NFIP & HMDA Ready

Flood zone + census tract for every US address.

One API call returns flood zone determination, SFHA flag, census tract, county FIPS, and more. Audit-ready compliance data. No per-determination fees.

Start free — 10K calls/mo → View API docs
NFIP-compliant flood zones
HMDA census tract
<5ms server-side p95
No sales call
SOC 2 Type II in progress
Live demo — flood zone + compliance enrichment 
{
  // click "Try live" to run a real lookup
  "flood_zone":   "...",
  "flood_sfha":   null,
  "census_tract": "...",
  "county_fips":  "..."
}
Address-level precision

Zone AE next door.
Zone X at your door.

Flood risk isn't a ZIP code problem — two houses on the same street can be in different FEMA zones. GeoClear resolves flood classification at the individual address level, the same way FEMA does it: by matching coordinates against the National Flood Hazard Layer polygon boundaries.

Zone AE — Special Flood Hazard Area (SFHA). Mandatory flood insurance for federally backed mortgages.
Zone X — Moderate or minimal flood hazard. Outside SFHA; insurance not federally required.
Zone A — SFHA without detailed elevation data. High risk; Base Flood Elevation not published.
Elm St Oak Ave Main St Maple Ln Zone AE Zone AE Zone X Zone A ← SFHA boundary SFHA SFHA No req. No req. 110 Elm St — Zone AE "flood_zone": "AE" "flood_sfha": true "census_tract": "001200" "county_fips": "48453" 302 Oak Ave — Zone X "flood_zone": "X" "flood_sfha": false "census_tract": "001202" Same street. Different flood zones.

Flood risk is address-level, not ZIP-level. GeoClear resolves it per coordinate against FEMA NFHL polygons.

Audit-ready compliance data

Every field returned by GeoClear is traceable, consistent, and accepted by compliance teams, auditors, and regulators.

Flood Zone Determination

Flood zone, SFHA flag, and zone description for any US address — the fields required for NFIP flood determination and mortgage lending disclosure.

NFIP

Census Tract + County FIPS

Census tract and county FIPS on every call — the two fields required for HMDA LAR reporting, CRA mapping, and Community Development lending.

HMDA

Quarterly refresh cycle

Flood maps and address data refreshed quarterly — keeping coverage current with published update cycles so your compliance data never goes stale.

Always current
Calculate your savings
I verify addresses / month
$3,000–$15,000
Manual determination cost
$199/mo
GeoClear Growth
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 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
📌 Flood zone reference — what each code means Show ▾
AE
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
D
Undetermined
Flood hazard not studied. Risk unknown. Common in rural areas without detailed flood mapping. Lenders may require flood insurance determination.
Risk undetermined

GeoClear returns the authoritative flood zone code for any US address — the same designations your compliance team and auditors will recognize.

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.

Flood zone + census fields — included on every plan

Flood zone determination, SFHA flag, census tract, and county FIPS are available on Free through Scale. Pay for lookup volume, not for compliance fields.

  • ✓ Flood zone determination on every call — all plans
  • ✓ Census tract + county FIPS (HMDA / CRA) — all plans
  • ✓ 10K free lookups/mo — no credit card, no setup
  • ✓ Growth ($199/mo) — 150K lookups for most workflows
  • ✓ Professional ($499/mo) — 500K lookups + compliance SLA
$3–$15 / lookup (manual)
$0
to start
10K lookups free · scales with volume
Start free →

Ready to automate flood determination?

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