Property Hazard MCP

Assess natural hazard exposure for a single US property address. Validates and geocodes the address (US Census Bureau geocoder), then looks up FEMA flood zone, wildfire hazard, USGS seismic PGA, active fault proximity, and coastal proximity. Returns a location-only hazard score (0-100) and tier. US addresses only; no building characteristics required.

{
  "type": "object",
  "properties": {
    "address": {
      "title": "Address",
      "type": "string"
    }
  },
  "required": [
    "address"
  ],
  "title": "assess_property_hazardArguments"
}

{
  "type": "object",
  "properties": {
    "input_address": {
      "description": "The address as provided by the caller",
      "title": "Input Address",
      "type": "string"
    },
    "validated": {
      "description": "Whether the address was successfully validated/geocoded",
      "title": "Validated",
      "type": "boolean"
    },
    "message": {
      "anyOf": [
        {
          "type": "string"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Explanation of why validation failed, if it did",
      "title": "Message"
    },
    "matched_address": {
      "anyOf": [
        {
          "type": "string"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Normalized address returned by the geocoder",
      "title": "Matched Address"
    },
    "lat": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Latitude of the matched address",
      "title": "Lat"
    },
    "lng": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Longitude of the matched address",
      "title": "Lng"
    },
    "flood_zone": {
      "anyOf": [
        {
          "type": "string"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "FEMA flood zone code (e.g. AE, X, VE); null if unavailable",
      "title": "Flood Zone"
    },
    "sfha": {
      "anyOf": [
        {
          "type": "boolean"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Whether the address is in a Special Flood Hazard Area",
      "title": "Sfha"
    },
    "flood_available": {
      "anyOf": [
        {
          "type": "boolean"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Whether the FEMA flood zone lookup succeeded",
      "title": "Flood Available"
    },
    "wildfire_score": {
      "anyOf": [
        {
          "type": "integer"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Coarse wildfire hazard tier, 0 (none) to 4 (very high)",
      "title": "Wildfire Score"
    },
    "seismic_pga": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "USGS peak ground acceleration in g (ASCE 7-22)",
      "title": "Seismic Pga"
    },
    "fault_distance_miles": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Distance to the nearest known active fault, in miles",
      "title": "Fault Distance Miles"
    },
    "coastal_distance_miles": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Distance to the nearest coastline, in miles",
      "title": "Coastal Distance Miles"
    },
    "hazard_score": {
      "anyOf": [
        {
          "type": "integer"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Deterministic location-only hazard score, 0-100",
      "title": "Hazard Score"
    },
    "hazard_tier": {
      "anyOf": [
        {
          "type": "string"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Hazard tier label: Low, Moderate, High, or Very High",
      "title": "Hazard Tier"
    },
    "hazard_drivers": {
      "anyOf": [
        {
          "items": {
            "type": "string"
          },
          "type": "array"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Up to 5 human-readable factors driving the score",
      "title": "Hazard Drivers"
    }
  },
  "required": [
    "input_address",
    "validated"
  ],
  "description": "Hazard exposure result for a single US property address.",
  "title": "HazardAssessment"
}