NFIP & HMDA Ready

Flood zone + census tract for every US address.

One API call returns FEMA flood zone determination, SFHA flag, census tract, county FIPS, and more. Auditable federal source data. No per-determination fees.

Start free — 10K calls/mo → View API docs

🏛️ FEMA NFHL source

📊 Census Bureau geocoder

⚡ <5ms median latency

🔑 No sales call

Live demo — FEMA + census enrichment

{
  // click "Try live" to run a real lookup
  "flood_zone":   "...",
  "flood_sfha":   null,
  "census_tract": "...",
  "county_fips":  "..."
}

Auditable federal source data

Every flood zone determination traces to a named federal dataset — the same sources your compliance team or auditors will accept.

🌊

FEMA NFHL API

Flood zone, SFHA flag, and zone description directly from the National Flood Hazard Layer — the authoritative source for NFIP determinations.

NFIP

📋

US Census Bureau Geocoder

Census tract and county FIPS from the official Census Bureau geocoder API — the standard source for HMDA reporting.

HMDA

🔄

Quarterly updates

FEMA NFHL and NAD data refreshed quarterly to keep flood maps and address coverage current with FEMA's published update cycle.

Always current

💡 Calculate your savings

I verify addresses / month

$3,000–$15,000

Manual determination cost

$249/mo

GeoClear Professional

92–98%

Cost reduction

Every field your workflow needs

All compliance-relevant fields returned in a single call. No stitching together multiple APIs.

Field	Use case	Regulation
flood_zone	FEMA flood zone designation (AE, X, VE, etc.)	NFIP
flood_sfha	Boolean — is the property in a Special Flood Hazard Area?	NFIP
flood_zone_desc	Human-readable zone description for disclosures	NFIP
census_tract	11-digit GEOID for HMDA LAR reporting	HMDA
county_fips	5-digit FIPS code for county-level compliance mapping	HMDA
standardized	USPS-normalized address for deduplication and data quality	Data quality
rdi	Residential Delivery Indicator — residential vs commercial classification	Underwriting
timezone	IANA timezone for scheduling, disclosures, and rate locks	Operations

📌 FEMA flood zone reference — what each code means Show ▾

High risk — detailed

1% annual chance of flooding. Base Flood Elevation established. Most common SFHA zone. Flood insurance mandatory for federally-backed mortgages.

SFHA — flood insurance required

VE / V

Coastal high hazard

High-velocity wave action in addition to flood risk. Stricter building standards apply. Most restrictive zone — found along coastlines.

SFHA — flood insurance required

A / AO / AH

High risk — approximate

1% annual chance of flooding. BFE not established for A zones. AO = shallow sheet-flow. AH = shallow ponding. Detailed study not yet performed.

SFHA — flood insurance required

X (Shaded)

Moderate risk

0.2% annual chance of flooding (500-year). Or areas protected by levee from 1% flood. Flood insurance not mandatory but recommended.

Outside SFHA

X (Unshaded)

Minimal risk

Outside the 500-year floodplain. Minimal flood hazard. No mandatory flood insurance requirement. ~70% of US addresses fall here.

Outside SFHA

Undetermined

Flood hazard not studied. Risk unknown. Common in rural areas without detailed FEMA maps. Lenders may require flood insurance determination.

Risk undetermined

Source: FEMA National Flood Hazard Layer. GeoClear queries NFHL directly — same source your compliance team uses.

Self-serve. No sales call.

Start free. Upgrade when you need more volume. No contract, no per-determination fees, no waiting for a vendor quote.

Professional — the compliance tier

500K lookups/mo. Unlimited flood zone + census tract enrichment. JSON API with your key. Cancel anytime.

✓ FEMA NFHL flood zone on every call
✓ Census Bureau census tract + county FIPS
✓ 500K lookups/mo — covers most mortgage or insurance workflows
✓ SLA + uptime dashboard at status.geoclear.io
✓ No per-determination fee, no setup fee

Need a signed SLA for vendor approval? Download SLA document → · Available on Pro Compliance ($499/mo)

$3–$15 / lookup (manual)

$249

per month

10K lookups free, no credit card

Start free →

Flood zone + census tract for every US address.

Auditable federal source data

FEMA NFHL API

US Census Bureau Geocoder

Quarterly updates

Every field your workflow needs

Self-serve. No sales call.

Professional — the compliance tier

Ready to automate flood determination?