Flood zone designation (FEMA NFHL)

FEMA NFHL flood zone, SFHA, panel, and verification steps at an address, for buyer, owner and lender agents. When BFE is published, adds ground elevation and a ground-minus-BFE estimate. Ground is not the lowest floor; verify with an Elevation Certificate. Not a flood prediction or quote, national. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-flood-zone instead when your client can only call paid x402 routes; it returns the same records. Direct flat-body route for this one free resource; no API key, payment, or catalog wrapper. Return only the cited bounded evidence described here; this route never produces a paid brief or full report.