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OpenFEMA Dataset: FIMA NFIP Redacted Policies

Version: 1
Last Data Refresh: 07-22-2020
Entity Name FimaNfipPolicies
API Endpoint https://www.fema.gov/api/open/v1/FimaNfipPolicies
Update Frequency
Program URL https://www.fema.gov/national-flood-insurance-program
Category
Keywords NFIP, Flood, Insurance, Policy

Description

Congress passed the National Flood Insurance Act (NFIA), 42 U.S.C. 4001 in 1968, creating the National Flood Insurance Program (NFIP) in order to reduce future flood losses through flood hazard identification, manage floodplain, and provide insurance protection. The Department of Housing and Urban Development (HUD) originally administered the NFIP, and Congress subsequently transferred the NFIP to FEMA upon its creation in 1979. FEMA and insurance companies participating in FEMA's Write Your Own (WYO) program offer NFIP insurance coverage for building structures as well as for contents and personal property with the building structures to eligible and insurable properties. The WYO program began in 1983 with NFIP operating under Part B of the NFIA and allows FEMA to authorize private insurance companies to issue the Standard Flood Insurance Policy (SFIP) as FEMA's fiduciary and fiscal agent. FEMA administers NFIP by ensuring insurance applications are processed properly; determining correct premiums; renewing, reforming, and cancelling insurance policies; transferring policies from the seller of the property to the purchaser of the property in certain circumstances; and processing insurance claims.

The paid premiums of SFIPs and claims payments for damaged property are processed through the National Flood Insurance Fund (NFIF). NFIF was established by the National Flood Insurance Act of 1968 (42 U.S.C. 4001, et seq.), and is a centralized premium revenue and fee-generated fund that supports NFIP, which holds these U.S. Treasury funds.

This data set is derived from the NFIP system of record, staged in the NFIP reporting platform and redacted to protect policy holder personally identifiable information.

The NFIP Transactional Record Reporting Process (TRRP) Plan (https://nfipservices.floodsmart.gov/manuals/jan_2015_consolidated_trrp.pdf) defines for the WYO companies how to report policy and claims information to the NFIP. The Flood Insurance Manual (https://nfipservices.floodsmart.gov/home/manuals) establishes how policies should be rated and underwritten.

This data set represents more than 50,000,000 policy transactions, in order to improve accessibility, we have one compressed file. Due to the file size we recommend using Access, SQL, or another programming/data management tool to visualize and manipulate the data, as Excel will not be able to process files this large without data loss. The dataset will be updated approximately monthly and will have a lag with the system of record.

Additional NFIP Resources

National Flood Insurance Program (NFIP) Data Frequently Asked Questions (FAQs): https://www.fema.gov/media-library-data/1562164218054-5da0fdaa74b5ab246c16ceb96f456af4/NFIP_Data_Frequently_Asked_Questions_FAQs.pdf

This dataset is not intended to be an official federal report, and should not it be considered an official federal report.

Citation: The agency's preferred citation for each dataset is included in its metadata. Users should also cite the date that data was accessed or retrieved from fema.gov and/or Data.gov. Finally, users must clearly state that, 'FEMA and the Federal Government cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s) and/or Data.gov.'

If you have media inquiries about this dataset, please email the FEMA News Desk FEMA-News-Desk@dhs.gov or call (202) 646-3272. For inquiries about FEMA's data and Open government program please contact the OpenFEMA team via email OpenFEMA@fema.dhs.gov.

Full Data

Format Address Record Count Approximate File Size
csv x-large (> 10GB) Link to csv x-large (> 10GB) 50406943

Data Fields

Name Title Type Description Is Searchable
agricultureStructureIndicator Agriculture Structure Indicator
boolean
Yes (Y) or No (N) indicator of whether or not a building is reported as being an agricultural structure in the policy application. Yes is indicated with either a 'true' or '1'. No is indicated with either a 'false' or '0' no
baseFloodElevation Base Flood Elevation
number
Base Flood Elevation (BFE) is the elevation at which there is a 1% chance per year of flooding in feet from the elevation certificate no
basementEnclosureCrawlspaceType Basement Enclosure Crawlspace Type Code
number
Basement is defined for purposes of the NFIP as any level or story which has its floor subgrade on all sides. Basement structure value are as follow: 0 - None; 1 - Finished Basement/Enclosure; 2 - Unfinished Basement/Enclosure; 3 - Crawlspace; 4 - Subgrade Crawlspace; no
cancellationDateOfFloodPolicy Cancellation Date of Flood Policy
date
The cancellation date of the flood policy (if any). When time is not specified in the field, it will default to T00:00:00.000Z no
condominiumIndicator Condominium Indicator
string
This is an indicator of what type of condominium property is being insured. Not a condominium (N). An individual condominium unit owned by a unit owner, or by a condominium association (U). The entire condominium building owned by the association insuring building common elements as well as building elements (additions and alterations) within all units in the building, not eligible under Condominium Master Policy (A). The entire residential condominium building owned by the association eligible under Condominium Master Policy, insuring the entire condominium building common elements as well as building elements (additions and alterations) within all units in the building, (H) for High-Rise or (L) for Low-Rise (T) for Townhouses no
censusTract Census Tract
string
US Census Bureau defined census Tracts; statistical subdivisions of a county or equivalent entity that are updated prior to each decennial census. The NFIP relies on our geocoding service to assign census tract code no
countyCode County Code
string
FIPS code uniquely identifying the primary county (e.g., 011 represents Broward County) associated with the project. Note, the County Code field may not reflect the individual county the property is located as projects can be associated with more than one county no
crsClassCode CRS Classification Code
number
The Community Rating System (CRS) Classification Credit Percentage used to rate the policy. The insurance premium credit is based on whether a property is in or out of the Special Flood Hazard Area (SFHA) as shown on the community's Flood Insurance Rate Map. The premium credit for properties in the SFHA increases according to a community's CRS class: 1 - SFHA 45% ** Non SFHA 10% **; 2 - SFHA 40% ** Non SFHA 10% **; 3 - SFHA 35% ** Non SFHA 10% **; 4 - SFHA 30% ** Non SFHA 10% **; 5 - SFHA 25% ** Non SFHA 10% **; 6 - SFHA 20% ** Non SFHA10% **; 7 - SFHA 15% ** Non SFHA 5% **; 8 - SFHA 10% ** Non SFHA 5% **; 9 - SFHA 5% Non SFHA 5%; 10 - SFHA 0% Non SFHA 0%; *For the purpose of determining CRS Premium Discounts, all AR and A99 zones are treated as non-SFHAs. **These percentages are subject to change. Always refer to the Flood Insurance Manual for the latest information no
construction Construction Indicator
boolean
Is this building under construction? (Y/N). Yes is indicated with either a 'true' or '1'. No is indicated with either a 'false' or '0' no
deductibleAmountInBuildingCoverage Deductible Amount in Building Coverage
number
The total deductible amount in dollars for buildings, both main and appurtenant, that can be applied against the loss. Standard Deductibles: 0 - $500; 1 - $1,000; 2 - $2,000; 3 - $3,000; 4 - $4,000; 5 - $5,000; 9 - $750; A - $10,000; B - $15,000; C - $20,000; D - $25,000; E - $50,000; F - $1,250; G - $1,500; no
deductibleAmountInContentsCoverage Deductible Amount in Contents Coverage
number
The total deductible amount in dollars for contents in both main and apartment structures that can be applied against the loss. Standard Deductibles: 0 - $500; 1 - $1,000; 2 - $2,000; 3 - $3,000; 4 - $4,000; 5 - $5,000; 9 - $750; A - $10,000; B - $15,000; C - $20,000; D - $25,000; E - $50,000; F - $1,250; G - $1,500; no
elevationDifference Elevation Difference
number
Difference in feet between the elevation of the lowest floor used for rating or the floodproofed elevation and the base flood elevation (BFE), or base flood depth, as appropriate from the elevation certificate. Please note that the value of 9999.0 indicates the field is not reported and/or used for this policy no
federalPolicyFee Federal Policy Fee
number
Dollar amount of the Federal Policy Fee of the policy no
hfiaaSurcharge HFIAA Surcharge
number
Required for all new and renewal policies on or after April 1, 2015. Congressionally mandated annual surcharge in dollars required by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) no
elevationCertificateIndicator Elevation Certificate Indicator
number
Indicates if a policy has been rated with elevation certificate 1 - No Elevation Certificate, original effective date prior to October 1, 1982, with no break in insurance coverage or change in insurable interest. Policies will be rated using 'No Base Flood Elevation' +2 to +4 feet rates; 2 - No Elevation Certificate, original effective date on or after October 1, 1982, with no break in insurance coverage or change in insurable interest. Policies will be rated using 'No Elevation Certificate' rates; 3 - Elevation Certificate with BFE. Policies will be rated using 'With Base Flood Elevation' rates; 4 - Elevation Certificate without BFE. Policies will be rated using 'No Base Flood Elevation' rates; no
floodZone Flood Zone
string
NFIP Flood Zone - Flood zone derived from the Flood Insurance Rate Map (FIRM) used to rate the insured property. A - Special Flood with no Base Flood Elevation on FIRM; AE, A1-A30 - Special Flood with Base Flood Elevation on FIRM; A99 - Special Flood with Protection Zone; AH, AHB* - Special Flood with Shallow Ponding; AO, AOB* - Special Flood with Sheet Flow; X, B - Moderate Flood from primary water source. Pockets of areas subject to drainage problems; X, C - Minimal Flood from primary water source. Pockets of areas subject to drainage problems; D - Possible Flood; V - Velocity Flood with no Base Flood Elevation on FIRM; VE, V1-V30 - Velocity Flood with Base Flood Elevation on FIRM; AE, VE, X - New zone designations used on new maps starting January 1, 1986, in lieu of A1-A30, V1-V30, and B and C; AR - A Special Flood Hazard Area that results from the decertification of a previously accredited flood protection system that is determined to be in the process of being restored to provide base flood protection; AR Dual Zones - (AR/AE, AR/A1-A30, AR/AH, AR/AO, AR/A) Areas subject to flooding from failure of the flood protection system (Zone AR) which also overlap an existing Special Flood Hazard Area as a dual zone; *AHB, AOB, ARE, ARH, ARO, and ARA are not risk zones shown on a map, but are acceptable values for rating purposes no
elevatedBuildingIndicator Elevated Building Indicator
boolean
Yes (Y) or No (N) indicator of whether or not a building meets the NFIP definition of an elevated building. Yes is indicated with either a 'true' or '1'. No is indicated with either a 'false' or '0'. An elevated building is a no-basement building that was constructed so as to meet the following criteria: 1. The top of the elevated floor (all A zones) or the bottom of the lowest horizontal structural member of the lowest floor (all V zones) is above ground level; 2. The building is adequately anchored; 3. The method of elevation is pilings, columns (posts and piers), shear walls (not in V zones), or solid foundation perimeter walls (not in V zones); no
houseOfWorshipIndicator House of Worship Indicator
boolean
Yes (Y) or No (N) indicator of whether or not a building is reported as being a house of worship in the policy application. Yes is indicated with either a 'true' or '1'. No is indicated with either a 'false' or '0' no
locationOfContents Location of Contents Code
number
Code that indicates where within the structure the contents are located. 1 - Basement/Enclosure/Crawlspace/Subgrade Crawlspace only; 2 - Basement/Enclosure/Crawlspace/Subgrade Crawlspace and above; 3 - Lowest floor only above ground level (No basement/enclosure/crawlspace/subgrade crawlspace); 4 - Lowest floor above ground level and higher floors (No basement/enclosure/crawlspace/subgrade crawlspace); 5 - Above ground level more than one full floor; 6 - Manufactured (mobile) home or travel trailer on foundation; no
longitude Longitude
number
Approximate longitude of the insured building (to 1 decimal place). This represents the approximate location of the insured property. The precision has been lessened to ensure individual privacy. This may result in a point location that exists in an incorrect county or state. Use the state and county fields for record aggregation for these dimensions no
latitude Latitude
number
Approximate latitude of the insured building (to 1 decimal place). This represents the approximate location of the insured property. The precision has been lessened to ensure individual privacy. This may result in a point location that exists in an incorrect county or state. Use the state and county fields for record aggregation for these dimensions no
lowestFloorElevation Lowest Floor Elevation
number
A building's lowest floor is the floor or level (including basement/enclosure/crawlspace/subgrade crawlspace) that is used as the point of reference when rating a building. This includes the level to which a building is floodproofed*. The elevation in feet of the reference level of the building from the elevation certificate no
nonProfitIndicator Non-Profit Indicator
boolean
Yes (Y) or No (N) indicator of whether or not a building is reported as being a non-profit in the policy application. Yes is indicated with either a 'true' or '1'. No is indicated with either a 'false' or '0' no
lowestAdjacentGrade Lowest Adjacent Grade
number
Lowest natural grade adjacent to the insured structure prior to excavating or filling. The difference in feet of the lowest natural grade adjacent to the building from the reference level of the building no
obstructionType Obstruction Type
number
Code that gives the type of obstruction (if any) in the enclosure (if any). With obstruction: enclosure/crawlspace with proper openings not used for rating (not applicable in V zones) - 15; With obstruction: less than 300 sq. ft. with breakaway walls, but no machinery or equipment attached to building below lowest elevated floor, or elevation of machinery/equipment is at or above Base Flood Elevation - 20; With obstruction: less than 300 sq. ft. with breakaway walls or finished enclosure and with machinery or equipment attached to building below lowest elevated floor, and elevation of machinery/equipment is below Base Flood Elevation - 24; With obstruction: 300 sq. ft. or more with breakaway walls, but no machinery or equipment attached to building below the Base Flood Elevation - 30; With obstruction: 300 sq. ft. or more with breakaway walls or finished enclosure and with machinery or equipment attached to building below the Base Flood Elevation - 34; With obstruction: no walls, but the elevation of machinery or equipment attached to building is below Base Flood Elevation (NOTE: Use Obstruction Type '10' and Without Obstruction Rate Table if the elevation of machinery/equipment is at or above Base Flood Elevation.) - 40; With obstruction: nonbreakaway walls/crawlspace or finished enclosure with no machinery or equipment attached to building below lowest elevated floor - 50; With obstruction: nonbreakaway walls/crawlspace or finished enclosure with machinery or equipment attached to building below lowest elevated floor - 54; With obstruction - 60; With Certification subgrade crawlspace (AE, A01-A30, unnumbered A, AO, AH, AOB, AHB zones) - 70; Without Certification subgrade crawlspace (all zones) - 80; With Enclosure: Elevated buildings with elevator below the BFE in A zones. No other enclosure below the BFE. - 90; Free of Obstruction: Elevated buildings with lattice, slats, or shutters (including louvers) enclosing the elevator below the BFE in V zones. No other obstruction or machinery and equipment (M&E) servicing the building located below the BFE. The building will be rated free of obstruction with the V zone elevator loading added to the building basic limit. - 91; With Enclosure: Elevated buildings with elevator below the BFE in A zones. Enclosure below the BFE has no proper openings, is finished, or is used for other than parking, building access, or storage. - 92; With Obstruction: Elevated buildings with elevator below the BFE in V zones. No other obstruction or machinery and equipment (M&E) servicing the building located below the BFE. - 94; With Obstruction: Elevated buildings with elevator below the BFE in V zones. Breakaway wall obstruction is unfinished and elevator and obstruction are located below the BFE, but no machinery and equipment (M&E) servicing the building is located below the BFE. - 95; With Obstruction: Elevated buildings with elevator below the BFE in V zones. Breakaway wall obstruction is finished or is used for other than parking, building access, or storage. - 96; With Obstruction: Elevated buildings with elevator below the BFE in V zones. No other obstruction, but has M&E servicing the building located below the BFE. - 97; With Obstruction: Elevated buildings with elevator below the BFE in V zones. Breakaway walls obstruction and M&E servicing the building are located below the BFE. - 98; no
originalNBDate Original NB Date
date
The original date of the flood policy. When time is not specified in the field, it will default to T00:00:00.000Z no
occupancyType Occupancy Type
number
Code indicating the use and occupancy type of the insured structure. One-digit code: 1 = single family residence; 2 = 2 to 4 unit residential building; 3 = residential building with more than 4 units; 4 = Non-residential building; 6 = Non-Residential Business no
policyCost Policy Cost
number
Calculated in dollars by adding together calculated premium, reserve fund assessment, federal policy fee, and HFIAA surcharge no
originalConstructionDate Original Construction Date
date
The original date of the construction of the building. When time is not specified in the field, it will default to T00:00:00.000Z no
policyCount Policy Count
number
Insured units in an active status. A policy contract ceases to be in an active status as of the cancellation date or the expiration date. Residential Condominium Building Association Policy (RCBAP) contracts are stored as a single policy contract but insure multiple units and therefore represent multiple policies no
numberOfFloorsInInsuredBuilding Number of Floors in Insured Building
number
Code that indicates the number of floors in the insured structure. 1 - One floor; 2 - Two floors; 3 - Three or more floors; 4 - Split-level; 5 - Manufactured (mobile) home or travel trailer on foundation; 6 - Townhouse/Rowhouse with three or more floors (RCBAP Low-rise only); no
policyEffectiveDate Policy Effective Date
date
The effective date of the flood policy. When time is not specified in the field, it will default to T00:00:00.000Z. Effective March 1, 1995, the standard waiting period for new business applications and for endorsements increasing coverage is 30 days from the date of application and the presentment of premium. (Example: A policy applied for on April 3 would become effective at 12:01 a.m. on May 3.) no
policyTeminationDate Policy Termination Date
date
Date upon which the cancellation of a flood insurance policy becomes effective. When time is not specified in the field, it will default to T00:00:00.000Z no
policyTermIndicator Policy Term Indicator
number
Indicates length of time for which policy is in effect. As set forth in the Flood Insurance Application form, coverage is provided for an initial policy term of 1 or 3 years and for successive terms of 1 or 3 years, provided the premium for each succeeding term is paid in full and received by the NFIP prior to the expiration of the then current term. Other terms between 1 and 3 years may be written to coincide with the term of other homeowner's insurance policies. Preferred Risk Policies are allowed only 1-year terms. Three-year terms are allowed only for Group Flood policies 1 - 1 year; 3 - 3 years (only for policies effective prior to May 1, 1999); 9 - Other (between 1 and 3 years); no
primaryResidenceIndicator Primary Residence Indicator
boolean
Indicates whether or not the insured building/condominium unit is the primary residence of the insured. Yes is indicated with either a 'true' or '1'. No is indicated with either a 'false' or '0'. A single-family dwelling/condominium unit qualifies as the primary residence of the insured provided that, at the time of loss, the named insured or the named insured's spouse has lived in the dwelling for either (1) 80 percent of the 365 days immediately preceding the loss, or (2) 80 percent of the period of ownership of the insured dwelling, if ownership is less than 365 days. Effective June 1, 2014, the NFIP defines primary residence to be a building that will be lived in by the insured or the insured's spouse for more than 50 percent of the 365 days following the policy effective date. Y - Primary Residence of Insured; N - Non-Primary Residence; no
postFIRMConstructionIndicator Post Firm Construction Indicator
boolean
Yes (Y) or No (N) Indicator on whether construction was started before or after publication of the FIRM. Yes is indicated with either a 'true' or '1'. No is indicated with either a 'false' or '0'. For insurance rating purposes, buildings for which the start of construction or substantial improvement was after December 31, 1974, or on or after the effective date of the initial FIRM for the community, whichever is later, are considered Post-FIRM construction no
propertyState Property State
string
The two-character alpha abbreviation of the state in which the insured property is located no
reportedZipCode Reported Zip Code
string
5-digit Postal Zip Code for the insured property reported by WYO partners no
regularEmergencyProgramIndicator Regular Emergency Program Indicator
string
Identifies the phase of the NFIP in which a community is currently participating. The program status determines whether or not flood insurance is available and, if so, determines the limits of insurance coverage. R - Regular Program; E - Emergency Program; no
reportedCity Reported City
string
City where the insured building is located no
totalBuildingInsuranceCoverage Total Building Insurance Coverage
number
Total Insurance Amount in dollars on the Building no
smallBusinessIndicatorBuilding Small Business Building Incicator
boolean
Yes (Y) or No (N) indicator of whether or not the insured represents a small business. Yes is indicated with either a 'true' or '1'. No is indicated with either a 'false' or '0'. Small business is defined as a business with fewer than 100 employees in the policy application no
totalContentsInsuranceCoverage Total Contents Insurance Coverage
number
Total Insurance Amount in dollars on the Contents no
totalInsurancePremiumOfThePolicy Total Insurance Premium of the Policy
number
Total Insurance Premium of the Policy in dollars. Negative values indicate a refund no
id ID
string
Unique ID assigned to the record no
rateMethod Rate Method Code
string
Indicates policy rating method: 1 - Manual; 2 - Specific; 3 - Alternative; 4 - V-Zone Risk Factor Rating Form; 5 - Underinsured Condominium Master Policy; 6 - Provisional; 7 - Preferred Risk Policy (PRPs issued for eligible properties located within a non-Special Flood Hazard Area [non-SFHA]); 8 - Tentative; 9 - MPPP Policy; A - Optional Post-1981 V Zone; B - Pre-FIRM policies with elevation rating - Flood Insurance Manual rate tables; E - FEMA Pre-FIRM Special Rates; F - Leased Federal Property; G - Group Flood Insurance Policy (GFIP); P - Preferred Risk Policy (A PRP renewal issued in the first year following a map revision for an eligible property that was newly mapped into the SFHA by the map revision, or new business written for an eligible property that was newly mapped into the SFHA by a map revision effective on or after October 1, 2008 - PRP Eligibility Extension); Q - Preferred Risk Policy (subsequent PRP renewals where the previous policy year was reported as a 'P' or 'Q'); S - FEMA Special Rates; T - Severe Repetitive Loss Properties (formerly Target Group Full Risk). Effective October 1, 2013, code will no longer be valid; W - Pre-FIRM policies with elevation rating - Submit-for-Rate procedures; no

See Also

Access the metadata API calls for additional information:

Last updated Jul 22, 2020