---
title: "Homeowners insurance cost context: ACS median cost band by ZIP, county, state (estimate)"
method: POST
path: "/api/locus_homeowners_insurance_context"
tags: ["insurance", "homeowners", "estimate", "census", "read-only", "free", "free"]
---

# Homeowners insurance cost context: ACS median cost band by ZIP, county, state (estimate)

`POST /api/locus_homeowners_insurance_context`

## Request

- Base URL: `https://api.locus.report`
- URL: `https://api.locus.report/api/locus_homeowners_insurance_context`
- Auth: none required

Census ACS 2023 median annual homeowners-insurance cost band by mortgage status (B25141) and median monthly owner costs (B25088) at ZIP, county, state, for agents. Use before an area cost question. Survey estimate with vintage; never a quote or coverage recommendation. Sample-rate tool for FL, TX, CA, NC. National.
Use this when you can call Locus free tools (REST tools/call or MCP).
Use locus-homeowners-insurance-context instead when your client can only call paid x402 routes; it returns the same records. Direct flat-body route for this one free resource; no API key, payment, or catalog wrapper. Return only the cited bounded evidence described here; this route never produces a paid brief or full report.

## 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`

Free cited evidence response.

- object

## Other responses

- `400`: Invalid request body.
- `429`: Rate limited.

---

[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)