---
title: "NFIP Residential Penetration Rates"
method: GET
path: "/v1/NfipResidentialPenetrationRates"
tags: ["National Flood Insurance Program"]
---

# NFIP Residential Penetration Rates

`GET /v1/NfipResidentialPenetrationRates`

## Request

- Base URL: `https://www.fema.gov/api/open`
- URL: `https://www.fema.gov/api/open/v1/NfipResidentialPenetrationRates`
- Auth: none declared
- TypeScript: <https://skmtc.dev/fema/apis/openfema-api/docs/v1/NfipResidentialPenetrationRates/get.ts> (a function with typed inputs; its response is checked against the schema)

NFIP "take-up rates" or residential penetration rates are an estimate of the percentage of total residential structures covered by an NFIP policy. The NFIP residential penetration rate within an area, such as a county, is the ratio of insured residential structures to total residential structures in that area. Private flood insurance take-up rates are not available to FEMA and therefore, are not included in these estimates. This data can be used for various planning purposes to evaluate community resilience and residual flood risk, help states better understand areas vulnerable to flooding and provide guidance for flood insurance marketing. FEMA derives the number of total residential structures from the 2019 National Structure Inventory (NSI) 2022. 

Data in this report pertains to RESIDENTIAL properties only.
Incompleteness of NSI 2022 in some counties and communities can lead to the tables showing lower than actual numbers of total residential building stock and inflate the penetration rate, sometimes over 100%.  
FEMA's terms and conditions and citation requirements for datasets (API usage or file downloads) can be found on the OpenFEMA Terms and Conditions page: https://www.fema.gov/about/openfema/terms-conditions.
For answers to Frequently Asked Questions (FAQs) about the OpenFEMA program, API, and publicly available datasets, please visit: https://www.fema.gov/about/openfema/faq.


If you have media inquiries about this dataset, please email the FEMA Press Office at FEMA-Press-Office@fema.dhs.gov. For inquiries about FEMA's data and Open Government program, please email the OpenFEMA team at OpenFEMA@fema.dhs.gov .

## Query parameters

- `$filter` string
- `$top` integer
- `$skip` integer
- `$count` boolean
- `$filename` string
- `$metadata` boolean
- `$gzip` boolean
- `$orderby` string[]
- `$select` string[]
- `$format` 'json' | 'jsona' | 'jsonl' | 'csv' | 'parquet'

## Response `200`

OK

- object
  - `metadata` Metadata
    - `skip` number, nullable
    - `filter` string, nullable
    - `orderBy` string, nullable
    - `select` string, nullable
    - `rundate` string, nullable
    - `top` number, nullable
    - `format` string, nullable
    - `metadata` boolean, nullable
    - `entityname` string
    - `version` string
    - `url` string
    - `count` number, nullable
  - `NfipResidentialPenetrationRates` V1NfipResidentialPenetrationRates[]
    - `state` string, string: Full name of the State (e.g., Virginia)
    - `county` string, string, nullable: Full name of the county (e.g., Broward)
    - `resPenetrationRateSfha` number, float, nullable: NFIP insured residential structures in the Special Flood Hazard Area (SFHA) of the county divided by all residential structures in the SFHA of the county.
    - `resPenetrationRate` number, float, nullable: NFIP insured residential structures in the county divided by all residential structures in the county. Policy Contracts in Force (CIF) is a good approximation of individual insured structures, as opposed to Policies in Force (PIF), which includes individual units within condominium structures.
    - `resContractsInForce` number, nullable: National Flood Insurance Program (NFIP) Insured Residential Policy Contracts in Force (CIF) in the county. Data Source: PIVOT (system of record).
    - `resContractsInForceSfha` number, nullable: NFIP Insured Residential Policy Contracts in Force (CIF) in the SFHA of the county. Data Source: PIVOT (system of record).
    - `totalResStructuresSfha` number, nullable: Total residential structures in the SFHA of the county.
    - `totalResStructures` number, nullable: Total residential structures by county. Derived from National Structure Inventory 2022.
    - `fipsCode` string, string, nullable: FIPS five-digit numeric code used to identify states, counties and county equivalents in the United States, the District of Columbia, US territories, outlying areas of the US and freely associated states
    - `asOfDate` string, date, nullable: The date used to determine current Contracts in Force. When time is not specified in the field, it will default to T00:00:00.000Z
    - `id` string, string: Unique ID assigned to the record that does not persist between data set refreshes

---

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