US Flood Zone & Property Risk MCP: FEMA, NOAA, USGS, Census

Is this US address in a flood zone, and what has hit this area before? An MCP server that gives AI agents the FEMA flood zone for any US address or coordinate (zone, Special Flood Hazard Area, base flood elevation, FIRM panel), the area's disaster and storm history, and county demographics, from official US government data. Every answer names the dataset, its version and when it was read, so your agent can cite it.

• Flood zone from FEMA's live map service: read from FEMA's National Flood Hazard Layer (answers cached up to 30 days), with whether the point is in the Special Flood Hazard Area (where lenders generally require flood insurance), the base flood elevation and its datum, the FIRM panel and effective date, and any Letter of Map Revision.
• One-call property report: flood zone, demographics and ten years of hazard history in a single address_profile call, with a plain-English summary your agent can quote.
• Addresses or coordinates: pass a street address and it is geocoded with the Census Bureau geocoder; the point used is always returned.
• Honest answers: an unmapped point is "unmapped", never "low risk"; a missing elevation is null, never 0; a failed source is marked unavailable rather than guessed.
• Pay only for answers: nothing charged for errors, and a report whose flood zone cannot be read is not charged at all.

Tools and pricing

Tool	What it answers	Price per call
flood_zone	FEMA flood zone, SFHA yes/no, base flood elevation, FIRM panel and date, NFIP community, map revisions, plain summary	$0.02
address_profile	Everything below for one address: location, flood zone, county demographics, 10-year hazard counts, summary	$0.08
hazard_history	FEMA disaster declarations by type, NOAA storm events with deaths and damage, USGS earthquakes within 100 km since 1950	$0.02
area_demographics	Population and median household income for the county (ACS 5-year estimates)	$0.01
census_geocode	A US street address to coordinates, state, county and census tract (Census Bureau geocoder)	Free
admin_areas	State and county containing a coordinate, with Census GEOIDs	Free

Pay-per-event pricing:

• $0.02 per flood_zone ($20 per 1,000), $0.08 per address_profile, $0.02 per hazard_history, $0.01 per area_demographics.
• census_geocode and admin_areas are free, so an agent can find the place before deciding which paid answer it needs.
• No charge for errors: an address that cannot be found, a point outside the US, or an upstream outage costs nothing.
• No charge for listing the tools or connecting.
• $0.00005 per Actor start. The server starts when the first request arrives and then serves many calls.
• Platform usage is included in the prices above.

How to connect

The MCP endpoint (Streamable HTTP) is:

https://kohjpyrumr4p27cv8.apify.actor/mcp

Every request needs your Apify API token (Apify Console → Settings → API & Integrations).

Claude Code

claude mcp add --transport http datum-property https://kohjpyrumr4p27cv8.apify.actor/mcp \
  --header "Authorization: Bearer YOUR_APIFY_TOKEN"

Any MCP client that can send headers: use the URL above and send Authorization: Bearer YOUR_APIFY_TOKEN.

Clients that cannot send headers: append ?token=YOUR_APIFY_TOKEN to the URL. This works, but the token then sits in the client's configuration and possibly its logs, so prefer the header where you can.

Then ask your agent things like:

1. "Is 39.059, -75.399 in Bowers Beach, DE in a flood zone? Would it need flood insurance?"
2. "Give me a property risk report for 411 Legislative Ave, Dover, DE 19901."
3. "How many federal disasters has Kent County, Delaware had in the last ten years?"
4. "Any earthquakes near 34.05, -118.24 since 1950? What was the largest?"

Example

flood_zone with { "lat": 39.059, "lon": -75.399 } (Bowers Beach, Delaware) returns, shortened:

{
  "data": {
    "point": { "lat": 39.059, "lon": -75.399, "source": "input" },
    "flood": {
      "mapped": true,
      "zone": "AE",
      "risk_level": "high",
      "sfha": true,
      "floodway": false,
      "base_flood_elevation": { "value": 11, "unit": "feet", "vertical_datum": "NAVD88" },
      "firm": { "id": "10001C", "panel": "10001C0267J", "panel_effective_date": "2014-07-07" },
      "community": { "id": "100002", "name": "TOWN OF BOWERS" },
      "map_revisions": []
    },
    "summary": "39.059, -75.399 is in FEMA flood zone AE (high risk), inside the Special Flood Hazard Area; base flood elevation 11 feet (NAVD88); FIRM panel 10001C0267J effective 2014-07-07. Flood insurance is generally required for mortgages from federally regulated or insured lenders here, if the community participates in the National Flood Insurance Program.",
    "disclaimer": "Informational screening only. Not an official FEMA flood zone determination ..."
  },
  "sources": [
    {
      "name": "FEMA National Flood Hazard Layer (NFHL)",
      "dataset_version": "NFHL panel 10001C0267J effective 2014-07-07",
      "retrieved_at": "2026-10-12T12:00:00.000Z"
    }
  ]
}

Coverage and data notes

• Flood zones: wherever FEMA has a digital flood map (the National Flood Hazard Layer), read live. Areas with only paper maps, or none, come back as unmapped. On a zone boundary the higher-risk zone is reported and the others listed.
• Disaster declarations: FEMA (major disasters, emergencies and fire management), every county, including statewide declarations. Connecticut's 2022 planning regions are not yet matched to the old counties FEMA uses.
• Storm events: NOAA Storm Events, every county including Puerto Rico, the last ten full years plus this year so far. Forecast-zone events (heat, winter storms) count for their county; where a zone spans several counties its casualties and damage are shown apart, not multiplied. Damage is reported nominal dollars; unreported damage counts as 0. NOAA's current-year data can trail by months.
• Earthquakes: USGS catalog, magnitude 2.5 and up within 100 km, since 1950, earthquakes only (mine and quarry blasts excluded). Older decades are less complete in the central and eastern US.
• Demographics: ACS 2018–2022 5-year estimates by county; survey estimates with margins of error, and a suppressed value comes back as null.
• Not yet: rent benchmarks and air quality (coming), tract and ZIP-level demographics.

Important: what a flood answer is, and is not

Informational screening only. It is not an official FEMA flood zone determination (Standard Flood Hazard Determination Form), not an elevation certificate, and not insurance or lending advice. The zone is read at one point; a parcel can straddle zones, and maps change through revisions. Zone X does not mean no flood risk. Verify at msc.fema.gov. Data is provided as is, without warranty.

FAQ

Is the data free to use? It is US federal government data (17 U.S.C. §105). You pay for the hosted, agent-ready service. Keep the attribution in sources[] when you show the results.

How fresh is it? Flood zones and disaster declarations are read live from FEMA. Storm events are reloaded monthly; Census releases yearly. Each answer's dataset_version and retrieved_at say exactly what answered.

What if something looks wrong? Open an issue on the Issues tab of this Actor with the address or coordinate and the request_id from the response.

Notices

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Storm data: NOAA National Centers for Environmental Information, Storm Events Database. Earthquake data: U.S. Geological Survey. Neither endorses this product.

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.