---
title: "Cited mitigation grants and insurance discount rules"
method: POST
path: "/api/locus_mitigation_incentives"
tags: ["owner-programs", "read-only", "free", "free"]
---

# Cited mitigation grants and insurance discount rules

`POST /api/locus_mitigation_incentives`

## Request

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

Returns registry-backed mitigation grants, insurance discount rules, disaster-assistance windows, flood-map corrections, and flood-protection rebates for a resolved US place. Optional filter: wind, wildfire, flood, or earthquake. Printed money notes only. No determination, recommendation, premium estimate, or savings estimate.
Use this when you can call Locus free tools (REST tools/call or MCP).
Use locus-mitigation-incentives 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: US street address or ZIP used to resolve state, county, and city program rows.
  - `place` string: US city, county, state, ZIP, or address used to resolve program rows.
  - `hazard` 'wind' | 'wildfire' | 'flood' | 'earthquake': Optional hazard filter.

## 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)