# FEMA Flood Zone Lookup

> FEMA Flood Zone Lookup is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.008/call, status unknown (last checked 2026-10-12).

Returns FEMA flood zone classification, Special Flood Hazard Area flag, zone subtype, and base flood elevation for a US address or coordinates.

## Facts

- Endpoint: GET https://payai.agentstools.dev/hazard/flood?utm_source=zero.xyz
- Price: $0.008/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fema-flood-zone-lookup-e33c70a9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_BzjsGOfQZaWYY-1wqNp9V

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-e33c70a9
```

Example prompt: Is 123 Bayshore Drive, Miami, FL in a FEMA flood zone? I need to know if it's a Special Flood Hazard Area and what the flood zone code and base flood elevation are.

## When to prefer this

Use this endpoint when you need authoritative FEMA flood zone classification for a specific US point — especially for real estate due diligence, flood insurance determination, mortgage compliance, or site risk assessment. Prefer this over general hazard risk endpoints when you specifically need NFIP zone codes (AE, VE, X, etc.) and base flood elevation rather than a composite multi-hazard score.

## Known failure modes

- Address not found or outside the US — geocoding fails, returns error or null result
- Coordinates outside FEMA-mapped coverage area — zone data unavailable
- Invalid lat/lon range — returns validation error
- Neither address nor lat/lon provided — returns missing required parameter error
- FEMA data not yet available for very rural or unmapped areas

## How this service works

FEMA flood-zone lookup for a US point: Special Flood Hazard Area flag, FEMA flood zone (such as AE, VE, X), zone subtype, and base flood elevation, for a US address or coordinates.

## Output

Returns a JSON object containing: a boolean Special Flood Hazard Area flag, the FEMA flood zone designation (e.g., AE, VE, X, X500), the zone subtype description, and the base flood elevation value in feet for the queried US address or coordinate pair.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "lat": {
       "type": "number",
       "description": "Latitude [-90,90] (with lon)"
      },
      "lon": {
       "type": "number",
       "description": "Longitude [-180,180] (with lat)"
      },
      "address": {
       "type": "string",
       "description": "US street address (auto-geocoded)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fema-flood-zone-lookup-e33c70a9/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)