# US Flood Claims by ZIP

> How often does this ZIP flood? FEMA NFIP flood-insurance claim history — claims, dollars paid, flood zones and named storms.

Remote MCP server (Streamable HTTP): https://us-flood-claims-mcp.donniertf.workers.dev/mcp
Free tier: `flood_history` — no key, no sign-up, 20 calls/day per IP.
Pro: $12/month, cancel anytime — all tools, unlimited.

## Tools
- flood_history (free): FREE. Insured flood-claim history for a US ZIP code (FEMA NFIP): total claims, claims in the last 10 years and a risk signal.
- flood_report (Pro): PRO. Full NFIP claims report for a ZIP: $ paid by year, average claim, flood zones, named flood events.
- compare_zips (Pro): PRO. Compare flood-claim history across up to 10 ZIPs (house hunting, portfolio and lending risk).

## Buying (agents)
1. POST https://us-flood-claims-mcp.donniertf.workers.dev/checkout -> {checkout_url, session_id}. A human (or a payment-capable agent) completes Stripe Checkout at checkout_url.
2. GET https://us-flood-claims-mcp.donniertf.workers.dev/token?session_id=... -> {access_token}.
3. Send Authorization: Bearer <access_token> to https://us-flood-claims-mcp.donniertf.workers.dev/mcp (or pass access_token in tool arguments).

## Pay per call (x402, USDC on Base)
No account: POST JSON args to https://us-flood-claims-mcp.donniertf.workers.dev/x402/<tool> -> HTTP 402 with payment requirements ($0.03 USDC per call, payTo 0x02226D28e0c85AE4AdDB7fe7043Dd2b1Ff710D41). Retry with an X-PAYMENT header (x402 v1, scheme exact, network base). Manifest: https://us-flood-claims-mcp.donniertf.workers.dev/.well-known/x402. MCP clients may also send X-PAYMENT on tools/call.
Machine-readable pricing: https://us-flood-claims-mcp.donniertf.workers.dev/pricing.json · Server card: https://us-flood-claims-mcp.donniertf.workers.dev/.well-known/mcp

## Sources
- FEMA OpenFEMA FimaNfipClaims (public domain)

## Notes
From FEMA OpenFEMA NFIP redacted claims (insured flood losses only, by reported ZIP). Low claim counts can mean few insured properties, not low risk. Not an insurance quote or flood determination.
Contact: dmorrisonwebdesign@gmail.com. More UK data MCPs: https://github.com/donniertf-hub/uk-mcp-fleet