---
title: "Insurance context bundle: flood zone rule, NFIP policy costs, ACS insurance medians, rebuild proxy"
method: POST
path: "/api/locus-insurance-context"
tags: ["insurance", "flood", "homeowners", "estimate", "fema", "census", "real-estate", "property", "public-records", "x402", "category:hazard"]
---

# Insurance context bundle: flood zone rule, NFIP policy costs, ACS insurance medians, rebuild proxy

`POST /api/locus-insurance-context`

## Request

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

FEMA parcel flood zone and federal purchase rule, ZIP NFIP in-force policy costs, ACS 2023 homeowners-insurance cost band at ZIP, county, and state, and a county rebuild-cost proxy per sq ft for a US address. For an insurance-cost question: sourced estimates, not a quote. npx @velinussage/locus-agent-skill add.

## Request body

- object: US street address or latitude+longitude. Returns the parcel's FEMA zone with the federal purchase-requirement rule, NFIP policy-cost distribution for the ZIP, ACS homeowners-insurance cost bands, and a county rebuild-cost proxy.
  - `address` string: US street address; geocoded to a point. Either address or latitude+longitude is required.
  - `latitude` number: Decimal latitude; provide with longitude.
  - `longitude` number: Decimal longitude; provide with latitude.

## Response `200`

Successful paid artifact, or a free pre-charge diagnostic when the request is outside current coverage.

- object: kind insurance_context with floodZone, floodInsuranceCost, homeownersInsuranceCost, rebuildCostProxy sections, each sourced and vintage-stamped; charged:false when the point does not resolve or no section returned data.
  - `kind` 'insurance_context', required
  - `ok` boolean, required

## 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)