---
title: "FEMA NFIP flood-insurance claims, aggregated to the county"
method: POST
path: "/api/locus_nfip_claims"
tags: ["flood", "insurance", "fema", "nfip", "claims", "read-only", "free", "free"]
---

# FEMA NFIP flood-insurance claims, aggregated to the county

`POST /api/locus_nfip_claims`

## Request

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

Returns FEMA OpenFEMA NFIP redacted claims aggregated to the county at a US point: count, total paid for building and contents, year range, and top rated flood zones by count. For agents asking about paid flood losses in an area. No personal data. History only, not a prediction, a risk score, or a fact about one property.
Use this when you can call Locus free tools (REST tools/call or MCP).
Use locus-nfip-claims 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)