{"slug":"api-locus-report-api-locus-flood-premium-context-440668","title":"What flood insurance actually costs in a ZIP","host":"api.locus.report","method":"POST","resource":"https://api.locus.report/api/locus-flood-premium-context","category":"other","description":"What flood insurance actually costs in a ZIP: median and quartiles of annual NFIP policy cost and FEMA full-risk premium across policies in force, split by rated zone (SFHA vs minimal hazard), from OpenFEMA NFIP Policies v3 (monthly). Perfect for: 'typical flood premium near this address', 'is flood","price_listed":0.01,"price_asked":0.01,"state":"answering","state_label":"Answering","checks_7d":1,"answered_7d":1,"latency_ms_median":1284,"reported_calls_30d":2,"reported_payers_30d":2,"networks":["eip155:8453","solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp"],"badge":"unverified","paid_checks_7d":0,"paid_ok_7d":0,"example_input":{"body":{"address":"1 E Edenton St, Raleigh, NC 27601"},"bodyType":"json","method":"POST","type":"http"},"output_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"},"history":[{"day":"2026-09-24","reachable":true,"status":402,"valid_402":true,"asked_usdc":0.01,"price_match":true,"latency_ms":1284,"error":null}],"description_full":"What flood insurance actually costs in a ZIP: median and quartiles of annual NFIP policy cost and FEMA full-risk premium across policies in force, split by rated zone (SFHA vs minimal hazard), from OpenFEMA NFIP Policies v3 (monthly). Perfect for: 'typical flood premium near this address', 'is flood coverage cheap here'. Estimate from real policies, never a quote. National. Free at /tools/call.","last_updated":"2026-09-09T07:26:38.234Z","schemes":["exact"]}