# Insurance Location Risk Score

> Insurance Location Risk Score is a paid API for AI agents from x402-service-production-e242.up.railway.app, paid per call via x402, $0.5/call, status unknown (last checked 2026-10-28).

Returns a composite 0-100 natural hazard risk score plus per-peril scores, tiers, and factors for flood, earthquake, wildfire, and hail at a US address or lat/lon — designed for property underwriting and real estate due diligence.

## Facts

- Endpoint: GET https://x402-service-production-e242.up.railway.app/insurance-location-score?utm_source=zero.xyz
- Price: $0.5/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-28
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/insurance-location-risk-score-2ad7efc0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_sSYmZ3ymB7lCuelU3nP6h

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 insurance-location-risk-score-2ad7efc0
```

Example prompt: What's the overall natural hazard risk score and breakdown by peril — flood, earthquake, wildfire, and hail — for 123 Ocean Ave, Malibu, CA 90265?

## When to prefer this

Choose this endpoint when you need a single unified natural hazard risk assessment covering all four major property insurance perils (flood, earthquake, wildfire, hail) for a US location, rather than calling four separate peril-specific endpoints. Ideal for property underwriting workflows, real estate due diligence, and risk triage where a composite score plus per-peril detail is needed in one call. Prefer sibling single-peril endpoints if you only need one peril or deeper detail on a specific hazard.

## Known failure modes

- Address not found or outside the US — returns error or null score
- Lat/lon falls outside coverage datasets — some perils may be unscored
- Invalid input format — malformed address string or out-of-range coordinates
- Payment failure via x402 — 402 Payment Required if USDC not provided
- Peril data not available for a specific region — perilsNotScored list populated

## How this service works

Insurance location risk score for a US street address or lat/lon. One 0-100 natural hazard score plus a score, tier and underlying factors for each of four perils: flood (FEMA flood zone), earthquake (USGS ASCE 7-22), wildfire (USFS Wildfire Risk to Communities, California and Utah state hazard zones) and hail (NOAA storm reports within 10 miles over 20 years). For property underwriting and real estate due diligence.

## Output

A JSON object containing the queried location (lat/lon or address), a composite 0-100 hazard score with tier label (e.g. 'Very High') and the primary driving peril, plus a per-peril breakdown for flood (FEMA zone, special flood hazard area flag), earthquake (SDS, SD1, PGAm, seismic design category), wildfire (annual burn probability, state hazard zone, exposure type), and hail (radius, hail days at 1" and 1.75" thresholds, largest stone size). Also returns the state and lists which perils were and were not scored.

## Request schema (JSON Schema)

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

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "query": {
   "lat": 34.0936,
   "lon": -118.6012,
   "address": null
  },
  "score": {
   "tier": "Very High",
   "score": 96,
   "drivenBy": "earthquake",
   "perilsScored": [
    "earthquake",
    "wildfire",
    "flood",
    "hail"
   ],
   "perilsNotScored": []
  },
  "state": "CA",
  "perils": {
   "hail": {
    "tier": "Very Low",
    "score": 0,
    "factors": {
     "radiusMiles": 10,
     "largestInches": null,
     "hailDays1InchPlus": 0,
     "hailDays1_75InchPlus": 0
    }
   },
   "flood": {
    "tier": "Very Low",
    "score": 15,
    "factors": {
     "floodZone": "X",
     "zoneSubtype": "AREA OF MINIMAL FLOOD HAZARD",
     "inSpecialFloodHazardArea": false
    }
   },
   "wildfire": {
    "tier": "Very High",
    "score": 80,
    "factors": {
     "exposureType": "indirectly exposed",
     "stateHazardZone": "Very High",
     "annualBurnProbability": 0.0101,
     "riskToPotentialStructures": 0.45
    },
    "scoredFrom": "state hazard zone"
   },
   "earthquake": {
    "tier": "Very High",
    "score": 95,
    "factors": {
     "sd1": 1,
     "sds": 1.42,
     "pgaM": 0.79,
     "seismicDesignCategory": "D"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/insurance-location-risk-score-2ad7efc0/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)