---
title: "Surplus-lines premium alongside county hazard risk (FEMA NRI x E&S premium)"
method: GET
path: "/v1/hazard/premium"
---

# Surplus-lines premium alongside county hazard risk (FEMA NRI x E&S premium)

`GET /v1/hazard/premium`

## Request

- Base URL: `https://api.querylines.com`
- URL: `https://api.querylines.com/v1/hazard/premium`
- Auth: none declared

Joins the FEMA National Risk Index county Expected Annual Loss for `peril` to the LATEST annual county-level surplus-lines premium for `state` (default FL). Returns the counties (highest EAL first) with both their hazard EAL/score and their E&S premium, plus totals: statewide premium, the premium in the 10 highest-EAL counties, and its share of statewide. The 'high-hazard counties are where the surplus-lines book sits' signal, quantified. `available:false` (empty) when a state has no county premium. $0.50 per query.

## Query parameters

- `state` string
- `peril` string
- `limit` integer

## Response `200`

Counties with hazard EAL and E&S premium, plus statewide-share totals.

- object
  - `state` string, required
  - `peril` string, required
  - `premium_period` string, nullable, required: The annual premium period used, e.g. "2025".
  - `available` boolean, required
  - `counties` object[], required
    - `county` string, required
    - `eal_total` number, nullable, required
    - `eal_rating` string, nullable, required
    - `risk_score` number, nullable, required
    - `risk_rating` string, nullable, required
    - `premium` number, nullable, required
  - `totals` object, nullable, required
    - `counties_matched` number
    - `statewide_premium` number
    - `top10_hazard_premium` number
    - `top10_premium_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.
- `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)