Facts and risk
check_live_hazardsWhich of your places are inside or near a warning or event now (or were hit by one), with insured values added up.
Coverage: Everything get_live_hazards covers: England and US warnings, and worldwide earthquakes, hurricanes and GDACS events. Refreshed every 10 minutes.
Basis: inside the issuer's area, or straight-line distance to its edge
records
array · up to 500
addresses
array · up to 500
near_km
number
value_field
string
region
string
perils
array
min_level
string
render
boolean
title
string
background
boolean
source
object
Up to 500 addresses or points (more by reference: source, run as a background job) against the warnings in force now (get_live_hazards). Each record: inside a warning, near one (within near_km, default 5), clear, or unplaced with the reason; with the warnings that touch it (one per event: an earthquake's strongest shaking there, a storm's strongest winds), their kind, level, area and end time. Footprints (shaking, a storm's past winds, a flood's extent) show which places were hit: the claims view. A value column (TIV, sum insured, insured value, value; or name it in value_field) is added up for the places inside and near. On the map, places inside a warning pulse red over the pulsing warning outlines. Warning areas are the issuers' own; a place near an edge is worth a look either way. Set render to true only when the user wants to keep or share the map: it returns a link, GeoJSON and KML, and update_map can change it later.
Captured from the live server on 2026-10-13, trimmed to the first rows.
Request
{
"records": [
{
"id": "leeds",
"address": "Leeds LS1 4AP",
"TIV": 2500000
},
{
"id": "austin",
"address": "500 Congress Avenue, Austin, TX 78701",
"TIV": 900000
}
]
}The answer's first line
0 of 2 places inside a live warning, 0 within 5 km of one, 2 clear · value inside 0, near 0 (28 warnings in force) · 1 of 2 high confidence (1 medium, 0 low). Caveats: postcode centre (1 row).
The answer (trimmed)
{
"confidence": {
"summary": "1 of 2 high confidence (1 medium, 0 low). Caveats: postcode centre (1 row).",
"levels": {
"high": 1,
"medium": 1,
"low": 0
},
"caveats": [
{
"basis": "postcode_centre",
"level": "medium",
"rows": 1,
"ids": [
"leeds"
],
"meaning": "The street address was not matched, so the row sits at its postcode centre, usually within 100-300 m of the real spot.",
"next": "Fine for nearest-place questions and distances over a kilometre; check it before relying on street-level detail."
}
]
},
"fetched_at": {
"gb": "2026-10-13T15:50:21.269Z",
"us": "2026-10-13T15:50:21.269Z"
},
"near_km": 5,
"summary": {
"records": 2,
"placed": 2,
"inside": 0,
"near": 0,
"clear": 2,
"unplaced": 0,
"warnings_in_force": 28,
"warnings_touching": 0,
"by_peril": {},
"value_inside": 0,
"value_near": 0,
"rows_with_value": 2
},
"records": [
{
"id": "leeds",
"record_key": "rk1_5fac800fc81c4adfc5dc",
"input": "Leeds LS1 4AP",
"status": "clear",
"value": 2500000,
"lat": 53.79547,
"lng": -1.55573,
"confidence": {
"level": "medium",
"score": 0.65,
"basis": "postcode_centre",
"why": "at the centre of LS1 4AP"
}
},
{
"id": "austin",
"record_key": "rk1_c7b9628c539ecd3671c6",
"input": "500 Congress Avenue, Austin, TX 78701",
"status": "clear",
"value": 900000,
"lat": 30.26748,
"lng": -97.74362,
"confidence": {
"level": "high",
"score": 0.95,
"basis": "exact_building"
}
}
],
"sources": [
{
"name": "Environment Agency flood warnings (England), Open Government Licence",
"as_of": "2026-10-13T15:50:21.269Z"
},
{
"name": "US National Weather Service active alerts",
"as_of": "2026-10-13T15:50:21.269Z"
},
{
"name": "InstaMaps address index (OpenStreetMap, OpenAddresses) and postcodes.io",
"as_of": "2026-10-08"
}
],
"run": {
"tool": "check_live_hazards",
"at": "2026-10-13T15:59:35.746Z",
"rows": 2,
"placed": 2,
"not_placed": 0,
"sources": [
{
"name": "Environment Agency flood warnings (England), Open Government Licence",
"as_of": "2026-10-13T15:50:21.269Z"
},
{
"name": "US National Weather Service active alerts",
"as_of": "2026-10-13T15:50:21.269Z"
},
{
"name": "InstaMaps address index (OpenStreetMap, OpenAddresses) and postcodes.io",
"as_of": "2026-10-08"
}
],
"basis": "inside the issuer's warning area, or straight-line distance to its edge",
"run_id": "run_abd5d501d50221d9",
"confidence": {
"high": 1,
"medium": 1,
"low": 0
}
}
}Use it in Claude
Add the connector https://get-instamaps.com/mcp and ask in plain words. 5,000 tool calls a day per person, reset at midnight UTC; a call counts once however many rows it carries; a sheet by reference is one call; checking a job is free.