# Locus Flood Zone Property Scan

> Locus Flood Zone 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 2026-09-16).

Scans local records, parcel rules, flood zone data, and risk signals for a US property given an address or ZIP code.

## Facts

- Endpoint: POST https://api.locus.report/api/locus-flood-zone
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-flood-zone-property-scan-d8889c12
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_wh-I567981qKJBk453Ypj

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 locus-flood-zone-property-scan-d8889c12 -d '<json body>'
```

Example prompt: Can you run a Locus flood zone scan on 742 Evergreen Terrace, Springfield, IL 62704 and tell me what flood risk, parcel rules, or property use restrictions come up?

## When to prefer this

Use this endpoint when you need a quick, low-cost ($0.05) preliminary property scan for flood zone classification and risk signals on a US address, especially early in a property research or due diligence workflow before committing to deeper paid reports.

## Known failure modes

- Address not found or unresolvable — returns empty records array with caveats
- Invalid or missing address and ZIP — likely 400 error or empty result
- Property outside US — not supported, likely empty or error response
- Payment not received (x402) — request rejected before processing
- Data unavailable for rural or sparse parcel regions — records array may be empty

## How this service works

FEMA flood zone for an address. Perfect for: 'flood zone for an address', 'FEMA flood designation', 'is this property in a floodplain', 'is this address in a 100-year flood zone', 'flood risk lookup'. Returns the FEMA NFHL flood-zone designation, 0.2%-annual-chance and BFE/floodway flags at the geocoded point, with source provenance. National. Not a flood insurance quote or a safe/unsafe verdict. Charge-free when the flood lookup fails.

## Output

A JSON object containing a scan ID, list of property records (parcel rules, flood zone classification, risk signals), generation timestamp, and any applicable caveats about data completeness or source limitations.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "address": {
   "type": "string",
   "maxLength": 200,
   "minLength": 5
  },
  "latitude": {
   "type": "number",
   "maximum": 90,
   "minimum": -90
  },
  "longitude": {
   "type": "number",
   "maximum": 180,
   "minimum": -180
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "id": "locus_example",
  "caveats": [
   "Example artifact; not live data."
  ],
  "records": [],
  "generatedAt": "2026-01-01T00:00:00.000Z"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/locus-flood-zone-property-scan-d8889c12/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.locus.report](https://www.zero.xyz/host/api.locus.report/llms.txt)