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  "name": "Farmers Property & Casualty Insurance Company — FEMA WYO Flood Carrier (NFIP node 6361)",
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    "name": "FEMA Write-Your-Own (WYO) Carrier Directory",
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    "name": "Farmers Property & Casualty Insurance Company",
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      "name": "Farmers Property & Casualty Insurance Company is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6361)",
      "text": "FEMA's WYO carrier directory lists Farmers Property & Casualty Insurance Company as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6361. WYO carriers sell and service NFIP flood insurance policies under their own brand but backed by the federal government.",
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        "value": "NFIP node 6361",
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      "@type": "schema:Claim",
      "name": "Farmers Property & Casualty Insurance Company WYO flood contact: Napoleon Roybal, Flood Marketing Manager",
      "text": "FEMA lists Napoleon Roybal (Flood Marketing Manager) as the WYO program contact for Farmers Property & Casualty Insurance Company. Contact details: 405-315-9763, napoleon.roybal@foremost.com.",
      "claimType": "official_fact",
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        "source": "FEMA WYO carrier directory",
        "sourceUrl": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
        "value": "Napoleon Roybal, Flood Marketing Manager",
        "adjudicator": {
          "name": "FEMA WYO carrier directory",
          "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6361/service-states",
      "@type": "schema:Claim",
      "name": "Farmers Property & Casualty Insurance Company NFIP service area: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY",
      "text": "FEMA's WYO directory records AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY as the service state(s) for Farmers Property & Casualty Insurance Company's WYO flood insurance program. Verify current availability in your state at FloodSmart.gov or through a licensed agent.",
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        "value": "AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY",
        "adjudicator": {
          "name": "FEMA WYO carrier directory",
          "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6361/boundary",
      "@type": "schema:Claim",
      "name": "What this FEMA WYO carrier record is — and is NOT",
      "text": "This is a verbatim contact record from FEMA's WYO carrier directory. It confirms that Farmers Property & Casualty Insurance Company is authorized to sell NFIP flood insurance policies through the Write-Your-Own program. It is NOT a financial strength rating, a claims history, a price quote, or a guarantee of availability in every ZIP code. For NFIP coverage, contact the carrier directly or a licensed flood insurance agent.",
      "claimType": "interpretation",
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      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
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      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas L5 boundary (WYO directory ≠ financial rating or quote)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/",
        "value": "FEMA WYO directory listing — not a financial rating or coverage quote",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (an in-house reading, not an authority's verdict) — the LOWEST-warrant claim here. A flat representation would render this identically to the official facts; the four-status does not."
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      "name": "Farmers Property & Casualty Insurance Company — FEMA WYO carrier directory",
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            "Warrant": "RECORDED"
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          "item": {
            "Field": "Subsidiaries",
            "Value": "—",
            "Warrant": "RECORDED"
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