{"sample":true,"featured":{"event_key":"hurricane-helene-2024","name":"Hurricane Helene","peril":"hurricane","year":2024,"noaa_storm_id":"AL092024","max_category":null,"landfall_date":null,"landfall_wind_mph":null,"min_pressure_mb":null,"states":["AL","FL","GA","SC"],"declared_county_count":242,"fl_exposure":{"premium_period":"2025","declared_counties":47,"declared_premium":6361986500,"declared_share_pct":36.92}},"recent_events":[{"event_key":"super-typhoon-sinlaku-2026","name":"Super Typhoon Sinlaku","peril":"hurricane","year":2026,"noaa_storm_id":null,"max_category":null,"landfall_date":null,"landfall_wind_mph":null,"min_pressure_mb":null,"states":["MP"],"declared_county_count":5},{"event_key":"hurricane-beryl-2024","name":"Hurricane Beryl","peril":"hurricane","year":2024,"noaa_storm_id":"AL022024","max_category":null,"landfall_date":null,"landfall_wind_mph":null,"min_pressure_mb":null,"states":["TX"],"declared_county_count":67},{"event_key":"hurricane-francine-2024","name":"Hurricane Francine","peril":"hurricane","year":2024,"noaa_storm_id":"AL062024","max_category":null,"landfall_date":null,"landfall_wind_mph":null,"min_pressure_mb":null,"states":["LA"],"declared_county_count":64},{"event_key":"hurricane-helene-2024","name":"Hurricane Helene","peril":"hurricane","year":2024,"noaa_storm_id":"AL092024","max_category":null,"landfall_date":null,"landfall_wind_mph":null,"min_pressure_mb":null,"states":["AL","FL","GA","SC"],"declared_county_count":242},{"event_key":"hurricane-milton-2024","name":"Hurricane Milton","peril":"hurricane","year":2024,"noaa_storm_id":"AL142024","max_category":null,"landfall_date":null,"landfall_wind_mph":null,"min_pressure_mb":null,"states":["FL"],"declared_county_count":52},{"event_key":"hurricane-idalia-2023","name":"Hurricane Idalia","peril":"hurricane","year":2023,"noaa_storm_id":"AL102023","max_category":3,"landfall_date":"2023-08-30","landfall_wind_mph":115,"min_pressure_mb":950,"states":["FL","GA","SC"],"declared_county_count":127},{"event_key":"hurricane-lee-2023","name":"Hurricane Lee","peril":"hurricane","year":2023,"noaa_storm_id":"AL132023","max_category":null,"landfall_date":"2023-09-16","landfall_wind_mph":63,"min_pressure_mb":970,"states":["MA","ME"],"declared_county_count":30},{"event_key":"tropical-storm-hilary-2023","name":"Tropical Storm Hilary","peril":"hurricane","year":2023,"noaa_storm_id":null,"max_category":null,"landfall_date":null,"landfall_wind_mph":null,"min_pressure_mb":null,"states":["CA"],"declared_county_count":6}],"report_date":"2026-07-12","data_as_of":"2026","source":"FEMA OpenFEMA Disaster Declarations; NOAA HURDAT2 best track","coverage_note":"Catastrophe events are federal FEMA disaster declarations (incidentType=Hurricane) grouped into named storms, enriched with NOAA HURDAT2 landfall metadata. A county appearing here means it was federally declared for that storm -- not a measure of insured loss. Exposure annotates the LATEST annual county-level surplus-lines premium with which counties a storm hit; it is a current-book snapshot, not a pre-vs-post premium change.","note":"Free sample: recent catastrophe events plus the latest FL-affecting hurricane's FL exposure headline. Full per-county declaration detail (/v1/cat/counties) and the county-premium exposure breakdown (/v1/cat/exposure) are paid endpoints (see /openapi.json)."}