> ## Documentation Index
> Fetch the complete documentation index at: https://docs.oneshotagent.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Flood Insurance Claims

> List redacted flood insurance claims for a US ZIP code, county or census tract.

Lists National Flood Insurance Program claims for a US ZIP code, county or census tract, newest loss first, from the US Federal Emergency Management Agency's redacted claims: loss date, flood event, cause, flood zone, amounts paid and damage. Total counts every match and can exceed the page returned. Claims are redacted; locations are approximate.

This product uses the Federal Emergency Management Agency's OpenFEMA data but is not endorsed by FEMA. The claims are redacted by FEMA; they must not be used to identify a policyholder.

## Authentication

Requires x402 payment in the `payment-signature` header.

## Request Body

**zip\_code** `string`

Five-digit ZIP code.

**county\_fips** `string`

Five-digit county FIPS code.

**census\_tract** `string`

Eleven-digit census tract GEOID.

**loss\_after** `string`

Losses on or after this date, YYYY-MM-DD. Use YYYY-MM-DD.

**loss\_before** `string`

Losses on or before this date, YYYY-MM-DD. Use YYYY-MM-DD.

**limit** `integer`

Most claims returned, newest loss first; default 25. From 1 to 100.

<Snippet file="audit-context-params.mdx" />

## Response (200 OK)

Top-level envelope: `success` (boolean) and `data` (object). All fields below are nested under `data`.

**data.request\_id** `string`

Durable job ID for audit and lookup

**data.status** `string`

Job status: `completed`

**data.tool** `string`

Always `place_flood_claims`

**data.result** `object`

The answer, described under Result below

**data.evidence** `object`

Where the answer came from and when

**data.evidence.source** `string`

The public body the data comes from. Always `US Federal Emergency Management Agency`.

**data.evidence.source\_kind** `string`

`public` when the data comes from a public body, `commercial` otherwise

**data.evidence.retrieved\_at** `string`

When the lookup was made, as an ISO 8601 UTC time

**data.evidence.as\_of** `string | null`

The newest record date FEMA stamps on the claims returned; null when none were returned.

## Result

Nested under `data.result`.

**data.result.area** `object`

Area.

**data.result.area.kind** `string`

Kind.

**data.result.area.id** `string`

Id.

**data.result.total** `number`

All claims matching the area and dates, not just the returned page.

**data.result.claims** `object[]`

Claims.

**data.result.claims\[].claim\_id** `number | null`

Claim id. `null` when the source gives no value.

**data.result.claims\[].loss\_date** `string | null`

Loss date. `null` when the source gives no value.

**data.result.claims\[].loss\_year** `number | null`

Loss year. `null` when the source gives no value.

**data.result.claims\[].flood\_event** `string | null`

Flood event. `null` when the source gives no value.

**data.result.claims\[].event\_designation** `string | null`

Event designation. `null` when the source gives no value.

**data.result.claims\[].cause\_code** `string | null`

Cause code. `null` when the source gives no value.

**data.result.claims\[].cause** `string | null`

Cause. `null` when the source gives no value.

**data.result.claims\[].rated\_flood\_zone** `string | null`

Rated flood zone. `null` when the source gives no value.

**data.result.claims\[].current\_flood\_zone** `string | null`

Current flood zone. `null` when the source gives no value.

**data.result.claims\[].building\_paid\_usd** `number | null`

Building paid usd. `null` when the source gives no value.

**data.result.claims\[].contents\_paid\_usd** `number | null`

Contents paid usd. `null` when the source gives no value.

**data.result.claims\[].compliance\_paid\_usd** `number | null`

Compliance paid usd. `null` when the source gives no value.

**data.result.claims\[].building\_damage\_usd** `number | null`

Building damage usd. `null` when the source gives no value.

**data.result.claims\[].contents\_damage\_usd** `number | null`

Contents damage usd. `null` when the source gives no value.

**data.result.claims\[].occupancy\_code** `number | null`

Occupancy code. `null` when the source gives no value.

**data.result.claims\[].occupancy** `string | null`

Occupancy. `null` when the source gives no value.

**data.result.claims\[].primary\_residence** `boolean | null`

Primary residence. `null` when the source gives no value.

**data.result.claims\[].state** `string | null`

State. `null` when the source gives no value.

**data.result.claims\[].county\_fips** `string | null`

County fips. `null` when the source gives no value.

**data.result.claims\[].zip\_code** `string | null`

Zip code. `null` when the source gives no value.

**data.result.claims\[].census\_tract** `string | null`

Census tract. `null` when the source gives no value.

**data.result.claims\[].latitude** `number | null`

Latitude. `null` when the source gives no value.

**data.result.claims\[].longitude** `number | null`

Longitude. `null` when the source gives no value.

```bash cURL theme={null}
curl -X POST https://win.oneshotagent.com/v1/tools/lookup/place-flood-claims \
  -H "Content-Type: application/json" \
  -H "payment-signature: <base64 x402 payment>" \
  -d '{
    "zip_code": "23452",
    "limit": 2
  }'
```

```javascript JavaScript theme={null}
const response = await fetch("https://win.oneshotagent.com/v1/tools/lookup/place-flood-claims", {
  method: "POST",
  headers: {
    "Content-Type": "application/json",
    "payment-signature": paymentProof,
  },
  body: JSON.stringify({
    "zip_code": "23452",
    "limit": 2
  }),
});
```

```typescript SDK theme={null}
const result = await agent.tool('lookup/place-flood-claims', {
  zip_code: '23452',
  limit: 2
});
console.log(result.result);
console.log(result.evidence);
```

```json Response (200) theme={null}
{
  "success": true,
  "data": {
    "request_id": "uuid",
    "receipt_id": "rcpt_...",
    "status": "completed",
    "tool": "place_flood_claims",
    "result": {
      "area": {
        "kind": "zip_code",
        "id": "23452"
      },
      "total": 1691,
      "claims": [
        {
          "claim_id": 6088518,
          "loss_date": "2025-09-16",
          "loss_year": 2025,
          "flood_event": null,
          "event_designation": null,
          "cause_code": "4",
          "cause": "accumulation of rainfall or snowmelt",
          "rated_flood_zone": "AE",
          "current_flood_zone": null,
          "building_paid_usd": 22850.59,
          "contents_paid_usd": 0,
          "compliance_paid_usd": 0,
          "building_damage_usd": 23512,
          "contents_damage_usd": 0,
          "occupancy_code": 11,
          "occupancy": "single-family residential",
          "primary_residence": true,
          "state": "VA",
          "county_fips": "51810",
          "zip_code": "23452",
          "census_tract": "51810045414",
          "latitude": 36.8,
          "longitude": -76.1
        },
        {
          "claim_id": 6599786,
          "loss_date": "2025-09-16",
          "loss_year": 2025,
          "flood_event": null,
          "event_designation": null,
          "cause_code": "4",
          "cause": "accumulation of rainfall or snowmelt",
          "rated_flood_zone": "AE",
          "current_flood_zone": null,
          "building_paid_usd": 0,
          "contents_paid_usd": 0,
          "compliance_paid_usd": 0,
          "building_damage_usd": 0,
          "contents_damage_usd": 0,
          "occupancy_code": 11,
          "occupancy": "single-family residential",
          "primary_residence": true,
          "state": "VA",
          "county_fips": "51810",
          "zip_code": "23452",
          "census_tract": "51810045415",
          "latitude": 36.8,
          "longitude": -76.1
        }
      ]
    },
    "evidence": {
      "source": "US Federal Emergency Management Agency",
      "source_kind": "public",
      "retrieved_at": "2026-10-27T21:48:23.479Z",
      "calls": [
        {
          "retrieved_at": "2026-10-27T21:48:23.479Z"
        }
      ],
      "as_of": "2026-09-08T00:00:00.000Z"
    }
  }
}
```

> [!NOTE]
>
> See [Pricing](https://docs.oneshotagent.com/pricing.md) for this tool's price. A wallet (x402) call receives it in the 402 quote before anything is charged; a call paid from prepaid credits is charged when the API accepts the request and answers `200`.

## Notes

* Give exactly one area. Optional loss\_after and loss\_before include both dates; limit defaults to 25, at most 100. No claims returns total: 0.
* Coordinates are rounded by FEMA to 0.1 degree and can fall in the wrong county. The source county code may not reflect the individual county where the property is located.
* Flood Zone gives the map designation; Disaster Declarations gives declarations, not insurance payouts. Policies and paid-amount totals are not included.
* Do not attempt to reidentify individuals or reverse engineer the source data.
* Results return inline. The finished job stays available at `/v1/requests/{request_id}`


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.