Flood map coverage in New Jersey

curl -sG https://api.floodzoneapi.com/api/v1/flood/zone \
  -H "Authorization: Bearer $FZA_KEY" \
  -d lat=40.8589 -d lon=-74.54729

{
  "query": {
    "lat": 40.8589,
    "lon": -74.54729
  },
  "location": {
    "lat": 40.8589,
    "lon": -74.54729,
    "geocoder": null,
    "precision": "input_coordinates",
    "matched_address": null,
    "candidates": null,
    "county": null,
    "county_fips": null,
    "state": null
  },
  "flood_zone": {
    "mapped": false,
    "zone": null,
    "subtype": null,
    "description": "FEMA's digital flood map (NFHL) has no flood hazard area at this point. The area may have only paper maps, no FEMA map, or lie outside the United States. This is not the same as Zone X.",
    "sfha": null,
    "static_bfe": null,
    "depth": null,
    "dfirm_id": null,
    "polygon_id": null,
    "at_zone_boundary": false,
    "other_zones": []
  },
  "firm_panel": null,
  "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": 40.8589,
      "lon": -74.54729
    },
    "queried_at": "2026-09-29T08:42:48Z",
    "cached": false,
    "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."
}