Wildfire risk at a point (FEMA National Risk Index)

FEMA National Risk Index wildfire rating, 0-100 score, annualized frequency, and expected annual loss for the census tract at a US point. For agents checking a relative tract-level hazard model. Source coverage depends on published tract data; not a property prediction, insurance determination, or safety finding. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-wildfire-risk 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.