Locus FEMA Events Property Scan

x402

Locus FEMA Events Property Scan is a paid API for AI agents from api.locus.report, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).

Scans FEMA event records, parcel rules, and risk signals for a given US address or ZIP code to surface factors affecting a property's use, cost, or value.

Price / call$0.01

Seller volume →—

Success—

StatusUnknown

How this service works

FEMA disaster declarations by county, NFIP flood-claim history by ZIP, and preliminary FIRM panels at a point for agents checking past events. Returns the same records as locus_fema_events. Use this when your client can only call paid x402 routes. Use locus_fema_events instead when you can call Locus free tools (REST tools/call or MCP).

Output

Returns a JSON object containing a report ID, a list of FEMA event records and risk signals associated with the property, any caveats about data completeness, and a timestamp indicating when the report was generated.

Example use cases

Pre-purchase risk assessment for homebuyer

“I'm thinking about making an offer on a house in the flood-prone area of my town. Can you scan the property at 1247 Riverside Drive, Nashville, TN 37201 and let me know if there are any FEMA disaster events or risk signals I should know about before we proceed?”

Portfolio review for property investors

“We're evaluating a portfolio of 15 properties across different ZIP codes in Louisiana for acquisition. Can you run property scans on these addresses and flag which ones have significant FEMA event history or disaster risk signals that might impact their insurability or future value?”

Real estate agent due diligence

“I need to brief my clients on potential property risks before they tour this listing tomorrow. Can you do a Locus scan of 589 Oak Street, Portland, OR 97214 and pull together what local records, parcel rules, and FEMA-related risk factors exist for that address?”

Technical details

Endpoint

POSThttps://api.locus.report/api/locus-fema-events?utm_source=zero.xyz

When to prefer

Use this endpoint when you need a quick, low-cost property risk scan tied to FEMA event history and local parcel rules for a US address or ZIP code, especially during early-stage real estate research or due diligence. Prefer this over general property APIs when FEMA disaster event data and parcel-level risk signals are the primary concern.

Side effects

Address not found or unresolvable — returns empty records array with caveats
Invalid or missing ZIP/address input — likely 400 error or empty result
Payment not processed (x402 protocol failure) — request blocked before data returned
No FEMA events on record for the location — returns empty records array
Non-US address provided — likely no data returned or error

Input

Schema · Request body

Field	Type	Description
zip	string
state	string
address	string
latitude	number
longitude	number
countyFips3	string

Output

Schema · Response

{
  "type": "json",
  "example": {
    "ok": true,
    "note": "Awareness/diagnostic only. Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.",
    "caveats": [
      "Disaster declarations open dated federal assistance windows; eligibility and deadlines are program-specific - verify on the declaration's FEMA page.",
      "NFIP claims are redacted federal records (no addresses; coarse coordinates); counts reflect filed claims, not all flood losses."
    ],
    "provenance": {
      "lomrs": "https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer/1",
      "source": "FEMA OpenFEMA API + National Flood Hazard Layer services",
      "coverage": "national",
      "nfipClaims": "https://www.fema.gov/api/open/v3/NfipClaims",
      "sourcePage": "https://www.fema.gov/about/openfema/api",
      "declarations": "https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries",
      "preliminaryFirm": "https://hazards.fema.gov/arcgis/rest/services/PrelimPending/Prelim_NFHL/MapServer/0"
    },
    "verifyNext": [
      {
        "url": "https://www.fema.gov/disaster/declarations",
        "step": "Open a declaration's official page for program deadlines."
      },
      {
        "url": "https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer/1",
        "step": "Effective Letters of Map Revision for a county query NFHL layer 1 by DFIRM_ID (county FIPS5 + 'C')."
      }
    ],
    "declarations": [
      {
        "id": "f9b7fb8f-b9de-483b-a597-98c959984478",
        "hash": "4acd89c73cdee8be1738ad6329b1237dda2665a1",
        "state": "NC",
        "region": 4,
        "placeCode": "99183",
        "fyDeclared": 2026,
        "incidentId": "2026012101",
        "lastRefresh": "2026-08-20T20:50:08.994Z",
        "incidentType": "Winter Storm",
        "fipsStateCode": "37",
        "tribalRequest": false,
        "designatedArea": "Wake (County)",
        "disasterNumber": 3637,
        "fipsCountyCode": "183",
        "declarationDate": "2026-01-24T00:00:00.000Z",
        "declarationType": "EM",
        "incidentEndDate": "2026-01-27T00:00:00.000Z",
        "declarationTitle": "SEVERE WINTER STORM",
        "lastIAFilingDate": null,
        "hmProgramDeclared": false,
        "iaProgramDeclared": false,
        "ihProgramDeclared": false,
        "incidentBeginDate": "2026-01-21T00:00:00.000Z",
        "paProgramDeclared": true,
        "disasterCloseoutDate": null,
        "femaDeclarationString": "EM-3637-NC",
        "declarationRequestDate": "2026-01-23T00:00:00.000Z",
        "designatedIncidentTypes": "5,W",
        "declarationRequestNumber": "26016"
      },
      {
        "id": "57300218-94e5-42de-9b19-4cddb5189dbc",
        "hash": "50fbc717253a23843b32e7c1f220a7c3b8e56a43",
        "state": "NC",
        "region": 4,
        "placeCode": "99183",
        "fyDeclared": 2024,
        "incidentId": "2024092301",
        "lastRefresh": "2026-08-20T20:50:08.994Z",
        "incidentType": "Tropical Storm",
        "fipsStateCode": "37",
        "tribalRequest": false,
        "designatedArea": "Wake (County)",
        "disasterNumber": 3617,
        "fipsCountyCode": "183",
        "declarationDate": "2024-09-26T00:00:00.000Z",
        "declarationType": "EM",
        "incidentEndDate": "2024-12-18T00:00:00.000Z",
        "declarationTitle": "HURRICANE HELENE",
        "lastIAFilingDate": null,
        "hmProgramDeclared": false,
        "iaProgramDeclared": false,
        "ihProgramDeclared": false,
        "incidentBeginDate": "2024-09-25T00:00:00.000Z",
        "paProgramDeclared": true,
        "disasterCloseoutDate": "2024-12-19T00:00:00.000Z",
        "femaDeclarationString": "EM-3617-NC",
        "declarationRequestDate": "2024-09-25T00:00:00.000Z",
        "designatedIncidentTypes": "4,8,F,H,M,W",
        "declarationRequestNumber": "24162"
      }
    ],
    "componentStatus": [
      {
        "status": "ok",
        "component": "declarations"
      },
      {
        "status": "unavailable",
        "component": "nfip_claims"
      }
    ]
  }
}

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