Stands up the FastAPI backend with one agent fully wired through the
SSE pipe so the architecture is proven before we fan out the rest:
POST /api/assess → geocode → FEMA NFHL → Gemma 4 interpret
→ agent_update events → complete{dossier}
Verified end-to-end against two cases:
- Houston Allen Pkwy (Zone AE) → is_sfha=true, requires_insurance=true
- Chicago S Drexel (Zone X) → gap_warning generated unprompted,
surfacing the urban-sewer-backup blind spot that is the whole pitch
Smoke-tested Gemma 4 on OpenRouter free tier (scripts/smoke_test.py):
basic completion, reasoning mode, and OpenAI-format tool calls all
pass on google/gemma-4-31b-it:free.
Spec bugs fixed while building:
- llm/client.extract_reasoning read message.reasoning_details[i].content;
the actual key is .text. Also falls back to top-level .reasoning string.
- tools/fema requested VERSION_ID, which does not exist on NFHL layer 28.
ArcGIS returned HTTP 200 with an {"error": ...} b…
