---
title: "Flood zone designation (FEMA NFHL)"
method: POST
path: "/api/locus_flood_zone"
tags: ["flood", "property", "hazard-designation", "read-only", "free", "free"]
---

# Flood zone designation (FEMA NFHL)

`POST /api/locus_flood_zone`

## Request

- Base URL: `https://api.locus.report`
- URL: `https://api.locus.report/api/locus_flood_zone`
- Auth: none required

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.

## Request body

- object
  - `address` string: Optional US street address or place; NC uses AddressNC first, other areas use the national geocoder fallback when latitude/longitude are not provided.
  - `latitude` number: Optional decimal latitude; provide with longitude to skip address geocoding.
  - `longitude` number: Optional decimal longitude; provide with latitude to skip address geocoding.

## Response `200`

Free cited evidence response.

- object

## Other responses

- `400`: Invalid request body.
- `429`: Rate limited.

---

[API](https://skmtc.dev/locus/apis/locus-api.md) · [All operations](https://skmtc.dev/locus/apis/locus-api/llms.txt) · [OpenAPI document](https://skmtc.dev/locus/apis/locus-api/revisions/ba7786b74adb?raw)