# Locus NFIP Claims Property Scan

> Locus NFIP Claims 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 2026-09-14).

Retrieves NFIP (National Flood Insurance Program) claims records and flood risk signals for a US property by address or ZIP code.

## Facts

- Endpoint: POST https://api.locus.report/api/locus-nfip-claims
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-nfip-claims-property-scan-7d3fed8c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_xiQF8ANdjb18Z8hVzKfKc

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-nfip-claims-property-scan-7d3fed8c -d '<json body>'
```

Example prompt: Can you pull the NFIP flood claims history and flood risk signals for 742 Evergreen Terrace, Springfield, IL 62704? I want to know if this property has had any past flood insurance claims before I make an offer.

## When to prefer this

Use this endpoint when you need NFIP flood claims history and flood risk signals for a specific US property or ZIP code, especially during real estate due diligence, property risk assessment, or insurance research. Prefer this over generic property data APIs when flood claim history is the primary concern.

## Known failure modes

- Address not found or unresolvable — records array may be empty
- ZIP code too broad to return parcel-level results — only aggregated signals returned
- Invalid or missing address/zip input — API returns validation error
- No NFIP claims on record — returns empty records array, not an error
- Service temporarily unavailable — HTTP 5xx response

## How this service works

FEMA NFIP flood-insurance claims for a county. Perfect for: 'NFIP claims for a county', 'flood insurance paid claims history', 'FEMA flood loss data for an area', 'flood claim totals for a place'. Returns OpenFEMA NFIP redacted claim history aggregated to the county: total claim count, total paid, year range, and top rated flood zones by claim count. National, no key. County aggregates only, no PII. Historical fact, not a prediction. Charge-free when the lookup fails.

## Output

Returns a JSON object containing an id, a generatedAt timestamp, an array of NFIP flood claim records associated with the property, and any caveats about data availability or 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-nfip-claims-property-scan-7d3fed8c/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)