Insurance questions on one US address in one call: the parcel FEMA flood zone with the fed
Insurance questions on one US address in one call: the parcel FEMA flood zone with the federal purchase-requirement rule, what NFIP policies in force in the ZIP cost, the ACS 2023 homeowners-insurance cost band by ZIP, county, and state, and a county rebuild-cost proxy per sq ft. Perfect for: 'what will insurance cost here', 'is flood coverage required here'. Sourced ESTIMATES; never a quote. National. npx @velinussage/locus-agent-skill add.
50000 (raw units)
price
3
calls / 30d
3
unique payers
2026-09-11
updated
Provider
api.locus.report · discovered, not yet claimed by its owner
Payment (x402 accepts[])
[
{
"scheme": "exact",
"network": "eip155:8453",
"payTo": "0xF121fbeceC43e1B616D47285851c20d5fC64431b",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"amount": "50000",
"maxTimeoutSeconds": 60
},
{
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"payTo": "FBVHMG5PTNW6sNd7uhZBsxhWkwJYRpgk34QcTgDpQdwV",
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"amount": "50000",
"maxTimeoutSeconds": 60
}
]Output schema
{
"bazaar": {
"info": {
"input": {
"body": {
"address": "1 E Edenton St, Raleigh, NC 27601"
},
"bodyType": "json",
"method": "POST",
"type": "http"
},
"output": {
"example": {
"caveats": [
"Example artifact; not live data."
],
"generatedAt": "2026-01-01T00:00:00.000Z",
"id": "locus_example",
"records": []
},
"type": "json"
}
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"body": {
"additionalProperties": false,
"properties": {
"address": {
"maxLength": 200,
"minLength": 5,
"type": "string"
},
"latitude": {
"maximum": 90,
"minimum": -90,
"type": "number"
},
"longitude": {
"maximum": 180,
"minimum": -180,
"type": "number"
}
},
"type": "object"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
},
"method": {
"enum": [
"POST",
"PUT",
"PATCH"
],
"type": "string"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method",
"bodyType",
"body"
],
"type": "object"
},
"output": {
"properties": {
"example": {
"type": "object"
},
"type": {
"type": "string"
}
},
"required": [
"type"
],
"type": "object"
}
},
"required": [
"input"
],
"type": "object"
}
},
"builder-code": {
"info": {
"a": "bc_vz5zyuko"
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false,
"properties": {
"a": {
"description": "App builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"s": {
"description": "Service builder codes",
"items": {
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"maxItems": 11,
"type": "array"
},
"w": {
"description": "Wallet builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
}
},
"type": "object"
}
},
"locus.freePreflight": {
"coverageBeforeCharge": true,
"laneTool": "locus_lane_availability",
"mcpUrl": "https://mcp.locus.report/mcp",
"recommendedTool": "locus_coverage_check",
"skillInstall": "npx @velinussage/locus-agent-skill add",
"skillUrl": "https://api.locus.report/.well-known/skill.md",
"toolsCallUrl": "https://api.locus.report/tools/call",
"toolsListUrl": "https://api.locus.report/tools/list",
"unsupportedReturnsFreeDiagnostic": true,
"version": 2
},
"offer-receipt": {
"info": {
"offers": [
{
"acceptIndex": 0,
"format": "eip712",
"payload": {
"amount": "50000",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"network": "eip155:8453",
"payTo": "0xF121fbeceC43e1B616D47285851c20d5fC64431b",
"resourceUrl": "https://api.locus.report/api/locus-insurance-context",
"scheme": "exact",
"validUntil": 1789088410,
"version": 1
},
"signature": "0x88d2ba777d28a4a9f6c736a68e2c9652d4d02426a8d29a27c279c85d6a5d489e0c3eca927c0168d0e9474192acd5254e1aed349f050bca5d4aafde6894047e3a1c"
}
]
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"offers": {
"items": {
"properties": {
"acceptIndex": {
"type": "integer"
},
"format": {
"type": "string"
},
"payload": {
"properties": {
"amount": {
"type": "string"
},
"asset": {
"type": "string"
},
"network": {
"type": "string"
},
"payTo": {
"type": "string"
},
"resourceUrl": {
"type": "string"
},
"scheme": {
"type": "string"
},
"validUntil": {
"type": "integer"
},
"version": {
"type": "integer"
}
},
"required": [
"version",
"resourceUrl",
"scheme",
"network",
"asset",
"payTo",
"amount"
],
"type": "object"
},
"signature": {
"type": "string"
}
},
"required": [
"format",
"signature"
],
"type": "object"
},
"type": "array"
}
},
"required": [
"offers"
],
"type": "object"
}
}
}Use it
curl
curl "https://api.locus.report/api/locus-insurance-context" # -> 402 Payment Required, accepts[] lists how to pay # retry with a PAYMENT-SIGNATURE (or PAYMENT header) once paid
JavaScript
const res = await fetch("https://api.locus.report/api/locus-insurance-context");
if (res.status === 402) {
const { accepts } = await res.json();
// pay one of accepts[] via an x402 client, then retry with the payment header
}Python
import httpx
res = httpx.get("https://api.locus.report/api/locus-insurance-context")
if res.status_code == 402:
accepts = res.json()["accepts"]
# pay one of accepts[] via an x402 client, then retry with the payment headerMachine-readable
Everything on this page is also available as clean JSON at /resources/13059.json, and this resource appears in /discovery/resources and /discovery/search.