---
title: "Flood insurance cost context: NFIP policies in force in the ZIP (estimate, not a quote)"
method: POST
path: "/api/locus-flood-premium-context"
tags: ["insurance", "flood", "estimate", "fema", "read-only", "paid", "x402", "category:hazard"]
---

# Flood insurance cost context: NFIP policies in force in the ZIP (estimate, not a quote)

`POST /api/locus-flood-premium-context`

## Request

- Base URL: `https://api.locus.report`
- URL: `https://api.locus.report/api/locus-flood-premium-context`
- Auth: one of:
  - API key in header `PAYMENT-SIGNATURE`
  - API key in header `Authorization`

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).

## Request body

- object
  - `address` string: Optional US street address or place; NC uses AddressNC first, other areas use the national geocoder fallback when latitude/longitude are not provided.
  - `latitude` number: Optional decimal latitude; provide with longitude to skip address geocoding.
  - `longitude` number: Optional decimal longitude; provide with latitude to skip address geocoding.

## Response `200`

Atomic read result. A substantive result is paid; an empty/out-of-coverage result carries charged:false (x402 settlement suppressed).

- object

## Other responses

- `400`: Invalid request body.
- `402`: Payment Required. For x402 v2, repeat the identical request with a valid PAYMENT-SIGNATURE header (legacy X-PAYMENT is accepted for compatibility), or use Authorization: Payment for MPP Tempo when advertised in x-payment-info.offers.

---

[API](https://skmtc.dev/locus/apis/locus-api.md) · [All operations](https://skmtc.dev/locus/apis/locus-api/llms.txt) · [OpenAPI document](https://skmtc.dev/locus/apis/locus-api/revisions/ba7786b74adb?raw)