Locus NFIP Claims Property Scan

{
  "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.",
    "point": {
      "latitude": 35.78041800000319,
      "longitude": -78.63910200000142
    },
    "capped": false,
    "county": {
      "name": "Wake County",
      "fips5": "37183",
      "state": "NC"
    },
    "caveats": [
      "NFIP claims are REDACTED federal records aggregated to the COUNTY here - no address, owner, or other personally identifiable information.",
      "These are paid flood-insurance claims only, not all flood losses and not all insurance claims; many flood-damaged properties carry no NFIP policy.",
      "A claim count or dollar total is a historical fact for the county, NOT a prediction, a risk score, or a statement about any specific property."
    ],
    "coverage": "covered",
    "yearRange": {
      "to": 2026,
      "from": 1978
    },
    "claimCount": 1642,
    "provenance": {
      "source": "FEMA OpenFEMA - NfipClaims v3 (redacted, county-aggregated)",
      "coverage": "national (NFIP-participating communities), county FIPS",
      "endpoint": "https://www.fema.gov/api/open/v3/NfipClaims",
      "sourcePage": "https://www.fema.gov/openfema-data-page/nfip-redacted-claims-v3"
    },
    "verifyNext": [
      {
        "url": "https://www.fema.gov/openfema-data-page/nfip-redacted-claims-v3",
        "step": "Open the NfipClaims v3 dataset on OpenFEMA to inspect the underlying redacted rows."
      },
      {
        "url": "https://hazards.fema.gov/femaportal/wps/portal/NFHLWMS",
        "step": "Check the FEMA National Flood Hazard Layer for the current mapped flood zone at the address."
      }
    ],
    "totalPaidUsd": 31252564,
    "topFloodZones": [
      {
        "zone": "AE",
        "claims": 681
      },
      {
        "zone": "X",
        "claims": 499
      },
      {
        "zone": "A13",
        "claims": 119
      },
      {
        "zone": "C",
        "claims": 59
      },
      {
        "zone": "(unrated)",
        "claims": 51
      },
      {
        "zone": "A04",
        "claims": 46
      },
      {
        "zone": "A03",
        "claims": 28
      },
      {
        "zone": "B",
        "claims": 24
      }
    ],
    "claimsAnalyzed": 1642,
    "mitigationHistory": {
      "capped": false,
      "status": "ok",
      "caveats": [
        "Mitigation sites are aggregated to the COUNTY here. No property-level attribute is returned: the source rows carry purchase price, building size, elevation and tenancy fields that could identify a specific bought-out home.",
        "These are FEMA-funded project sites only. Buyouts and elevations funded by states, counties, or municipalities without FEMA assistance are not represented, so this understates total mitigation activity.",
        "A project site is a historical record of work funded or proposed, not a flood prediction, a statement about any specific property, or an indication of current flood risk.",
        "Where FEMA mitigation money went reflects grant applications and local capacity as well as hazard; a low count does not mean low flood exposure."
      ],
      "siteCount": 150,
      "activities": [
        {
          "sites": 87,
          "activity": "Acquisition"
        },
        {
          "sites": 32,
          "activity": "Other"
        },
        {
          "sites": 28,
          "activity": "Elevation"
        },
        {
          "sites": 1,
          "activity": "Floodproofing"
        },
        {
          "sites": 1,
          "activity": "Flood Mitigation"
        },
        {
          "sites": 1,
          "activity": "Tornado saferoom"
        }
      ],
      "provenance": {
        "source": "FEMA Hazard Mitigation Assistance subapplication project site inventories (OpenFEMA)",
        "coverage": "national (HMGP / FMA / BRIC programs), aggregated to county",
        "serviceUrl": "https://www.fema.gov/api/open/v1/HmaSubapplicationsProjectSiteInventories",
        "sourcePage": "https://www.fema.gov/about/openfema/data-sets"
      },
      "sitesAnalyzed": 150,
      "acquisitionSites": 87,
      "subapplicationCount": 35,
      "substantiallyDamagedSites": 84
    }
  }
}