← The evidence ledger
Evidence row 66952
Observed , by baseline/1.
- Kind
- listing
- About
- source_record x402_bazaar:https://api.locus.report/api/locus-flood-premium-context
- Recorded
- Previous row
- None: the first of its kind about this subject
- Body SHA-256
- 15bc18d3a2146fcf3e3e7fe27c5e6ed58fe88db6aa3a033af3bddbad1100c0ff
- Leaf
- 0xb74cfac14ee66310f554dc73df4ee4cec7320d39669f2a82ebb6a12ebe8171fa
What was observed
{
"endpoints": [
[
"x402",
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]
],
"name": "api.locus.report/api/locus-flood-premium-context",
"owner_address": "0xf121fbecec43e1b616d47285851c20d5fc64431b",
"raw": {
"accepts": [
{
"amount": "10000",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"assetTransferMethod": "eip3009",
"name": "USD Coin",
"version": "2"
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"maxTimeoutSeconds": 60,
"network": "eip155:8453",
"payTo": "0xF121fbeceC43e1B616D47285851c20d5fC64431b",
"scheme": "exact"
},
{
"amount": "10000",
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"extra": {
"feePayer": "GVJJ7rdGiXr5xaYbRwRbjfaJL7fmwRygFi1H6aGqDveb"
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"maxTimeoutSeconds": 60,
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"payTo": "FBVHMG5PTNW6sNd7uhZBsxhWkwJYRpgk34QcTgDpQdwV",
"scheme": "exact"
}
],
"description": "Median and quartiles of annual NFIP policy cost and FEMA full-risk premium for policies in force in the ZIP, split by rated zone (SFHA vs minimal hazard), from OpenFEMA NFIP Policies v3 (monthly), for buyer, owner and lender agents. Returns the same records as locus_flood_premium_context. Use this when your client can only call paid x402 routes. Use locus_flood_premium_context instead when you can call Locus free tools (REST tools/call or MCP).",
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"address": "1 E Edenton St, Raleigh, NC 27601"
},
"bodyType": "json",
"method": "POST",
"type": "http"
},
"output": {
"example": {
"annualPolicyCostUsd": {
"count": 10,
"median": 760,
"p25": 644,
"p75": 1407
},
"buildingCoverageUsd": {
"count": 10,
"median": 250000,
"p25": 250000,
"p75": 452750
},
"byZone": {
"minimalHazard": {
"annualPolicyCostUsd": {
"count": 10,
"median": 760,
"p25": 644,
"p75": 1407
},
"policies": 10
},
"specialFloodHazardArea": {
"annualPolicyCostUsd": {
"count": 0
},
"policies": 0
}
},
"caveats": [
"Estimate from policies in force, not a premium quote. A parcel-level FEMA flood zone (locus_flood_zone) decides whether a lender requires coverage; policies in Zone X are voluntary and typically cheaper.",
"fullRiskPremium is FEMA's Risk Rating 2.0 full-risk figure; policyCost is what the policyholder currently pays, which may be discounted or in transition.",
"The sample is capped at 1,000 policies; policiesInForce is the full count.",
"This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s)."
],
"estimateBasis": "Distribution of annual policy cost across NFIP policies in force in this ZIP (OpenFEMA NFIP Policies v3, capped at 1,000 sampled policies). Not a quote: elevation, coverage amount, deductible, and Risk Rating 2.0 factors set an individual premium.",
"fullRiskPremiumUsd": {
"count": 10,
"median": 527,
"p25": 439,
"p75": 986
},
"geo": {
"county": "Wake County",
"state": "NC"
},
"kind": "flood_premium_context",
"note": "Awareness/diagnostic only. Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.",
"ok": true,
"point": {
"latitude": 35.780418000003195,
"longitude": -78.63910200000142
},
"policiesInForce": 10,
"rateMethodCounts": {
"RE": 10
},
"sampled": 10,
"source": {
"accessedAt": "2026-09-09T01:56:32.772Z",
"dataAsOf": "2026-08-03T00:00:00.000Z",
"dataDictionary": "https://www.fema.gov/openfema-data-page/fima-nfip-redacted-policies-v2",
"name": "FEMA OpenFEMA NFIP Policies v3",
"url": "https://www.fema.gov/api/open/v3/NfipPolicies"
},
"status": "ok",
"verifyNext": [
{
"step": "Get an actual NFIP or private flood quote through an agent; FEMA's Risk Rating 2.0 pages explain the rating factors.",
"url": "https://www.fema.gov/flood-insurance/risk-rating"
}
],
"zip": "27601"
},
"type": "json"
}
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"body": {
"additionalProperties": false,
"properties": {
"address": {
"maxLength": 200,
"minLength": 5,
"type": "string"
},
"latitude": {
"maximum": 90,
"minimum": -90,
"type": "number"
},
"longitude": {
"maximum": 180,
"minimum": -180,
"type": "number"
}
},
"type": "object"
},
"bodyType": {
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"method": {
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"type": "string"
},
"type": {
"const": "http",
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}
},
"required": [
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"type": "object"
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},
"builder-code": {
"info": {
"a": "bc_vz5zyuko"
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false,
"properties": {
"a": {
"description": "App builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"s": {
"description": "Service builder codes",
"items": {
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"maxItems": 11,
"type": "array"
},
"w": {
"description": "Wallet builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
}
},
"type": "object"
}
},
"locus.freePreflight": {
"coverageBeforeCharge": true,
"laneTool": "locus_lane_availability",
"mcpUrl": "https://mcp.locus.report/mcp",
"recommendedTool": "locus_coverage_check",
"skillInstall": "npx @velinussage/locus-agent-skill add",
"skillUrl": "https://api.locus.report/.well-known/skill.md",
"toolsCallUrl": "https://api.locus.report/tools/call",
"toolsListUrl": "https://api.locus.report/tools/list",
"unsupportedReturnsFreeDiagnostic": true,
"version": 2
},
"offer-receipt": {
"info": {
"offers": [
{
"acceptIndex": 0,
"format": "eip712",
"payload": {
"amount": "10000",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"network": "eip155:8453",
"payTo": "0xF121fbeceC43e1B616D47285851c20d5fC64431b",
"resourceUrl": "https://api.locus.report/api/locus-flood-premium-context",
"scheme": "exact",
"validUntil": 1790842614,
"version": 1
},
"signature": "0x97a419c9de89b6a4682dd3c10e3877ee036f7621d3c8f329177dcabdf61630656a914552f322035542d4d6a89ed70189a9b3b6556d480dc316a26eaaf3fcc2071b"
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"asset": {
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"payTo": {
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"resourceUrl": {
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"scheme": {
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"validUntil": {
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"version": {
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"scheme",
"network",
"asset",
"payTo",
"amount"
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"signature": {
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},
"lastUpdated": "2026-10-01T08:15:54.088Z",
"quality": {
"l30DaysTotalCalls": 3,
"l30DaysUniquePayers": 1,
"lastCalledAt": "2026-10-01T08:15:53.924Z"
},
"resource": "https://api.locus.report/api/locus-flood-premium-context",
"type": "http",
"x402Version": 2
},
"source": "x402_bazaar",
"summary": "Median and quartiles of annual NFIP policy cost and FEMA full-risk premium for policies in force in the ZIP, split by rated zone (SFHA vs minimal hazard), from OpenFEMA NFIP Policies v3 (monthly), for buyer, owner and lender agents. Returns the same records as locus_flood_premium_context. Use this when your client can only call paid x402 routes. Use locus_flood_premium_context instead when you can call Locus free tools (REST tools/call or MCP)."
}What the leaf hashes
{"body":"15bc18d3a2146fcf3e3e7fe27c5e6ed58fe88db6aa3a033af3bddbad1100c0ff","id":66952,"kind":"listing","method":"baseline/1","observed_us":1793025461692812,"prev":null,"subject":"x402_bazaar:https://api.locus.report/api/locus-flood-premium-context","subject_kind":"source_record"}Proof
Its day has not closed yet. A day closes ten minutes after midnight UTC; the proof appears here then.