FEMA National Flood Insurance Program Data

The National Flood Insurance Program (NFIP) aims to reduce the impact of flooding on private and public structures.<br><br>The redacted claims dataset provides details on NFIP claims transactions. It is derived from the NFIP system of record, staged in the NFIP reporting platform and redacted to protect policy holder personally identifiable information. This dataset represents more than 2,000,000 claims transactions. In order to improve accessibility, we have one compressed file. <br><br>The Reinsurance data set was developed in support of FEMA reinsurance placement. We are sharing some of the reinsurance placement information with the general public, because it is important for the nation to more clearly understand our shared flood risk. The data and information was derived in part using catastrophic flood risk models developed by AIR-Worldwide and RMS, two well known risk model developers. That information may also be useful for the insurance industry, academics, and others in understanding and studying flood risk within the United States. FEMA looks to continue to foster strong private-public partnerships as FEMA, the public, academia, and the private sector work together to improve flood resiliency in the United States.<br><br>The Community Layer datasets contain geospatial community boundaries associated with Census and NFIP data. The dataset does not contain personal identifiable information (PII). The Community Layer can be used to tie Community ID numbers (CID) to jurisdiction, tribal, and special land use area boundaries. A geodatabase (GDB) link is Included in the Full Data section below. The compressed file contains a collection of files that can store, query, and manage both spatial and nonspatial data using software that can read such a file. It <b>contains all of the community layers</b>, not just the layer for which this dataset page describes.<br><br>The No Overlaps Whole Community Layer dataset is a variation on the Comprehensive Community Layer dataset, but flattened, with multi-county communities not split by county lines. "Flattened" means that there are no overlaps; larger shapes like counties are "punched out" or "clipped" where smaller communities are contained within them. This allows for choropleth shading and other mapping techniques such as calculating unincorporated county land area. Multicounty cities like Houston are a single feature, undivided by counties. This layer is derived from Census, State of Maine, and National Flood Hazard Layer political boundaries.<br><br>The No Overlaps Split Community Layer Dataset is a variation on the Comprehensive Community Layer dataset, but flattened, with multi-county communities split by county lines. "Flattened" means that there are no overlaps; larger shapes like counties are "punched out" or "clipped" where smaller communities are contained within them. This allows for choropleth shading and other mapping techniques such as calculating unincorporated county land area. Multicounty cities like Houston are split by county lines, allowing easier county summarization and alignment with certain NFIP statistics. This layer is derived from Census, State of Maine, and National Flood Hazard Layer political boundaries.<br><br>The NFIP Community Status Book dataset contains the current NFIP status of a community which determines whether citizens have the opportunity to purchase flood insurance as well as qualify for disaster assistance. In addition, this dataset provides the available insurance discount rates for communities that participate in the Community Rating System (CRS).<br><br>The Multiple Loss Properties dataset contains NFIP-insured structures that fall within the four categories of Repetitive Loss and Severe Repetitive Loss that FEMA tracks. Definitions of these categories are provided in the field descriptions. There are also fields to show whether a structure is currently NFIP-insured, has been mitigated, and other characteristics. The data includes properties that have since been mitigated or demolished and may no longer considered to be in any of the listed categories.<br><br>***Microdata: No (Policies, Air Touchstone Results (2017-23), RMS Storm Surge Exposure Report (2017-23), RMS Storm Surge Results Summary (2017-23), Yes (all remaining datasets)Level of Analysis: Groups - Communities; Local - Zip, City, County; State (Comprehensive Community Layer, Comprehensive Community Layer), n/a (Policies), Individual - Claims; Local - Zip, City, County; State (AIR Inland Exposure (2017-23), AIR Inland Flood Results (2017-23), AIR Storm Surge Exposure (2017-23), AIR Touchstone Results (2017-23)), Local - Zip (Flood Exposure Report (2017-23)), Individual - Contracts; States (Premium and Loss 1979-2015 Contract Basis Exhibit V2), Groups - Type of Occupancy by State; States (RMS Storm Surge Exposure Report (2017-23), RMS Storm Surge Results Summary (2017-23))<br>Variables Present: Yes File Layout: .csv, .xslx Codebook: Yes Methods: No (all datasets but: AIR Inland Flood Results 2020), Yes (AIR Inland Flood Results 2020) - <br>link: https://risksolutions.verisk.com/4a815b/siteassets/Publications/Brochures/documents/AIR-Inland-Flood... Weights (with appropriate documentation): No Publications: No Aggregate Data: Yes<br>

美国国家洪水保险计划（National Flood Insurance Program, NFIP）旨在减轻洪水对私人与公共建筑造成的影响。

经过脱敏处理的索赔数据集提供了NFIP索赔交易的详细信息。该数据集源自NFIP官方记录系统，存储于NFIP报告平台，并已完成脱敏处理以保护保单持有人的个人可识别信息（Personally Identifiable Information, PII）。本数据集涵盖超过200万笔索赔交易。为提升可访问性，我们提供了单个压缩文件。

再保险数据集是为支持联邦紧急事务管理局（Federal Emergency Management Agency, FEMA）再保险安排而开发的。我们将部分再保险安排信息向公众公开，因为让全国更清晰地认识我们共同面临的洪水风险至关重要。本数据及信息部分依托由AIR-Worldwide与RMS（两家知名风险模型开发商）开发的灾难性洪水风险模型生成。该信息也可助力保险业、学术界及其他相关方理解与研究美国境内的洪水风险。FEMA期待持续深化牢固的公私合作伙伴关系，与公众、学界及私营部门携手，提升美国的洪水韧性。

社区图层数据集包含与人口普查（Census）及NFIP数据相关的地理空间社区边界。本数据集不包含个人可识别信息（PII）。社区图层可用于将社区ID编号（Community ID Numbers, CID）与管辖区、部落及特殊土地用途区域边界进行关联。完整数据部分提供了地理数据库（Geodatabase, GDB）链接。该压缩文件包含一系列可通过支持该格式的软件实现存储、查询与管理空间及非空间数据的文件，**包含所有社区图层**，而非仅本数据集页面所描述的单一图层。

无重叠完整社区图层数据集是综合社区图层数据集的变体，经过扁平化处理，多县社区不会按县界拆分。“扁平化”意味着不存在重叠区域：当较小社区包含于较大区域（如县）时，会对较大区域进行“挖除”或“裁剪”。这一设计可支持等值区域填色法及其他制图技术，例如计算非建制县域土地面积。像休斯顿这类跨县城市会作为单个要素呈现，不会被县界分割。本图层源自人口普查数据、缅因州数据及国家洪水灾害图层的政治边界信息。

无重叠拆分社区图层数据集是综合社区图层数据集的变体，经过扁平化处理，多县社区会按县界拆分。“扁平化”意味着不存在重叠区域：当较小社区包含于较大区域（如县）时，会对较大区域进行“挖除”或“裁剪”。这一设计可支持等值区域填色法及其他制图技术，例如计算非建制县域土地面积。像休斯顿这类跨县城市会按县界拆分，便于按县进行汇总，并与部分NFIP统计数据对齐。本图层源自人口普查数据、缅因州数据及国家洪水灾害图层的政治边界信息。

NFIP社区状态手册数据集包含社区当前的NFIP状态，该状态决定了居民是否有机会购买洪水保险，以及是否有资格获得救灾援助。此外，本数据集还提供了参与社区评级系统（Community Rating System, CRS）的社区可享受的保险折扣费率。

多重损失物业数据集包含FEMA追踪的四类重复损失与严重重复损失的NFIP投保建筑。相关类别的定义详见字段说明。数据集还包含用于标识建筑当前是否为NFIP投保、是否已进行减灾处理及其他特征的字段。本数据包含后续已完成减灾改造或拆除、可能不再属于上述任一分类的物业。

***微数据：否（保单、AIR基准测试结果（2017-23）、RMS风暴潮暴露报告（2017-23）、RMS风暴潮结果汇总（2017-23））；是（其余所有数据集）
分析层级：分组 - 社区；本地级 - 邮编、城市、县；州级（综合社区图层、综合社区图层），不适用（保单）；个体级 - 索赔；本地级 - 邮编、城市、县；州级（AIR内陆暴露（2017-23）、AIR内陆洪水结果（2017-23）、AIR风暴潮暴露（2017-23）、AIR基准测试结果（2017-23）），本地级 - 邮编（洪水暴露报告（2017-23）），个体级 - 合同；州级（1979-2015年保费与损失合同基础附表V2），分组 - 按州划分的占用类型；州级（RMS风暴潮暴露报告（2017-23）、RMS风暴潮结果汇总（2017-23））
存在变量：是
文件格式：.csv、.xlsx
代码手册：是
分析方法：否（除AIR内陆洪水结果2020外的所有数据集）；是（AIR内陆洪水结果2020） - 链接：https://risksolutions.verisk.com/4a815b/siteassets/Publications/Brochures/documents/AIR-Inland-Flood...
权重（附配套文档）：否
出版物：否
聚合数据：是