{"uid":"cap_TB-bpGoDSKLrFUj0PHEXQ","slug":"2s-flood-zone-lookup-cee9f103","name":"2s Flood Zone Lookup","description":"Determine the FEMA flood zone for a coordinate. Pass lat and lon. Returns the FEMA flood zone code (e.g. AE, VE, X), its subtype, whether the point is in a Special Flood Hazard Area (isSFHA — the 1% annual-chance floodplain where flood insurance is mandatory for federally backed mortgages), a plain-language risk level (high / moderate / minimal / undetermined / unmapped) and description, the static base flood elevation and depth when published, and the source FIRM panel id. Data: FEMA National Flood Hazard Layer (NFHL), free and public-domain. When no flood polygon intersects the point, returns mapped=false (usually Zone X / minimal risk or unmapped — not a guarantee of zero risk). Use for property risk screening, insurance/mortgage context, and siting decisions; geocode an address with /api/geocode/address first to get the coordinate.","url":"https://2s.io/api/geo/flood-zone?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method","queryParams"],"properties":{"type":{"const":"http"},"method":{"const":"GET"},"queryParams":{"required":["lat","lon"],"properties":{"lat":{"type":"number","maximum":90,"minimum":-90,"description":"Latitude (WGS84)."},"lon":{"type":"number","maximum":180,"minimum":-180,"description":"Longitude (WGS84)."}}}}}}},"responseSchema":null,"example":{"request":{"input":{"type":"http","method":"GET","queryParams":{"lat":40.7128,"lon":-74.006}}},"response":{"data":{"note":null,"depth":null,"query":{"lat":40.7128,"lon":-74.006},"isSFHA":false,"mapped":true,"sources":[{"url":"https://www.fema.gov/flood-maps/national-flood-hazard-layer","license":"Public domain (US government work)","provider":"FEMA National Flood Hazard Layer (NFHL)"}],"floodZone":"X","riskLevel":"minimal","staticBFE":null,"firmPanelId":"360497","zoneSubtype":"AREA OF MINIMAL FLOOD HAZARD","sourceCitation":"360497_FIS1","zoneDescription":"Minimal risk: outside the 0.2% annual-chance floodplain."},"meta":{"cost":{"usd":0.00144,"tier":0},"caller":"x402","version":null,"endpoint":"geo.flood-zone","settlement":{"txHash":"0x8193967f75b49379969d70b03ea9e0f05b78da7948add0b2041d2cc98d7b6cf2","network":"eip155:8453","success":true}}}},"exampleRequest":{"lat":40.7128,"lon":-74.006},"tags":["x402"],"displayCostAmount":"0.00144","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","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":"$0.00144/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.0036","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.0036","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_vtSYBSxiIRA2eYrxeTMSK","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.0036","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns FEMA flood zone classification, risk level, and Special Flood Hazard Area (SFHA) status for a given latitude/longitude coordinate.","exampleAgentPrompt":"Is the property at latitude 25.79, longitude -80.19 in a FEMA Special Flood Hazard Area, and what flood zone code applies to it?","exampleUseCases":[{"title":"Verify flood insurance requirements before closing","prompt":"Check if the house we're about to buy at 40.7128, -74.0060 is in a high-risk flood zone and whether it'll require flood insurance."},{"title":"Screen investment properties for flood risk","prompt":"I'm looking at several commercial parcels in the area—can you run flood zone checks for these coordinates: 34.0522, -118.2437 and 33.7490, -84.3880, and tell me which ones are in Special Flood Hazard Areas?"},{"title":"Environmental assessment for land development","prompt":"We're planning a new residential development and need to know the Base Flood Elevation and FEMA flood zone classification for this site at latitude 41.8781, longitude -87.6298 to determine if drainage improvements are necessary."}],"resultDescription":"Returns a JSON object with: the queried coordinates, a boolean isSFHA flag, a mapped flag, the FEMA flood zone code (e.g. AE, X, VE), a plain-English risk level (e.g. high, moderate, low), static Base Flood Elevation in feet, the FIRM panel ID, a human-readable zone description, and the data source (FEMA NFHL).","failureModes":["Coordinates outside the United States or unmapped areas may return mapped:false with no zone data","Invalid lat/lon values (out of -90/90 or -180/180 range) will cause a validation error","Locations in areas without NFHL coverage return incomplete results","Payment failure (insufficient USDC balance) results in HTTP 402"],"whenToPreferThis":"Use this endpoint when you need authoritative FEMA flood zone data for a specific geographic point — especially for real estate due diligence, insurance requirement checks, mortgage compliance, or environmental risk assessment. Prefer this over general property APIs when you need the official FIRM panel ID, SFHA designation, or Base Flood Elevation from the FEMA NFHL source.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-12T12:48:44.342Z","isFirstParty":false,"canonicalSlug":"2s-flood-zone-lookup-cee9f103"}