docs/api reference/NFIP Multiple Loss (per ZIP)
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GET/api/fema/multiple-loss

NFIP Multiple Loss (per ZIP)

Returns OpenFEMA NFIP multiple-loss summary for a state + ZIP pair. Backed by a 50-state D1 mirror of the NfipMultipleLossProperties dataset (~238K records), refreshed weekly. Returns 404 if no multiple-loss properties exist in the ZIP.

Parameters

statestringrequired

2-letter state abbreviation (e.g. TX, FL, CA).

zipstringrequired

5-digit ZIP code (e.g. 77385).

Request

curl -G https://api.parcelkit.us/api/fema/multiple-loss \
  -H "x-api-key: sk_live_your_key" \
  --data-urlencode "state=TX" \
  --data-urlencode "zip=77385"

Response

response.json
{
  "query": { "state": "TX", "zip": "77385" },
  "match": {
    "zipCode": "77385",
    "stateAbbreviation": "TX",
    "county": "HARRIS COUNTY",
    "rlPropertyCount": 120,
    "srlPropertyCount": 34,
    "totalProperties": 139,
    "totalLosses": 514,
    "mitigatedCount": 10,
    "insuredCount": 56,
    "mostRecentDateOfLoss": "2024-07-08T00:00:00Z",
    "asOfDate": "2026-04-30T00:00:00Z",
    "source": "OpenFEMA NfipMultipleLossProperties"
  },
  "metadata": {
    "dataset_name": "NfipMultipleLossProperties",
    "last_refresh_at": "2026-06-22T05:39:49.643Z",
    "last_source_as_of_date": "2026-04-30T00:00:00Z",
    "row_count": 238182,
    "source_url": "https://www.fema.gov/api/open/v1/NfipMultipleLossProperties"
  }
}

Key fields

rlPropertyCount

Repetitive loss properties — flooded 2+ times with NFIP claims.

srlPropertyCount

Severe repetitive loss — flooded 4+ times, or cumulative claims > property value.

totalLosses

Total number of NFIP flood loss claims in the ZIP.

mitigatedCount

Properties that have received flood mitigation assistance.

insuredCount

Currently active NFIP policies in the ZIP.

mostRecentDateOfLoss

Date of the most recent claim in this ZIP.

This data is ZIP-level aggregate, not per-property. A high srlPropertyCount in a ZIP signals systemic flood risk — useful for insurance underwriting, portfolio screening, and disclosure. Per-property flood zone is available via /api/fema/flood.