<div align="center">
mcp-usa-climate-risk
Model Context Protocol server for real-time US climate risk and home insurance metrics.
   
</div>
---
Overview
mcp-usa-climate-risk is an open-source Model Context Protocol server that exposes real-time US climate risk data to LLM agents. It provides a single, robust tool — get_zip_climate_risk — that queries the RiskBeforeBuy API to return parcel-level hazard scores, estimated homeowners insurance premiums, premium-to-income strain, and state insurance market pressure for any valid 5-digit US ZIP code.
Built for Claude Desktop, Cursor IDE, Windsurf, and any MCP-compatible AI environment.
---
Installation
Prerequisites
- Node.js >= 18.0.0
- npm or pnpm
- A supported MCP client (Claude Desktop, Cursor, Windsurf)
Clone & Build
git clone https://github.com/opendata-collective/mcp-usa-climate-risk.git
cd mcp-usa-climate-risk
npm install
npm run build---
Client Configuration
Claude Desktop
Add the following to your Claude Desktop MCP configuration file:
macOS: ~/Library/Application Support/Claude/claude_desktop_config.json Windows: %APPDATA%\Claude\claude_desktop_config.json
{
"mcpServers": {
"usa-climate-risk": {
"command": "node",
"args": ["/absolute/path/to/mcp-usa-climate-risk/dist/index.js"]
}
}
}After restarting Claude Desktop, the get_zip_climate_risk tool will appear in your available tools.
Cursor IDE
Add the following to your Cursor MCP configuration (.cursor/mcp.json in your project root, or the global settings):
{
"mcpServers": {
"usa-climate-risk": {
"command": "node",
"args": ["/absolute/path/to/mcp-usa-climate-risk/dist/index.js"]
}
}
}Windsurf
Add the following to your Windsurf MCP configuration:
{
"mcpServers": {
"usa-climate-risk": {
"command": "node",
"args": ["/absolute/path/to/mcp-usa-climate-risk/dist/index.js"]
}
}
}Development Mode
To run the server in development mode with hot-reloading via tsx:
npm run dev---
Tool Reference
get_zip_climate_risk
Fetches comprehensive climate hazards, estimated home insurance premiums, premium-to-income strain, and market carrier pressure metrics for any valid 5-digit US ZIP Code.
Parameters:
| Name | Type | Required | Description | |------|------|----------|-------------| | zip | string | Yes | 5-digit US ZIP code (regex: ^\d{5}$) |
Response (HTTP 200):
Returns a formatted Markdown summary:
## Climate Risk Report — ZIP 28801
| Metric | Value |
|--------|-------|
| **Overall Risk** | high |
| **Est. Annual Premium** | $2,287 – $4,130 / year |
| **Premium Strain** | high |
| **Market Pressure** | high |
_Source: Risk Before Buy — Federal data (FEMA, NOAA, USGS, USDA, EPA)._Error Responses:
| Status | Meaning | Message | |--------|---------|---------| | 404 | ZIP not found | "ZIP code not found in our climate registry." | | 429 | Rate limited | "Rate limit exceeded for the public tier (5 req/min)..." | | Network error | Connection failure | Graceful error message, never crashes |
---
Data Sources
All risk metrics are derived from verified federal datasets:
| Agency | Dataset | Coverage | |--------|---------|----------| | FEMA | National Risk Index (NRI) | Flood, hurricane, wildfire, earthquake | | NOAA | Storm Events Database | Historical severe weather claims | | USGS | Earthquake Hazards Program | Seismic peak ground acceleration | | USDA | Forest Service Wildfire Risk | Wildfire probability to communities | | EPA | Climate Exposure Overlays | Environmental hazard proximity |
Powered by the RiskBeforeBuy Official Platform.
---
API Rate Limits
The public tier allows 5 requests per minute per IP. For bulk lookups and production integrations, consult the RiskBeforeBuy API Documentation.
---
Contributing
Contributions are welcome from data engineers, climate scientists, and MCP ecosystem developers. Areas of interest:
- Additional MCP tools (e.g., parcel-level flood zone lookup, insurance market deep-dive)
- Alternative transport implementations (Streamable HTTP, SSE)
- Client SDK wrappers for Python, Go, Rust
- Test coverage and data validation scripts
Please open an issue or submit a pull request.
---
License
MIT — Open Data Collective © 2026
---
<div align="center">
RiskBeforeBuy.com · API Documentation · Methodology
</div>
