# NFIP Flood Loss Risk Screener — Property Loss History Score (`malonestar/nfip-flood-loss-risk-screener`) Actor

Flood loss history by property from FEMA NFIP paid claims: count, total paid, repetitive-loss flag, recency and a 0-100 flood-loss score within a radius of each lat/lon.

- **URL**: https://apify.com/malonestar/nfip-flood-loss-risk-screener.md
- **Developed by:** [Kyle Maloney](https://apify.com/malonestar) (community)
- **Categories:** Real estate, Developer tools, Agents
- **Stats:** 2 total users, 1 monthly users, 100.0% runs succeeded, 0 bookmarks
- **User rating**: No ratings yet

## Pricing

from $4.40 / 1,000 results

This Actor is paid per event. You are not charged for the Apify platform usage, but only a fixed price for specific events.
Since this Actor supports Apify Store discounts, the price gets lower the higher subscription plan you have.

Learn more: https://docs.apify.com/platform/actors/running/actors-in-store#pay-per-event

## What's an Apify Actor?

Actors are a software tools running on the Apify platform, for all kinds of web data extraction and automation use cases.
In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours,
and optionally produces a well-defined JSON output, datasets with results, or files in key-value store.
In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server.
Actors are written with capital "A".

## How to integrate an Actor?

If asked about integration, you help developers integrate Actors into their projects.
You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready.
The best way to integrate Actors is as follows.

In JavaScript/TypeScript projects, use official [JavaScript/TypeScript client](https://docs.apify.com/api/client/js/docs.md):

```bash
npm install apify-client
```

In Python projects, use official [Python client library](https://docs.apify.com/api/client/python/docs.md):

```bash
pip install apify-client
```

In shell scripts, use [Apify CLI](https://docs.apify.com/cli/docs.md):

````bash
# MacOS / Linux
curl -fsSL https://apify.com/install-cli.sh | bash
# Windows
irm https://apify.com/install-cli.ps1 | iex
```bash

In AI frameworks, you might use the [Apify MCP server](https://docs.apify.com/integrations/mcp.md).

If your project is in a different language, use the [REST API](https://docs.apify.com/api/v2.md).

For usage examples, see the [API](#api) section below.

For more details, see Apify documentation as [Markdown index](https://docs.apify.com/llms.txt) and [Markdown full-text](https://docs.apify.com/llms-full.txt).


# README

## NFIP Flood Loss Risk Screener — Property Loss History Score

Turn a list of property coordinates into a **flood loss history score** built from
**FEMA National Flood Insurance Program (NFIP) paid claims**. For each property
(lat/lon) the actor summarizes past NFIP flood-insurance losses within a radius:
claim count, total dollars paid, average and largest payout, a repetitive-loss
signal, the most recent loss year, the dominant cause of damage, and a composite
0–100 **flood-loss score**.

Most tools republish the raw FEMA NFIP claims dump by state and year. This actor
does the transform buyers actually want: **asset-level loss history** — "how much
flood-insurance money has been paid out near THIS address, how often, how badly,
and how recently."

### Who it's for
- **P&C insurers & reinsurers** — pre-bind flood exposure and repetitive-loss screening.
- **Mortgage lenders & CRE due diligence** — flood-loss history alongside Phase I / property condition.
- **Real estate & appraisal** — quantify neighborhood flood-loss burden.
- **Risk / cat modeling teams** — a quick, keyless historical-loss density signal by point.

### Example input
```json
{
  "assets": [
    { "lat": 30.0, "lon": -90.0, "label": "New Orleans metro, LA", "state": "LA" },
    { "lat": 29.7, "lon": -95.4, "label": "Houston Ship Channel, TX", "state": "TX" }
  ],
  "radiusMiles": 5,
  "sinceYear": 2000,
  "maxClaimsPerAsset": 5000,
  "maxResults": 500
}
````

### Output fields (one row per asset)

| Field | Meaning |
|---|---|
| `asset_label`, `asset_lat`, `asset_lon`, `state` | Echo of the input property |
| `radius_miles` | Radius used for aggregation |
| `claim_count` | NFIP paid claims within the radius (on/after `sinceYear`) |
| `total_paid_usd` | Sum of building + contents + ICC payments |
| `avg_payout_usd` / `max_single_payout_usd` | Average and largest single payout |
| `most_recent_loss_year` | Year of the most recent nearby loss |
| `dominant_cause` | Most frequent NFIP cause of damage (human-readable) |
| `repetitive_loss_flag` | True when ≥2 claims fall within the radius |
| `flood_loss_score` | Editorial 0–100 composite (count + total paid + recency) |
| `nearest_claim_distance_miles` | Distance to the closest nearby claim |
| `error`, `disclaimer`, `source_url`, `checked_at` | Diagnostics + provenance |

### Important: how FEMA locates claims (read this)

FEMA **censors each loss to its census-tract centroid** and rounds `latitude`/
`longitude` to about **0.1° (~7 miles)**. Claims therefore snap onto a coarse grid.
Consequences:

- A **small radius** (e.g. 1 mile) only matches when a property sits *on* a
  populated grid point. For arbitrary real properties, use **`radiusMiles` ≥ ~5**.
- Metrics describe a **tract-level neighborhood**, not one parcel.
- `flood_loss_score` is an **editorial** 0–100 composite (log-scaled claim count up
  to 40, log-scaled total paid up to 40, recency up to 20) — not a FEMA rating,
  flood-zone determination, or actuarial premium.

### Use as an MCP tool

This actor is a clean, chainable tool for AI agents via `mcp.apify.com`: pass one or
more `{lat, lon, label}` assets and get back a structured, field-described flood-loss
history row per property — ideal for underwriting copilots and property-risk agents.

### FAQ

**Where does the data come from?** FEMA OpenFEMA `FimaNfipClaims` (National Flood
Insurance Program redacted paid-claims dataset). Keyless, public, historical.

**Is this a FEMA flood zone / FIRM lookup?** No. It measures *historical paid losses*
near a point, not the regulatory flood zone. Pair it with a FIRM/flood-zone check.

**Why is `claim_count` capped?** Dense flood metros can hold tens of thousands of
claims at one grid point; `maxClaimsPerAsset` bounds the scan (most-recent-first) so
runs stay fast and cheap. Raise it for a fuller aggregate.

**How is it billed?** Pay-per-result: one billable Result per asset row. Empty or
errored assets still emit a row so you always see what happened.

**Nothing came back for my address.** Increase `radiusMiles` (the coordinates are
tract-centroid rounded), widen `sinceYear`, or confirm the point is in a flood-claim
region.

# Actor input Schema

## `assets` (type: `array`):

List of properties to screen, each an object {"lat": number, "lon": number, "label": string, "state": optional 2-letter code}. One output row is produced per asset summarizing nearby historical NFIP flood-insurance paid claims. NOTE: FEMA rounds each claim's location to its census-tract centroid (~0.1 degrees, roughly 7 miles), so small radii only match when a property sits on a populated grid point; use radiusMiles >= ~5 for arbitrary property locations.

## `radiusMiles` (type: `integer`):

Proximity radius (miles) around each asset within which NFIP claims are aggregated. Because FEMA censors coordinates to the census-tract centroid (~0.1 deg / ~7 mi), a small radius chiefly captures claims on the same grid point; use >= ~5 for real property screening.

## `sinceYear` (type: `integer`):

Count only NFIP losses with yearOfLoss on or after this year. Older losses are excluded from every metric and the score. Range 1970-present.

## `maxClaimsPerAsset` (type: `integer`):

Safety cap on how many nearby claims are fetched and scanned per asset (dense flood metros can hold tens of thousands). Claims are pulled most-recent-first, so the cap keeps recent losses; a capped run still produces a valid, if conservative, aggregate.

## `maxResults` (type: `integer`):

Maximum number of asset rows to emit (one billable Result per asset). Extra assets beyond this cap are skipped.

## Actor input object example

```json
{
  "assets": [
    {
      "lat": 30,
      "lon": -90,
      "label": "New Orleans metro, LA",
      "state": "LA"
    },
    {
      "lat": 29.7,
      "lon": -95.4,
      "label": "Houston Ship Channel, TX",
      "state": "TX"
    }
  ],
  "radiusMiles": 1,
  "sinceYear": 2000,
  "maxClaimsPerAsset": 5000,
  "maxResults": 500
}
```

# Actor output Schema

## `results` (type: `string`):

The default dataset.

# API

You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup.

## JavaScript example

```javascript
import { ApifyClient } from 'apify-client';

// Initialize the ApifyClient with your Apify API token
// Replace the '<YOUR_API_TOKEN>' with your token
const client = new ApifyClient({
    token: '<YOUR_API_TOKEN>',
});

// Prepare Actor input
const input = {
    "assets": [
        {
            "lat": 30,
            "lon": -90,
            "label": "New Orleans metro, LA",
            "state": "LA"
        },
        {
            "lat": 29.7,
            "lon": -95.4,
            "label": "Houston Ship Channel, TX",
            "state": "TX"
        }
    ],
    "radiusMiles": 1,
    "sinceYear": 2000,
    "maxClaimsPerAsset": 5000,
    "maxResults": 500
};

// Run the Actor and wait for it to finish
const run = await client.actor("malonestar/nfip-flood-loss-risk-screener").call(input);

// Fetch and print Actor results from the run's dataset (if any)
console.log('Results from dataset');
console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`);
const { items } = await client.dataset(run.defaultDatasetId).listItems();
items.forEach((item) => {
    console.dir(item);
});

// 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs

```

## Python example

```python
from apify_client import ApifyClient

# Initialize the ApifyClient with your Apify API token
# Replace '<YOUR_API_TOKEN>' with your token.
client = ApifyClient("<YOUR_API_TOKEN>")

# Prepare the Actor input
run_input = {
    "assets": [
        {
            "lat": 30,
            "lon": -90,
            "label": "New Orleans metro, LA",
            "state": "LA",
        },
        {
            "lat": 29.7,
            "lon": -95.4,
            "label": "Houston Ship Channel, TX",
            "state": "TX",
        },
    ],
    "radiusMiles": 1,
    "sinceYear": 2000,
    "maxClaimsPerAsset": 5000,
    "maxResults": 500,
}

# Run the Actor and wait for it to finish
run = client.actor("malonestar/nfip-flood-loss-risk-screener").call(run_input=run_input)

# Fetch and print Actor results from the run's dataset (if there are any)
print("💾 Check your data here: https://console.apify.com/storage/datasets/" + run["defaultDatasetId"])
for item in client.dataset(run["defaultDatasetId"]).iterate_items():
    print(item)

# 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start

```

## CLI example

```bash
echo '{
  "assets": [
    {
      "lat": 30,
      "lon": -90,
      "label": "New Orleans metro, LA",
      "state": "LA"
    },
    {
      "lat": 29.7,
      "lon": -95.4,
      "label": "Houston Ship Channel, TX",
      "state": "TX"
    }
  ],
  "radiusMiles": 1,
  "sinceYear": 2000,
  "maxClaimsPerAsset": 5000,
  "maxResults": 500
}' |
apify call malonestar/nfip-flood-loss-risk-screener --silent --output-dataset

```

## MCP server setup

```json
{
    "mcpServers": {
        "apify": {
            "command": "npx",
            "args": [
                "mcp-remote",
                "https://mcp.apify.com/?tools=malonestar/nfip-flood-loss-risk-screener",
                "--header",
                "Authorization: Bearer <YOUR_API_TOKEN>"
            ]
        }
    }
}

```

## OpenAPI specification

```json
{
    "openapi": "3.0.1",
    "info": {
        "title": "NFIP Flood Loss Risk Screener — Property Loss History Score",
        "description": "Flood loss history by property from FEMA NFIP paid claims: count, total paid, repetitive-loss flag, recency and a 0-100 flood-loss score within a radius of each lat/lon.",
        "version": "1.0",
        "x-build-id": "dwkQWEM8tuOebThCz"
    },
    "servers": [
        {
            "url": "https://api.apify.com/v2"
        }
    ],
    "paths": {
        "/acts/malonestar~nfip-flood-loss-risk-screener/run-sync-get-dataset-items": {
            "post": {
                "operationId": "run-sync-get-dataset-items-malonestar-nfip-flood-loss-risk-screener",
                "x-openai-isConsequential": false,
                "summary": "Executes an Actor, waits for its completion, and returns Actor's dataset items in response.",
                "tags": [
                    "Run Actor"
                ],
                "requestBody": {
                    "required": true,
                    "content": {
                        "application/json": {
                            "schema": {
                                "$ref": "#/components/schemas/inputSchema"
                            }
                        }
                    }
                },
                "parameters": [
                    {
                        "name": "token",
                        "in": "query",
                        "required": true,
                        "schema": {
                            "type": "string"
                        },
                        "description": "Enter your Apify token here"
                    }
                ],
                "responses": {
                    "200": {
                        "description": "OK"
                    }
                }
            }
        },
        "/acts/malonestar~nfip-flood-loss-risk-screener/runs": {
            "post": {
                "operationId": "runs-sync-malonestar-nfip-flood-loss-risk-screener",
                "x-openai-isConsequential": false,
                "summary": "Executes an Actor and returns information about the initiated run in response.",
                "tags": [
                    "Run Actor"
                ],
                "requestBody": {
                    "required": true,
                    "content": {
                        "application/json": {
                            "schema": {
                                "$ref": "#/components/schemas/inputSchema"
                            }
                        }
                    }
                },
                "parameters": [
                    {
                        "name": "token",
                        "in": "query",
                        "required": true,
                        "schema": {
                            "type": "string"
                        },
                        "description": "Enter your Apify token here"
                    }
                ],
                "responses": {
                    "200": {
                        "description": "OK",
                        "content": {
                            "application/json": {
                                "schema": {
                                    "$ref": "#/components/schemas/runsResponseSchema"
                                }
                            }
                        }
                    }
                }
            }
        },
        "/acts/malonestar~nfip-flood-loss-risk-screener/run-sync": {
            "post": {
                "operationId": "run-sync-malonestar-nfip-flood-loss-risk-screener",
                "x-openai-isConsequential": false,
                "summary": "Executes an Actor, waits for completion, and returns the OUTPUT from Key-value store in response.",
                "tags": [
                    "Run Actor"
                ],
                "requestBody": {
                    "required": true,
                    "content": {
                        "application/json": {
                            "schema": {
                                "$ref": "#/components/schemas/inputSchema"
                            }
                        }
                    }
                },
                "parameters": [
                    {
                        "name": "token",
                        "in": "query",
                        "required": true,
                        "schema": {
                            "type": "string"
                        },
                        "description": "Enter your Apify token here"
                    }
                ],
                "responses": {
                    "200": {
                        "description": "OK"
                    }
                }
            }
        }
    },
    "components": {
        "schemas": {
            "inputSchema": {
                "type": "object",
                "properties": {
                    "assets": {
                        "title": "Assets (properties to screen)",
                        "type": "array",
                        "description": "List of properties to screen, each an object {\"lat\": number, \"lon\": number, \"label\": string, \"state\": optional 2-letter code}. One output row is produced per asset summarizing nearby historical NFIP flood-insurance paid claims. NOTE: FEMA rounds each claim's location to its census-tract centroid (~0.1 degrees, roughly 7 miles), so small radii only match when a property sits on a populated grid point; use radiusMiles >= ~5 for arbitrary property locations."
                    },
                    "radiusMiles": {
                        "title": "Radius (miles)",
                        "minimum": 1,
                        "maximum": 25,
                        "type": "integer",
                        "description": "Proximity radius (miles) around each asset within which NFIP claims are aggregated. Because FEMA censors coordinates to the census-tract centroid (~0.1 deg / ~7 mi), a small radius chiefly captures claims on the same grid point; use >= ~5 for real property screening.",
                        "default": 1
                    },
                    "sinceYear": {
                        "title": "Only losses on/after year",
                        "minimum": 1970,
                        "maximum": 2026,
                        "type": "integer",
                        "description": "Count only NFIP losses with yearOfLoss on or after this year. Older losses are excluded from every metric and the score. Range 1970-present.",
                        "default": 2000
                    },
                    "maxClaimsPerAsset": {
                        "title": "Max claims scanned per asset",
                        "minimum": 100,
                        "maximum": 50000,
                        "type": "integer",
                        "description": "Safety cap on how many nearby claims are fetched and scanned per asset (dense flood metros can hold tens of thousands). Claims are pulled most-recent-first, so the cap keeps recent losses; a capped run still produces a valid, if conservative, aggregate.",
                        "default": 5000
                    },
                    "maxResults": {
                        "title": "Max results (assets)",
                        "minimum": 1,
                        "maximum": 5000,
                        "type": "integer",
                        "description": "Maximum number of asset rows to emit (one billable Result per asset). Extra assets beyond this cap are skipped.",
                        "default": 500
                    }
                }
            },
            "runsResponseSchema": {
                "type": "object",
                "properties": {
                    "data": {
                        "type": "object",
                        "properties": {
                            "id": {
                                "type": "string"
                            },
                            "actId": {
                                "type": "string"
                            },
                            "userId": {
                                "type": "string"
                            },
                            "startedAt": {
                                "type": "string",
                                "format": "date-time",
                                "example": "2025-01-08T00:00:00.000Z"
                            },
                            "finishedAt": {
                                "type": "string",
                                "format": "date-time",
                                "example": "2025-01-08T00:00:00.000Z"
                            },
                            "status": {
                                "type": "string",
                                "example": "READY"
                            },
                            "meta": {
                                "type": "object",
                                "properties": {
                                    "origin": {
                                        "type": "string",
                                        "example": "API"
                                    },
                                    "userAgent": {
                                        "type": "string"
                                    }
                                }
                            },
                            "stats": {
                                "type": "object",
                                "properties": {
                                    "inputBodyLen": {
                                        "type": "integer",
                                        "example": 2000
                                    },
                                    "rebootCount": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "restartCount": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "resurrectCount": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "computeUnits": {
                                        "type": "integer",
                                        "example": 0
                                    }
                                }
                            },
                            "options": {
                                "type": "object",
                                "properties": {
                                    "build": {
                                        "type": "string",
                                        "example": "latest"
                                    },
                                    "timeoutSecs": {
                                        "type": "integer",
                                        "example": 300
                                    },
                                    "memoryMbytes": {
                                        "type": "integer",
                                        "example": 1024
                                    },
                                    "diskMbytes": {
                                        "type": "integer",
                                        "example": 2048
                                    }
                                }
                            },
                            "buildId": {
                                "type": "string"
                            },
                            "defaultKeyValueStoreId": {
                                "type": "string"
                            },
                            "defaultDatasetId": {
                                "type": "string"
                            },
                            "defaultRequestQueueId": {
                                "type": "string"
                            },
                            "buildNumber": {
                                "type": "string",
                                "example": "1.0.0"
                            },
                            "containerUrl": {
                                "type": "string"
                            },
                            "usage": {
                                "type": "object",
                                "properties": {
                                    "ACTOR_COMPUTE_UNITS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_WRITES": {
                                        "type": "integer",
                                        "example": 1
                                    },
                                    "KEY_VALUE_STORE_LISTS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_INTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_EXTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_RESIDENTIAL_TRANSFER_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_SERPS": {
                                        "type": "integer",
                                        "example": 0
                                    }
                                }
                            },
                            "usageTotalUsd": {
                                "type": "number",
                                "example": 0.00005
                            },
                            "usageUsd": {
                                "type": "object",
                                "properties": {
                                    "ACTOR_COMPUTE_UNITS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_WRITES": {
                                        "type": "number",
                                        "example": 0.00005
                                    },
                                    "KEY_VALUE_STORE_LISTS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_INTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_EXTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_RESIDENTIAL_TRANSFER_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_SERPS": {
                                        "type": "integer",
                                        "example": 0
                                    }
                                }
                            }
                        }
                    }
                }
            }
        }
    }
}
```