{
  "query": {
    "country": "US",
    "area": "TX"
  },
  "status": "ok",
  "price": {
    "currency": "USD",
    "unit": "per policy per year",
    "value": 1130,
    "measure": "median",
    "median": 1130,
    "typical_low": 636,
    "typical_high": 2038,
    "min": 118,
    "max": 21524
  },
  "sample_size": 3785,
  "period": {
    "from": "2025-12-02",
    "to": "2026-09-02"
  },
  "confidence": "high",
  "price_type": "transaction",
  "as_of": "2026-10-18T18:07:32.874Z",
  "source": {
    "id": "us-fema-nfip",
    "name": "OpenFEMA NFIP Redacted Policies v3",
    "publisher": "Federal Emergency Management Agency (FEMA), OpenFEMA",
    "licence": "U.S. Government Works (public domain). OpenFEMA asks users to cite OpenFEMA and says the data is not an official federal report.",
    "licence_url": "https://www.usa.gov/government-works",
    "attribution": "Source: FEMA OpenFEMA, NFIP Redacted Policies v3 (fema.gov/about/openfema). This is not an official FEMA or federal report.",
    "url": "https://www.fema.gov/openfema-data-page/fima-nfip-redacted-policies-v2"
  },
  "method": "Flood insurance charges of National Flood Insurance Program policies (FEMA OpenFEMA, NFIP Redacted Policies v3) that took effect in the last 12 months in the chosen ZIP code or state. Only annual, single-policy records that have started are used. The figure is policyCost: the premium plus the federal policy fee, surcharge and reserve fund assessment, i.e. the year's charge to the policyholder. We publish the median and the 10th to 90th percentile, and never fewer than 5 policies. NFIP rates follow federal rules, so these are real charges but not a free-market price, and private flood cover is not included.",
  "method_url": "https://proofprice.com/method",
  "summary": "Typical NFIP flood insurance charge in TX (state): median 1130 USD a year (10th to 90th percentile 636 to 2038 USD). Based on 3785 records from Federal Emergency Management Agency (FEMA), OpenFEMA (2025-12-02 to 2026-09-02). Confidence: high.",
  "notice": "Information, not a valuation or offer. Ranges describe past recorded prices.",
  "extra": {
    "place": "TX (state)",
    "policies_in_period": 493808,
    "sampled": true,
    "note": "Summarised from a systematic sample of 3785 of 493808 policies.",
    "premium_only": {
      "median": 859,
      "typical_low": 447,
      "typical_high": 1626,
      "note": "Premium before federal fees, surcharge and reserve fund assessment."
    },
    "data_as_of": "2026-09-08",
    "cover": "Flood insurance from the National Flood Insurance Program only."
  },
  "answer_id": "ans_296ccff8b5dfe7105c56",
  "method_version": "1",
  "retrieved_at": "2026-10-18T18:07:32.874Z",
  "evidence": {
    "type": "transaction",
    "label": "Recorded sale prices",
    "meaning": "Prices recorded in official records of completed sales: they show what others paid, not what a particular item is worth or what is on offer now."
  },
  "reliability": "record_level",
  "data_as_of": "2026-09-02",
  "data_age_days": 46,
  "suggestions": []
}