National Flood Data
API-first FEMA flood zone and geospatial risk intelligence built for carriers, MGAs, and insurance technology platforms.
Enterprise Flood Risk Infrastructure
Flood Risk Data Shouldn’t Be a Manual Bottleneck
Flood risk is a critical underwriting input — but too often it relies on inconsistent data sources, manual lookups, or legacy workflows.
Insurance platforms require reliable, normalized flood intelligence that integrates directly into their systems.
National Flood Data provides authoritative FEMA flood zone and geospatial risk data via a production-ready API — so underwriting teams can automate with confidence.
Core Capabilities
FEMA Flood Zone Data
Parcel-level FEMA flood zones delivered programmatically via API. Built on authoritative FEMA map data with consistent response formatting.
Provides the data needed to make underwriting decisions or to provide to carriers to obtain rates.
Geospatial Risk
Distance to water, elevation context, community participation indicators, and additional flood-related attributes designed to support underwriting models.
Complete suite of data, tools and visualizations to make and track the best underwriting decisions.
Bulk & Portfolio Processing
Upload and process large property datasets efficiently. Designed for portfolio risk assessment and analytics workflows.
Enrich large books of business with exhaustive flood risk data to evaluate individual or aggregate risk.
Easy integration to handle hundreds of thousands of properties.
Infrastructure-Grade Reliability
Automated map ingestion, consistent data normalization, monitoring, and version-controlled API architecture built for production systems.
FEMA flood zone maps are updated every night. Made available on redundant data bases.
Designed for Insurance Systems
National Flood Data is engineered for integration into underwriting platforms and risk analytics systems.
- REST-based API architecture
- Structured, normalized responses
- Stable versioning
- Production documentation
- Scalable rate limits
- Integration-focused support
- Determinations accompanied by json (i.e. raw data) file for automated ingestion
Built For
Built for carriers and platforms that require reliable flood intelligence at production scale.
Carriers and MGAs
Integrate reliable flood risk intelligence directly into underwriting and quoting workflows.
National Flood Data supports insurance carriers and managing general agents that require consistent, defensible flood zone and geospatial risk data at scale. Our API enables automated flood evaluation within policy issuance systems, reducing manual lookups while maintaining underwriting discipline.
Use cases include:
- Real-time flood zone validation during quoting
- Portfolio-level flood risk analysis
- Reinsurance and exposure review support
- Integration into policy administration systems
Consistent flood data across distributed underwriting teams
Designed for production environments, our infrastructure supports scalable usage, stable versioning, and predictable data normalization.
Insurtech and Proptech Platforms
National Flood Data powers technology platforms that require authoritative flood risk intelligence embedded directly into their products.
Our API supports partners building quoting engines, risk analytics tools, property intelligence platforms, and insurance distribution systems that require reliable, normalized flood data as a core input.
Use cases include:
- Multi-carrier quote generation across insurers
- Data enrichment for reinsurance portfolio analysis
- MGA software platforms to quote, write, and bind policies
- Embedded flood requirement checks within digital insurance flows
- Automated compliance validation within transaction systems
Proptech and adjacent applications include:
- Risk analytics platforms for large property portfolios
- Asset placement optimization (solar, infrastructure, data centers)
- Large single-family rental (SFR) acquisition analysis
- Appraisal and property valuation workflows
Built for API-driven systems, our platform delivers consistent schema, scalable usage, and production-grade reliability for technology teams operating at scale.
Continuously Improving Infrastructure
Since its founding in 2016, every year National Flood Data has expanded and strengthened its data platform:
- Continuously scale to accommodate increasing volume and speed requirements
- Expanded geospatial analytics and map visualizations
- Improved risk factor analysis, such as elevation data and distances to types of bodies of water
- Enhanced validation, monitoring and tracking systems
Flood Zone Determination Service for Lenders
National Flood Data provides compliance-ready FEMA flood zone determinations delivered in PDF format.
Designed for mortgage companies and financial institutions, determinations can be ordered individually or integrated into existing workflows via API or batch submission.
Our system can be interacted with completely automatically using asynchronous webhooks. Responses include a json data file so that the flood zone determination content can be automatically integrated into our client's workflow.
Build Flood Intelligence Into Your Underwriting Platform
Integrate authoritative flood data directly into your workflows and automate flood risk evaluation with confidence.