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Agent ToolInsurance & risk underwriting
Hazards Read
A complete Agent Skill — copy it and drop it into your agent’s skills folder as hazards-read/SKILL.md and it can run this recipe on its own.
Flood, wetland, and wildfire exposure for one address, cited to FEMA/NOAA/USFWS/Copernicus sources.
Single AddressBatch (loop over a list)
How it works
- Send an address (or lat/lng) to POST /v1/fetch with preset: "flood_risk" plus fields: ["tree_canopy_pct", "ndvi_current"] pulled in from the wildfire_underwrite preset.
- Get back FEMA flood zone status, coastal distance, wetland intersection, and wildfire-relevant vegetation signals in one call.
- When you send an address, the response carries a geocode block — check parcel_grade before trusting anything parcel-specific: false means the coordinate was estimated from the street and can be ~2.9 km out in rural areas.
- Use this to pre-screen a book of properties before a manual underwriting review, flagging anything that needs a closer look.
Example response
- lat
- 29.7604
- lng
- -95.3698
- fetched_at
- 2026-07-30T14:02:11.318204+00:00
- fields
- within_floodplain_polygon
- false — FEMA_NFHL
- coast_distance_m
- 2014.1 meters — NOAA_CUSP
- intersects_wetland
- false — USFWS_NWI
- elevation
- 14.38 meters — USGS_3DEP_COG
- tree_canopy_pct
- 8.2 percent — USFS_NLCD_TCC
- ndvi_current
- 0.31 — COPERNICUS_S2_SR_HARMONIZED
- partial_failures
- —
- geocode
- accuracy
- 1
- accuracy_type
- rooftop
- normalized_address
- 1600 Smith St, Houston, TX 77002
- provider
- geocodio
- parcel_grade
- true
- precision_note
- null
- resolved_location
- lat
- 29.7604
- lng
- -95.3698
- source
- address
Get a Mireye API key at mireye.com/account.