# FEMA NFIP Flood Insurance Claims Lookup

> FEMA NFIP Flood Insurance Claims Lookup is a paid API for AI agents from 2s.io, paid per call via x402, $0.0018/call, status unknown (last checked 2026-10-10, last successful call 2026-07-06).

Returns FEMA National Flood Insurance Program (NFIP) historical claims records filtered by US state, county, ZIP code, and year range

## Facts

- Endpoint: GET https://2s.io/api/gov/nfip-claims?utm_source=zero.xyz
- Price: $0.0018/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-10
- Last successful call: 2026-07-06
- Success rate: 67% of calls made through Zero
- Activations on Zero: 8
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fema-nfip-flood-insurance-claims-lookup-dbc74392
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_oI3_oSh8BRv0xJFa0SwZk

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-nfip-flood-insurance-claims-lookup-dbc74392
```

Example prompt: Pull up FEMA NFIP flood insurance claims for Harris County, Texas (FIPS 48201) from 2017, up to 50 records — I want to see the water depth, cause of damage, flood zone, and how much was paid out per claim.

## When to prefer this

Use this endpoint when you need authoritative, ground-truth historical NFIP flood insurance claim data from FEMA for a specific US state, county, or ZIP code. Prefer this over general web search when you need structured, queryable claim-level data including payouts, water depth, and flood zone classifications. Ideal for flood risk research, real estate due diligence, insurance analysis, or disaster impact assessment.

## Known failure modes

- Missing required 'state' parameter returns a 400 or validation error
- Invalid state code (not a 2-letter US code) returns no results or an error
- County FIPS code does not match the provided state, returning zero results
- Year range with yearFrom > yearTo yields empty result set
- Limit outside 1-50 range may be clamped or rejected
- Payment failure via x402 if USDC balance is insufficient

## How this service works

The (most) everything API: 575+ pay-per-call endpoints for AI agents — ground-truth data, a full AI gateway, and agent infrastructure (storage, queues, watchers). USDC via x402, no signup, no API keys, and upto billing: pay actual usage, not the quote.

## Output

Returns an array of up to 50 NFIP flood claim records including date of loss, water depth, cause of damage, rated flood zone, total amount paid, net building and contents payments, and geolocation (lat/lon, ZIP, census tract). Also returns summary statistics (total paid, average paid) and the total count of matching claims in the dataset.

## 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",
    "queryParams"
   ],
   "properties": {
    "type": {
     "const": "http"
    },
    "method": {
     "const": "GET"
    },
    "queryParams": {
     "required": [
      "state"
     ],
     "properties": {
      "zip": {
       "type": "string",
       "description": "Reported ZIP code."
      },
      "limit": {
       "type": "integer",
       "description": "Max claim records (1-50, default 10)."
      },
      "state": {
       "type": "string",
       "description": "2-letter US state/territory code (required)."
      },
      "county": {
       "type": "string",
       "description": "5-digit county FIPS (e.g. 48201)."
      },
      "yearTo": {
       "type": "integer",
       "description": "Latest year of loss (inclusive)."
      },
      "yearFrom": {
       "type": "integer",
       "description": "Earliest year of loss (inclusive)."
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fema-nfip-flood-insurance-claims-lookup-dbc74392/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from 2s.io](https://www.zero.xyz/host/2s.io/llms.txt)