Returns the same OpenFEMA NFIP county claim totals as the free route: count, total paid…

{
  "address": "1 E Edenton St, Raleigh, NC 27601"
}

{
  "capped": false,
  "caveats": [
    "NFIP claims are REDACTED federal records aggregated to the COUNTY here - no address, owner, or other personally identifiable information.",
    "These are paid flood-insurance claims only, not all flood losses and not all insurance claims; many flood-damaged properties carry no NFIP policy.",
    "A claim count or dollar total is a historical fact for the county, NOT a prediction, a risk score, or a statement about any specific property."
  ],
  "claimCount": 1642,
  "claimsAnalyzed": 1642,
  "county": {
    "fips5": "37183",
    "name": "Wake County",
    "state": "NC"
  },
  "coverage": "covered",
  "mitigationHistory": {
    "acquisitionSites": 87,
    "activities": [
      {
        "activity": "Acquisition",
        "sites": 87
      },
      {
        "activity": "Other",
        "sites": 32
      },
      {
        "activity": "Elevation",
        "sites": 28
      },
      {
        "activity": "Floodproofing",
        "sites": 1
      },
      {
        "activity": "Flood Mitigation",
        "sites": 1
      },
      {
        "activity": "Tornado saferoom",
        "sites": 1
      }
    ],
    "capped": false,
    "caveats": [
      "Mitigation sites are aggregated to the COUNTY here. No property-level attribute is returned: the source rows carry purchase price, building size, elevation and tenancy fields that could identify a specific bought-out home.",
      "These are FEMA-funded project sites only. Buyouts and elevations funded by states, counties, or municipalities without FEMA assistance are not represented, so this understates total mitigation activity.",
      "A project site is a historical record of work funded or proposed, not a flood prediction, a statement about any specific property, or an indication of current flood risk.",
      "Where FEMA mitigation money went reflects grant applications and local capacity as well as hazard; a low count does not mean low flood exposure."
    ],
    "provenance": {
      "coverage": "national (HMGP / FMA / BRIC programs), aggregated to county",
      "serviceUrl": "https://www.fema.gov/api/open/v1/HmaSubapplicationsProjectSiteInventories",
      "source": "FEMA Hazard Mitigation Assistance subapplication project site inventories (OpenFEMA)",
      "sourcePage": "https://www.fema.gov/about/openfema/data-sets"
    },
    "siteCount": 150,
    "sitesAnalyzed": 150,
    "status": "ok",
    "subapplicationCount": 35,
    "substantiallyDamagedSites": 84
  },
  "note": "Awareness/diagnostic only. Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.",
  "ok": true,
  "point": {
    "latitude": 35.780418000003195,
    "longitude": -78.63910200000142
  },
  "provenance": {
    "coverage": "national (NFIP-participating communities), county FIPS",
    "endpoint": "https://www.fema.gov/api/open/v3/NfipClaims",
    "source": "FEMA OpenFEMA - NfipClaims v3 (redacted, county-aggregated)",
    "sourcePage": "https://www.fema.gov/openfema-data-page/nfip-redacted-claims-v3"
  },
  "topFloodZones": [
    {
      "claims": 681,
      "zone": "AE"
    },
    {
      "claims": 499,
      "zone": "X"
    },
    {
      "claims": 119,
      "zone": "A13"
    },
    {
      "claims": 59,
      "zone": "C"
    },
    {
      "claims": 51,
      "zone": "(unrated)"
    },
    {
      "claims": 46,
      "zone": "A04"
    },
    {
      "claims": 28,
      "zone": "A03"
    },
    {
      "claims": 24,
      "zone": "B"
    }
  ],
  "totalPaidUsd": 31252564,
  "verifyNext": [
    {
      "step": "Open the NfipClaims v3 dataset on OpenFEMA to inspect the underlying redacted rows.",
      "url": "https://www.fema.gov/openfema-data-page/nfip-redacted-claims-v3"
    },
    {
      "step": "Check the FEMA National Flood Hazard Layer for the current mapped flood zone at the address.",
      "url": "https://hazards.fema.gov/femaportal/wps/portal/NFHLWMS"
    }
  ],
  "yearRange": {
    "from": 1978,
    "to": 2026
  }
}