{"uid":"cap_Mj_3SGE0TdX43iuiDF0B7","slug":"locus-fema-events-property-scan-52090bce","name":"Locus FEMA Events Property Scan","description":"FEMA disaster declarations by county, NFIP flood-claim history by ZIP, and preliminary FIRM panels at a point for agents checking past events. Returns the same records as locus_fema_events. Use this when your client can only call paid x402 routes. Use locus_fema_events instead when you can call Locus free tools (REST tools/call or MCP).","url":"https://api.locus.report/api/locus-fema-events?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"zip":{"type":"string","maxLength":10,"minLength":5},"state":{"type":"string","maxLength":2,"minLength":2},"address":{"type":"string"},"latitude":{"type":"number","maximum":90,"minimum":-90},"longitude":{"type":"number","maximum":180,"minimum":-180},"countyFips3":{"type":"string","maxLength":3,"minLength":1}}},"responseSchema":{"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.","caveats":["Disaster declarations open dated federal assistance windows; eligibility and deadlines are program-specific - verify on the declaration's FEMA page.","NFIP claims are redacted federal records (no addresses; coarse coordinates); counts reflect filed claims, not all flood losses."],"provenance":{"lomrs":"https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer/1","source":"FEMA OpenFEMA API + National Flood Hazard Layer services","coverage":"national","nfipClaims":"https://www.fema.gov/api/open/v3/NfipClaims","sourcePage":"https://www.fema.gov/about/openfema/api","declarations":"https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries","preliminaryFirm":"https://hazards.fema.gov/arcgis/rest/services/PrelimPending/Prelim_NFHL/MapServer/0"},"verifyNext":[{"url":"https://www.fema.gov/disaster/declarations","step":"Open a declaration's official page for program deadlines."},{"url":"https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer/1","step":"Effective Letters of Map Revision for a county query NFHL layer 1 by DFIRM_ID (county FIPS5 + 'C')."}],"declarations":[{"id":"f9b7fb8f-b9de-483b-a597-98c959984478","hash":"4acd89c73cdee8be1738ad6329b1237dda2665a1","state":"NC","region":4,"placeCode":"99183","fyDeclared":2026,"incidentId":"2026012101","lastRefresh":"2026-08-20T20:50:08.994Z","incidentType":"Winter Storm","fipsStateCode":"37","tribalRequest":false,"designatedArea":"Wake (County)","disasterNumber":3637,"fipsCountyCode":"183","declarationDate":"2026-01-24T00:00:00.000Z","declarationType":"EM","incidentEndDate":"2026-01-27T00:00:00.000Z","declarationTitle":"SEVERE WINTER STORM","lastIAFilingDate":null,"hmProgramDeclared":false,"iaProgramDeclared":false,"ihProgramDeclared":false,"incidentBeginDate":"2026-01-21T00:00:00.000Z","paProgramDeclared":true,"disasterCloseoutDate":null,"femaDeclarationString":"EM-3637-NC","declarationRequestDate":"2026-01-23T00:00:00.000Z","designatedIncidentTypes":"5,W","declarationRequestNumber":"26016"},{"id":"57300218-94e5-42de-9b19-4cddb5189dbc","hash":"50fbc717253a23843b32e7c1f220a7c3b8e56a43","state":"NC","region":4,"placeCode":"99183","fyDeclared":2024,"incidentId":"2024092301","lastRefresh":"2026-08-20T20:50:08.994Z","incidentType":"Tropical Storm","fipsStateCode":"37","tribalRequest":false,"designatedArea":"Wake (County)","disasterNumber":3617,"fipsCountyCode":"183","declarationDate":"2024-09-26T00:00:00.000Z","declarationType":"EM","incidentEndDate":"2024-12-18T00:00:00.000Z","declarationTitle":"HURRICANE HELENE","lastIAFilingDate":null,"hmProgramDeclared":false,"iaProgramDeclared":false,"ihProgramDeclared":false,"incidentBeginDate":"2024-09-25T00:00:00.000Z","paProgramDeclared":true,"disasterCloseoutDate":"2024-12-19T00:00:00.000Z","femaDeclarationString":"EM-3617-NC","declarationRequestDate":"2024-09-25T00:00:00.000Z","designatedIncidentTypes":"4,8,F,H,M,W","declarationRequestNumber":"24162"}],"componentStatus":[{"status":"ok","component":"declarations"},{"status":"unavailable","component":"nfip_claims"}]}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_YGTVFuMnXiKpkJFN3dm_v","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Scans FEMA event records, parcel rules, and risk signals for a given US address or ZIP code to surface factors affecting a property's use, cost, or value.","exampleAgentPrompt":"Can you run a Locus property scan on 742 Evergreen Terrace, Springfield, IL 62704 and tell me what FEMA events, parcel rules, or risk signals might affect that property?","exampleUseCases":[{"title":"Pre-purchase risk assessment for homebuyer","prompt":"I'm thinking about making an offer on a house in the flood-prone area of my town. Can you scan the property at 1247 Riverside Drive, Nashville, TN 37201 and let me know if there are any FEMA disaster events or risk signals I should know about before we proceed?"},{"title":"Portfolio review for property investors","prompt":"We're evaluating a portfolio of 15 properties across different ZIP codes in Louisiana for acquisition. Can you run property scans on these addresses and flag which ones have significant FEMA event history or disaster risk signals that might impact their insurability or future value?"},{"title":"Real estate agent due diligence","prompt":"I need to brief my clients on potential property risks before they tour this listing tomorrow. Can you do a Locus scan of 589 Oak Street, Portland, OR 97214 and pull together what local records, parcel rules, and FEMA-related risk factors exist for that address?"}],"resultDescription":"Returns a JSON object containing a report ID, a list of FEMA event records and risk signals associated with the property, any caveats about data completeness, and a timestamp indicating when the report was generated.","failureModes":["Address not found or unresolvable — returns empty records array with caveats","Invalid or missing ZIP/address input — likely 400 error or empty result","Payment not processed (x402 protocol failure) — request blocked before data returned","No FEMA events on record for the location — returns empty records array","Non-US address provided — likely no data returned or error"],"whenToPreferThis":"Use this endpoint when you need a quick, low-cost property risk scan tied to FEMA event history and local parcel rules for a US address or ZIP code, especially during early-stage real estate research or due diligence. Prefer this over general property APIs when FEMA disaster event data and parcel-level risk signals are the primary concern.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T07:14:44.579Z","isFirstParty":false,"canonicalSlug":"locus-fema-events-property-scan-52090bce"}