# FEMA National Risk Index – County Natural-Hazard Risk Scores by State

> FEMA National Risk Index – County Natural-Hazard Risk Scores by State is a paid API for AI agents from api.querylines.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Returns FEMA National Risk Index Expected Annual Loss and risk scores (0–100) for all counties in a U.S. state, optionally filtered to a specific peril (composite or one of 18 hazards), ranked by loss.

## Facts

- Endpoint: GET https://api.querylines.com/v1/hazard
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fema-national-risk-index-county-natural-hazard-risk-scores-by-state-545f4761
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_V_ErWbP5UgpGMqsQv43dr

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-national-risk-index-county-natural-hazard-risk-scores-by-state-545f4761
```

Example prompt: Pull the FEMA National Risk Index wildfire risk scores and expected annual loss for all counties in California, ranked by loss.

## When to prefer this

Choose this endpoint when you need FEMA-sourced, county-level natural hazard risk data for an entire U.S. state, either as a composite risk score or broken down by a specific peril. It is ideal for insurance underwriting research, real estate risk analysis, climate risk enrichment, or regulatory compliance work that requires authoritative public-domain government risk data rather than proprietary estimates.

## Known failure modes

- Missing or invalid state code returns a 400/422 error
- Unknown peril slug returns an error or empty result
- State code for a non-U.S. territory not covered returns no data
- Rate limiting or payment failure (x402) returns 402 Payment Required
- Requesting a peril not in FEMA's 18 NRI hazard categories returns an error

## How this service works

County natural-hazard risk scores for a U.S. state and peril from the FEMA National Risk Index: Expected Annual Loss ($), EAL/Risk scores (0-100) and ratings, ranked by loss. composite or one of 18 hazards (wildfire, coastal flooding, hurricane, earthquake, ...). Public-domain FEMA data. $0.10 per query. Free discovery: /v1/hazard/sample. Docs: https://api.querylines.com/openapi.json

## Output

A list of counties in the requested U.S. state with their FEMA National Risk Index Expected Annual Loss (in dollars), EAL risk scores on a 0–100 scale, risk ratings, and rankings — either for composite natural hazard risk or for a specified single peril such as wildfire, hurricane, earthquake, or coastal flooding.

## 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"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "state"
     ],
     "properties": {
      "peril": {
       "type": "string",
       "default": "composite",
       "description": "composite (default) or an NRI hazard slug"
      },
      "state": {
       "type": "string",
       "description": "2-letter state/territory code"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "count": 3,
  "peril": "wildfire",
  "state": "CA",
  "source": "FEMA National Risk Index (County), December 2025 (v1.20.0)",
  "counties": [
   {
    "fips": "06073",
    "county": null,
    "eal_score": 100,
    "eal_total": 430155987,
    "eal_rating": "Very High",
    "population": 3298634,
    "risk_score": 99.8,
    "county_name": "San Diego",
    "risk_rating": "Very High",
    "sovi_rating": "Relatively Moderate"
   },
   {
    "fips": "06065",
    "county": null,
    "eal_score": 99.9,
    "eal_total": 346642805,
    "eal_rating": "Very High",
    "population": 2418185,
    "risk_score": 99.4,
    "county_name": "Riverside",
    "risk_rating": "Very High",
    "sovi_rating": "Relatively High"
   },
   {
    "fips": "06037",
    "county": null,
    "eal_score": 99.7,
    "eal_total": 155191812,
    "eal_rating": "Very High",
    "population": 10105518,
    "risk_score": 100,
    "county_name": "Los Angeles",
    "risk_rating": "Very High",
    "sovi_rating": "Relatively High"
   }
  ],
  "data_as_of": "1.20.0",
  "report_date": "2026-07-14",
  "coverage_note": "Hazard scores are FEMA National Risk Index (NRI) county-level figures ... not endorsed by FEMA."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fema-national-risk-index-county-natural-hazard-risk-scores-by-state-545f4761/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.querylines.com](https://www.zero.xyz/host/api.querylines.com/llms.txt)