---
title: "Surplus-lines premium in a hurricane's federally-declared counties"
method: GET
path: "/v1/cat/exposure"
---

# Surplus-lines premium in a hurricane's federally-declared counties

`GET /v1/cat/exposure`

## Request

- Base URL: `https://api.querylines.com`
- URL: `https://api.querylines.com/v1/cat/exposure`
- Auth: none declared

Joins a storm's FEMA county declarations to the LATEST annual county-level surplus-lines premium for `state` (default FL -- the only state with county premium today). Returns the declared counties with their premium (descending), the declared-zone total, and its share of the statewide county book. This is a current-exposure snapshot; a pre-vs-post premium delta needs a multi-year county series (not yet loaded) and is a future endpoint. `available:false` (empty) when a state has no county premium. Unknown event -> 404. $0.50 per query.

## Query parameters

- `event` string, required
- `state` string

## Response `200`

Declared counties with premium and statewide-share totals.

- object
  - `event` string, required
  - `event_name` string, required
  - `peril` string, required
  - `year` number, required
  - `max_category` number, nullable, required
  - `landfall_date` string, nullable, required
  - `state` string, required
  - `premium_period` string, nullable, required: The annual premium period used, e.g. "2025".
  - `available` boolean, required
  - `counties` object[], required
    - `county` string, required
    - `premium` number, nullable, required
    - `declared` boolean, required
  - `totals` object, nullable, required
    - `declared_counties` number
    - `declared_premium` number
    - `statewide_counties` number
    - `statewide_premium` number
    - `declared_share_pct` number, nullable
  - `report_date` string, nullable, required
  - `data_as_of` string, nullable, required
  - `source` string, required
  - `premium_source` string, nullable
  - `coverage_note` string, required

## Other responses

- `400`: Invalid query parameters.
- `402`: Payment required (x402). Returned when the x402 payment gate is enabled (PAY_TO_ADDRESS configured) and the request carries no valid payment. The full payment challenge (price/network/payTo/asset) is carried in the base64-encoded PAYMENT-REQUIRED response header (see the x402 spec), not the JSON body -- the body is `{}` for API clients. Price for this route: $0.50. Retry with a signed payment per x402 (USDC on Base mainnet); on success the response carries a PAYMENT-RESPONSE header with settlement info. When PAY_TO_ADDRESS is unset (kill switch off), this route is free and never returns 402.
- `404`: Unknown state or coverage line.
- `500`: Internal error.

---

[API](https://skmtc.dev/querylines/apis/querylines-api.md) · [All operations](https://skmtc.dev/querylines/apis/querylines-api/llms.txt) · [OpenAPI document](https://skmtc.dev/querylines/apis/querylines-api/revisions/4afb6c3e2b1f?raw)