# FEMA Flood Zone Lookup

> FEMA Flood Zone Lookup is a paid API for AI agents from x402-service-production-e242.up.railway.app, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-28).

Returns FEMA National Flood Hazard Layer flood zone classification and risk description for a given US address or lat/lng coordinates.

## Facts

- Endpoint: GET https://x402-service-production-e242.up.railway.app/flood-risk?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-28
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fema-flood-zone-lookup-22251b49
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_QS5TJgokug1hoswSDJeaG

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability fema-flood-zone-lookup-22251b49
```

Example prompt: What is the FEMA flood zone for 1234 Main Street, Houston, TX 77002 — specifically whether it falls in a special flood hazard area like Zone AE?

## When to prefer this

Choose this endpoint when you need authoritative FEMA flood zone classification (Zone AE, X, VE, etc.) for a specific US property address or coordinate pair, especially for real estate due diligence, insurance underwriting, mortgage compliance, or environmental risk reporting. It is preferable over generic hazard scores when the exact FEMA zone code is required for regulatory or insurance purposes.

## Known failure modes

- Address outside the US or unresolvable by geocoder returns an error or null flood zone
- Invalid or missing coordinates/address parameters return a 400-level error
- Properties in unmapped rural areas may return no flood zone data
- Temporary FEMA NFHL service outages may cause lookup failures
- Ambiguous address strings that match multiple locations may return unexpected results

## How this service works

FEMA flood-zone lookup by street address or lat/lng coordinates.

## Output

Returns a JSON object containing the queried coordinates or address, the FEMA flood zone code (e.g. AE, X, VE), a plain-English description of the zone's flood hazard level (e.g. '1% annual chance flood hazard'), the resolved address if geocoded, and the data source attribution (FEMA National Flood Hazard Layer).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "properties": {
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "query": {
   "lat": 29.7604,
   "lon": -95.3698,
   "address": null
  },
  "source": "FEMA National Flood Hazard Layer",
  "floodZone": "AE",
  "resolvedAddress": null,
  "zoneDescription": "1% annual chance flood hazard"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fema-flood-zone-lookup-22251b49/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402-service-production-e242.up.railway.app](https://www.zero.xyz/host/x402-service-production-e242.up.railway.app/llms.txt)