Affordability of National Flood Insurance Program Premiums: Report 2 (2016)
Chapter: Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version
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Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
Appendix H
Tables of Data Fields Found in the NFIP Policy Database October 2013 Version
TABLE H-1 Summary of NFIP Policy Database Field Completeness
| Policy Data Category | Data Assessment |
| Building Characteristics | Data available for most of the policy records |
| Elevation Data | Up to 60% of records have null values for some fields |
| General Policy Info | Data available for most of the policy records |
| Location | Data available for most of the policy records. Some secondary fields in this category are not well populated |
| Miscellaneous | Data are very well populated. Some secondary fields in this category are not well populated |
| Policy Term Info | Data available for most of the policy records |
| Premium / Coverage Info | Data available for most of the policy records. Some secondary fields in this category are not well populated |
| Risk Rating Factor | Data available for most of the policy records. Some secondary fields in this category are not well populated |
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
TABLE H-2 NFIP Policy Database Field Completeness
| Policy Field Name | Policy Feed Description | Comments on Policy Field Values | Data Category |
| COMPANY_CD | Insurance Company Code | All records populated but approx. 2% of records have invalid values | General Policy Info |
| POL_NO | Policy Number | All records populated | General Policy Info |
| END_EFF_DT | Endorsement Effective Date | All records populated | Policy Term Info |
| T_PREMIUM | Total Annual Premium | Almost all records populated; less than 1% null | Premium / Coverage Info |
| N_EXP_CST | Expense Constant—NFIP Calculated | All records populated | Miscellaneous |
| POLICY_FEE | Federal Policy fee | All records populated | Miscellaneous |
| PREM_PAY_I | Premium Payment Indicator | Approx. 73% of records have null values | Miscellaneous |
| POL_EFF_DT | Policy Effective Date | All records populated | Policy Term Info |
| N_POL_TERM | NFIP Number of Policy Terms | Almost all records populated; less than 1% null | Policy Term Info |
| W_POL_TERM | Write Your Own Number of Policy Terms | Almost all records populated; less than 1% null | Policy Term Info |
| POL_STATUS | Policy Status | All records populated | General Policy Info |
| REGION | FEMA Region | All records populated | Location |
| PROGRAM | Community’s Program Type (Regular or Emergency) | All records populated | General Policy Info |
| OCCUPANCY | Occupancy Type | All records populated | Risk Rating Factor |
| T_COV_BLDG | Total Amount of Insurance Coverage for Building | All records populated | Premium / Coverage Info |
| T_COV_CONT | Total Amount of Insurance Coverage for Contents | All records populated | Premium / Coverage Info |
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
| Policy Field Name | Policy Feed Description | Comments on Policy Field Values | Data Category |
| ROLLOVER | Rollover Indicator | Almost all records populated; less than 1% null and/or invalid | General Policy Info |
| ORG_NB_DT | Original Policy Effective Date (New Business Date) | All records populated | Policy Term Info |
| CUR_POL_EF | Current Policy Effective Date | All records populated | Policy Term Info |
| COMMUNITY | Concatenated Number of Community No. + Panel + Suffix | All records populated | Location |
| PANEL_SUF | DFIRM Panel Suffix | Almost all records populated; less than 1% null and/or invalid | Location |
| CONDO_UNIT | Number of units covered by condo policy | All records populated | Building Characteristics |
| RATE_METHO | Type of Risk Rating Method | Almost all records populated; less than 1% null and/or invalid | Risk Rating Factor |
| POL_EXP_DT | Policy Expiration Date | All records populated | Policy Term Info |
| FIRST_NAME | Policy Holder First Name | Almost all records populated; less than 1% null | General Policy Info |
| LAST_NAME | Policy Holder Last Name | All records populated | General Policy Info |
| NAME | Name (N) or Descriptive (D) Property Information | Almost all records populated; less than 1% null | General Policy Info |
| ADDRESS1 | Secondary Address Field | Approx. 94% of records have null values | Location |
| ADDRESS2 | Primary Address Field | Almost all records populated; less than 1% null and/or invalid | Location |
| CITY | City | Almost all records populated; less than 1% null and/or invalid | Location |
| STATE | State (2 Letter Abbreviation) | All records populated | Location |
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
| Policy Field Name | Policy Feed Description | Comments on Policy Field Values | Data Category |
| ZIP1 | 7 Digit Zip | All records populated | Location |
| ZIP2 | 4 Digit Zip Extension | Approx. 7% have null and/or invalid records | Location |
| ADDRESSKEY | Address Key | Almost all records populated; less than 1% null and/or invalid | Location |
| N_ZIP_CODE | FEMA Geocoded 5 Digit Zipcode (9 Digit Zipcode in Some Cases) | Almost all records populated; less than 1% null and/or invalid | Location |
| FLOOD_ZONE | Flood Zone on DFIRM | Almost all records populated; less than 1% null and/or invalid | Risk Rating Factor |
| POST_FIRM | Is the Parcel Post-FIRM (Yes/No) | Almost all records populated; less than 1% null and/or invalid | Risk Rating Factor |
| DEDUCT_BLD | Deductible for Building | Almost all records populated; less than 1% null and/or invalid | Premium / Coverage Info |
| DEDUCT_CON | Deductible for Contents | Approx. 11% of records have null values | Premium / Coverage Info |
| ELEV_DIFF | Elevation Difference Between Lowest Floor and BFE | No null records but a lot of invalid attributes (ex. elevation differences of ± 1,000 feet) | Elevation |
| AS_OF_DT | As of Date (Currentness of Policy Database) | All records populated | General Policy Info |
| ORIG_CONST | Original Construction Date / Substantial | Almost all records populated; less than 1% null and/or invalid | Building Characteristics |
| BUILDING | Building Number of Floors / Building Type | Almost all records populated; less than 1% null and/or invalid | Building Characteristics |
| BASEMENT | Type of Basement or Enclosure | Almost all records populated; less than 1% null and/or invalid | Building Characteristics |
| SMALL_BUS | Small Business Indicator | All records populated | Miscellaneous |
| CONDO | Indicates If Condo Type | All records populated | Risk Rating Factor |
| FILE_IND | File Indicator | All records are null | Miscellaneous |
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
| Policy Field Name | Policy Feed Description | Comments on Policy Field Values | Data Category |
| BASE_FLOOD | Base Flood Elevation | All records populated, but approx. 64% had invalid values | Elevation |
| LOW_FLOOR | Elevation of Lowest Floor | All records populated, but approx. 64% had invalid values | Elevation |
| ELEV_BLDG | Is the Building Elevated (Yes/No) | All records populated | Building Characteristics |
| LOC_CONT | Location of Contents | About 30% of records are null | Premium / Coverage Info |
| INS_VAL_IN | Insurance to Value Indicator | Approx. 58% of records have null values | Premium / Coverage Info |
| OBSTRUCTIO | Obstruction | Approx. 78% of records have null values | Risk Rating Factor |
| ELEV_CERT | FEMA Elevation Certificate Indicator | Approx. 58% of records have null values | Elevation |
| POST_V_CER | Post V Zone Certification Indicator | Approx. 18% of records have null values | Risk Rating Factor |
| COMM_PROB | Community Probation Surcharge Amount | All records populated | Miscellaneous |
| CRS_CLASS | Community Rating System Class | All records populated | Risk Rating Factor |
| CRSE_CONST | Course of Construction Indicator | All records populated; less than 1% null and/ or invalid | Building Characteristics |
| STATE_OWN | State Owned Indicator | Almost all records populated; less than 1% null and/or invalid | Miscellaneous |
| DIS_ASST | Disaster Assistance Type | All records populated | General Policy Info |
| FLOOD_PROO | Flood-Proofed Indicator | Almost all records populated; less than 1% null and/or invalid | Building Characteristics |
| RLTRGTGP_I | Repetitive Loss Target Group Indicator | All records are null | Risk Rating Factor |
| DIAGRAM_NO | Elevation Certificate Diagram Number | Approx. 53% of records have null values | Elevation |
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
| Policy Field Name | Policy Feed Description | Comments on Policy Field Values | Data Category |
| LOWADJ_GRA | Lowest Adjacent Grade | All records populated, but approx. 69% had invalid values | Elevation |
| N_PREM_ICC | NFIP Premium ICC Coverage | All records populated | Premium / Coverage Info |
| N_COV_ICC | NFIP ICC Coverage | All records populated | Premium / Coverage Info |
| ADDR_UP_DT | Address Update Date | Almost all records populated; less than 1% null and/or invalid | Location |
| GIS_LONGI | GIS Longitude of Property | Almost all records populated; less than 1% null and/or invalid | Location |
| GIS_LATI | GIS Latitude of Property | Almost all records populated; less than 1% null and/or invalid | Location |
| GIS_GEORES | FEMA GIS Geocode Result | All records populated | Location |
| GIS_GEOCEN | FEMA GIS Geocoded Census Block | Almost all records populated; less than 1% null records but an additional 3% with invalid data | Location |
| PRINCIPAL | Principal Residence Indicator | All records populated | Risk Rating Factor |
| BW12 | Biggert-Waters 12 Values | All records populated | Risk Rating Factor |
| CBGFIPS | Census Block Group FIPS (Taken from GIS_ GEOCEN Field) | Almost all records populated; less than 1% null records but an additional 3% with invalid data | Location |
| STCO_FIPS | State, County FIPS (Taken from GIS_ GEOCEN Field) | Almost all records populated; less than 1% null records but an additional 3% with invalid data | Location |
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
Suggested Citation:
"Appendix H: Tables of Data Fields Found in the NFIP Policy Database October 2013 Version." National Academies of Sciences, Engineering, and Medicine. 2016. Affordability of National Flood Insurance Program Premiums: Report 2. Washington, DC: The National Academies Press.
doi: 10.17226/21848.
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