{
  "x402Version": 2,
  "id": 51433,
  "slug": "51433",
  "resource": "https://api.locus.report/api/locus-flood-premium-context",
  "description": "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).",
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  "resourceType": "MCP Tool",
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              "p25": 644,
              "p75": 1407
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                  "p75": 1407
                },
                "policies": 10
              },
              "specialFloodHazardArea": {
                "annualPolicyCostUsd": {
                  "count": 0
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                "policies": 0
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              "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.",
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              "median": 527,
              "p25": 439,
              "p75": 986
            },
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              "county": "Wake County",
              "state": "NC"
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            "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.",
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            },
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            "rateMethodCounts": {
              "RE": 10
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            },
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                "step": "Get an actual NFIP or private flood quote through an agent; FEMA's Risk Rating 2.0 pages explain the rating factors.",
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            ],
            "zip": "27601"
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      "laneTool": "locus_lane_availability",
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      "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",
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  "sourceHost": "api.locus.report",
  "lastUpdated": "2026-10-01T08:15:54.088Z",
  "quality": {
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    "uniquePayers30d": 1,
    "lastCalledAt": "2026-10-01T08:15:53.924Z"
  },
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                "median": 760,
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                "p75": 1407
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              "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.",
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              "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.",
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                "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.",
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    "submitted_at": "2026-10-14T01:15:01.050Z"
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