locus nfip claims derived

{
  "input": {
    "body": {
      "address": "1 E Edenton St, Raleigh, NC 27601"
    },
    "type": "http",
    "method": "POST",
    "bodyType": "json"
  },
  "output": {
    "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": 35.780418000003195,
        "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
      }
    }
  }
}