property risk full derived

{
  "input": {
    "body": {
      "address": "611 Walker St, Houston, TX 77002",
      "response_mode": "compact"
    },
    "type": "http",
    "method": "POST",
    "bodyType": "json"
  },
  "output": {
    "type": "json",
    "example": {
      "parcel": {
        "found": true,
        "situs": "611 WALKER ST HOUSTON 77002",
        "acreage": 1.4348,
        "parcelId": "0010890000001",
        "provider": "harris",
        "accountId": "0010890000001",
        "confidence": "high",
        "acreage_status": "reported"
      },
      "zoning": {
        "type": "no_conventional_zoning",
        "source": "City of Houston",
        "checked": true,
        "district": null,
        "confidence": "medium",
        "jurisdiction": "City of Houston"
      },
      "land_use": {
        "code": "8001",
        "note": "Land-use code not decoded yet.",
        "label": null,
        "source": "HCAD",
        "checked": true,
        "confidence": "low"
      },
      "flood_zone": {
        "sfha": false,
        "zone": "X",
        "checked": true,
        "confidence": "high",
        "zoneSubtype": "AREA OF MINIMAL FLOOD HAZARD",
        "plain_language": "FEMA maps this point in Zone X, outside the Special Flood Hazard Area and in an area of minimal flood hazard.",
        "flood_risk_class": "minimal_non_sfha"
      },
      "risk_score": 15,
      "match_status": {
        "level": "property_match",
        "reason": "Address and parcel were confirmed by Harris County parcel/CAD situs match.",
        "blocking_warnings": [],
        "usable_for_decision": true
      },
      "address_input": "611 Walker St, Houston, TX 77002",
      "result_status": "completed",
      "permit_history": {
        "items": [],
        "source": "Houston Permitting Center",
        "checked": true,
        "summary": "No permit records found by this API. Verify directly with Houston Permitting Center.",
        "confidence": "medium",
        "jurisdiction": "City of Houston",
        "search_status": "completed_no_records_found"
      },
      "risk_breakdown": {
        "total": 15,
        "factors": [
          {
            "code": "BASE_TRIAGE",
            "label": "Base due-diligence review.",
            "points": 0,
            "source": "Property Risk Passport",
            "category": "parcel"
          },
          {
            "code": "NEAR_FEMA_SFHA",
            "label": "A FEMA Special Flood Hazard Area is within 500 meters.",
            "points": 5,
            "source": "FEMA NFHL",
            "category": "flood"
          },
          {
            "code": "HARRIS_COASTAL_DRAINAGE_INSURANCE_CONTEXT",
            "label": "Harris County has coastal Gulf drainage and insurance due-diligence context.",
            "points": 8,
            "source": "Confirmed parcel context",
            "category": "insurance"
          },
          {
            "code": "LAND_USE_NOT_DECODED",
            "label": "Appraisal land-use code was not decoded.",
            "points": 2,
            "source": "HCAD",
            "category": "data_gap"
          }
        ],
        "calculated": true,
        "risk_level": "low"
      },
      "schema_version": "property-risk-passport.v1",
      "flood_proximity": {
        "source": "FEMA NFHL",
        "checked": true,
        "confidence": "medium",
        "distance_precision": "threshold",
        "search_radius_meters": 1000,
        "nearest_high_risk_zone": "AE",
        "nearest_sfha_distance_meters": null,
        "nearest_sfha_distance_status": "found_within_search_radius",
        "nearest_floodway_distance_meters": null,
        "nearest_floodway_distance_status": "found_within_search_radius"
      },
      "taxing_entities": {
        "items": [
          {
            "name": "HOUSTON ISD",
            "type": "school",
            "amount": null,
            "tax_rate": 0.8783
          },
          {
            "name": "HOUSTON, CITY OF",
            "type": "city",
            "amount": null,
            "tax_rate": 0.51919
          },
          {
            "name": "HARRIS COUNTY",
            "type": "county",
            "amount": null,
            "tax_rate": 0.38096
          }
        ],
        "source": "Harris County / HCAD / Tax Office",
        "checked": true,
        "tax_year": 2025,
        "accountId": "0010890000001",
        "confidence": "high",
        "total_tax_amount": null,
        "estimated_total_tax_rate": 2.29472
      },
      "confidence_score": 100,
      "tax_jurisdictions": {
        "items": [
          {
            "name": "Harris County",
            "type": "county",
            "source": "Confirmed Harris County parcel context"
          },
          {
            "name": "Houston city",
            "type": "city",
            "source": "Confirmed parcel location"
          },
          {
            "name": "Houston ISD",
            "type": "school",
            "source": "Harris County / HCAD / Tax Office"
          }
        ],
        "scope": "property_level",
        "property_level_confirmed": true
      },
      "address_normalized": "611 WALKER ST, HOUSTON, TX 77002",
      "data_quality_score": 82
    }
  }
}