FL Property Risk Pack

Florida roof-cliff, FEMA flood, and NOAA storm risk — fused into one call, by ZIP or county. No competitor fuses these three the way we do.

Paid evaluation access — $2,500 / 90 days. Request access →

Authentication

Every request needs your key in the X-API-Key header. Keys are issued individually after a paid evaluation agreement — request access if you don't have one yet.

curl -H "X-API-Key: flpk_live_YOUR_KEY" \
  "https://www.theleadyouneed.com/api/data-api/v1/fl-property-risk-pack?area=33701"

Endpoint

GET /api/data-api/v1/fl-property-risk-pack

Param	Required	Description
`area`	yes	A Florida ZIP code (e.g. `33701`) or a Florida county name (e.g. `Pinellas`, `Miami-Dade`)

Sample response — ZIP input

A ZIP resolves roof data at ZIP grain, and flood/storm/housing at county grain (the finest grain each source actually supports) — every axis says exactly which.

loading sample…

Response shape

resolved_area — the ZIP and/or county your area param resolved to
roof — ZIP-grain roof-age / replacement-cliff aggregate, or null if no cell exists yet for that ZIP
flood — county-grain FEMA National Risk Index flood rating + percentile
storm — county-grain NOAA severe-weather event history (10-year window)
housing — county-grain Census structure-age distribution
Each axis carries its own grain ("zip" or "county") and area_key — never a fake unified grain
A null axis means no published cell yet for that area — not zero risk

Read before you build on this: every field is a K-anonymous aggregate (25+ homes or events per cell — never an individual property). Flood rating is FEMA's county relative rating, not a Special Flood Hazard Area determination and not an insurance rate. Storm metrics are NOAA county event history, not a calibrated per-home score. This is not insurance, engineering, or investment advice. Full disclaimer text is included in every API response.

Rate limits

Evaluation keys: 60 requests/minute, 1,000/day. Contact us if your evaluation needs more.

Errors

Status	Meaning
401	Missing or unrecognized `X-API-Key`
403	Key revoked, expired, or not scoped for this pack
404	`area` isn't a recognized Florida ZIP or county
429	Rate limit exceeded — see `Retry-After` header

The Standard · Florida home-services trust layer · Data API overview · www.theleadyouneed.com