Flood map coverage in Colorado

curl -sG https://api.floodzoneapi.com/api/v1/flood/zone \
  -H "Authorization: Bearer $FZA_KEY" \
  -d lat=38.03165 -d lon=-106.23467

{
  "query": {
    "lat": 38.03165,
    "lon": -106.23467
  },
  "location": {
    "lat": 38.03165,
    "lon": -106.23467,
    "geocoder": null,
    "precision": "input_coordinates",
    "matched_address": null,
    "candidates": null,
    "county": null,
    "county_fips": null,
    "state": null
  },
  "flood_zone": {
    "mapped": true,
    "zone": "X",
    "subtype": "AREA OF MINIMAL FLOOD HAZARD",
    "description": "Area of minimal flood hazard. Outside the Special Flood Hazard Area.",
    "sfha": false,
    "static_bfe": null,
    "depth": null,
    "dfirm_id": "08109C",
    "polygon_id": "08109C_315",
    "at_zone_boundary": false,
    "other_zones": []
  },
  "firm_panel": {
    "panel": "08109C1015A",
    "effective_date": "2026-06-10",
    "panel_type": "Countywide, Not Printed",
    "dfirm_id": "08109C",
    "other_panels": []
  },
  "source": {
    "dataset": "FEMA National Flood Hazard Layer (NFHL)",
    "service": "https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer",
    "layers": [
      {
        "id": 28,
        "name": "Flood Hazard Zones"
      },
      {
        "id": 3,
        "name": "FIRM Panels"
      }
    ],
    "query_point": {
      "lat": 38.03165,
      "lon": -106.23467
    },
    "queried_at": "2026-09-29T08:37:33Z",
    "cached": true,
    "cache_ttl_seconds": 86400
  },
  "notice": "Informational. This is the zone shown on FEMA's effective flood map (NFHL) at this point. It is not a Standard Flood Hazard Determination (FEMA Form 086-0-32), a prediction of flood risk, or an insurance quote, and it does not reflect a Letter of Map Amendment issued for a single structure."
}