# FEMA National Risk Index + Flood Zone Lookup

> FEMA National Risk Index + Flood Zone Lookup is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-15).

Returns a composite natural-hazard risk profile for a US location, combining FEMA National Risk Index scores (18 hazards, expected annual loss, social vulnerability) and FEMA flood zone designation as a single cited JSON verdict.

## Facts

- Endpoint: GET https://payai.agentstools.dev/hazard/risk
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fema-national-risk-index-flood-zone-lookup-9912c5fe
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_QzPsvlD_yLVZfkf_b3ipo

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-flood-zone-lookup-9912c5fe
```

Example prompt: What's the full natural-hazard risk profile for 123 Main St, Austin TX 78701 — I want the FEMA National Risk Index composite score, expected annual loss, social vulnerability, and whether it's in a FEMA flood zone.

## When to prefer this

Use this endpoint when you need a single, authoritative, multi-hazard risk verdict for a US property or location backed by official FEMA data. Ideal for real estate due diligence, insurance underwriting, climate risk screening, or emergency planning workflows where both composite risk index scores and flood zone classification are needed together. Prefer over manually querying separate FEMA portals when you need structured JSON output from one call.

## Known failure modes

- Address not found or outside US — geocoding fails, returns error with no risk data
- Invalid FIPS code — returns 400-level error
- Lat/lon outside US bounds — returns error or no data
- Census tract not in NRI dataset — partial or missing hazard scores
- Payment not completed — returns 402 Payment Required before data is served

## How this service works

US property/location natural-hazard risk profile: FEMA National Risk Index composite (18 hazards, expected annual loss, social vulnerability) plus the FEMA flood zone, as one cited JSON verdict for a US address, coordinates, or FIPS.

## Output

A JSON object containing the FEMA National Risk Index composite risk score, expected annual loss, social vulnerability index, individual scores for up to 18 natural hazards (e.g. hurricane, earthquake, wildfire, tornado, flooding), and the FEMA flood zone designation for the queried US address, coordinates, or FIPS code — with citations to official FEMA data sources.

## 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)"
      },
      "fips": {
       "type": "string",
       "description": "5-digit county or 11-digit census-tract FIPS"
      },
      "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-national-risk-index-flood-zone-lookup-9912c5fe/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)