Locus nfip claims

What the provider says

Quoted from x402 Bazaar · source record · read 2026-10-25

---

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-nfip-claims

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

30 calls · 6 unique payers in the 30 days before 2026-10-25. 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 30 calls in 30 days, which at the published price is roughly $0.30 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": {
        "capped": false,
        "caveats": [
            "NFIP claims are REDACTED federal records aggregated to the COUNTY here - no address, owner, or other personally identifiable information.",
            "These are paid flood-insurance claims only, not all flood losses and not all insurance claims; many flood-damaged properties carry no NFIP policy.",
            "A claim count or dollar total is a historical fact for the county, NOT a prediction, a risk score, or a statement about any specific property."
        ],
        "claimCount": 1642,
        "claimsAnalyzed": 1642,
        "county": {
            "fips5": "37183",
            "name": "Wake County",
            "state": "NC"
        },
        "coverage": "covered",
        "mitigationHistory": {
            "acquisitionSites": 87,
            "activities": [
                {
                    "activity": "Acquisition",
                    "sites": 87
                },
                {
                    "activity": "Other",
                    "sites": 32
                },
                {
                    "activity": "Elevation",
                    "sites": 28
                },
                {
                    "activity": "Floodproofing",
                    "sites": 1
                },
                {
                    "activity": "Flood Mitigation",
                    "sites": 1
                },
                {
                    "activity": "Tornado saferoom",
                    "sites": 1
                }
            ],
            "capped": false,
            "caveats": [
                "Mitigation sites are aggregated to the COUNTY here. No property-level attribute is returned: the source rows carry purchase price, building size, elevation and tenancy fields that could identify a specific bought-out home.",
                "These are FEMA-funded project sites only. Buyouts and elevations funded by states, counties, or municipalities without FEMA assistance are not represented, so this understates total mitigation activity.",
                "A project site is a historical record of work funded or proposed, not a flood prediction, a statement about any specific property, or an indication of current flood risk.",
                "Where FEMA mitigation money went reflects grant applications and local capacity as well as hazard; a low count does not mean low flood exposure."
            ],
            "provenance": {
                "coverage": "national (HMGP / FMA / BRIC programs), aggregated to county",
                "serviceUrl": "https://www.fema.gov/api/open/v1/HmaSubapplicationsProjectSiteInventories",
                "source": "FEMA Hazard Mitigation Assistance subapplication project site inventories (OpenFEMA)",
                "sourcePage": "https://www.fema.gov/about/openfema/data-sets"
            },
            "siteCount": 150,
            "sitesAnalyzed": 150,
            "status": "ok",
            "subapplicationCount": 35,
            "substantiallyDamagedSites": 84
        },
        "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
        },
        "provenance": {
            "coverage": "national (NFIP-participating communities), county FIPS",
            "endpoint": "https://www.fema.gov/api/open/v3/NfipClaims",
            "source": "FEMA OpenFEMA - NfipClaims v3 (redacted, county-aggregated)",
            "sourcePage": "https://www.fema.gov/openfema-data-page/nfip-redacted-claims-v3"
        },
        "topFloodZones": [
            {
                "claims": 681,
                "zone": "AE"
            },
            {
                "claims": 499,
                "zone": "X"
            },
            {
                "claims": 119,
                "zone": "A13"
            },
            {
                "claims": 59,
                "zone": "C"
            },
            {
                "claims": 51,
                "zone": "(unrated)"
            },
            {
                "claims": 46,
                "zone": "A04"
            },
            {
                "claims": 28,
                "zone": "A03"
            },
            {
                "claims": 24,
                "zone": "B"
            }
        ],
        "totalPaidUsd": 31252564,
        "verifyNext": [
            {
                "step": "Open the NfipClaims v3 dataset on OpenFEMA to inspect the underlying redacted rows.",
                "url": "https://www.fema.gov/openfema-data-page/nfip-redacted-claims-v3"
            },
            {
                "step": "Check the FEMA National Flood Hazard Layer for the current mapped flood zone at the address.",
                "url": "https://hazards.fema.gov/femaportal/wps/portal/NFHLWMS"
            }
        ],
        "yearRange": {
            "from": 1978,
            "to": 2026
        }
    },
    "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.

---