found” is a statement about our search, not proof of absence.

Endpoint checks

We have not called this endpoint yet. Until we do, everything above is what the source published — no more.

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