NFIP Structural Variables
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| Structural Variable | Explanation | FIM | Specific Fields |
|---|---|---|---|
| Building Occupancy | Defines the type of use and occupancy of the building, affecting policy form and coverage limits. | 9-Mar | Single-Family, Manufactured Home, Residential Unit, Multifamily, Non-Residential |
| Construction Type | Specifies the construction materials used for the building's first floor above ground level. | 14-Mar | Frame, Masonry, Other |
| Foundation Type | Describes the type of foundation supporting the building, influencing elevation measurements. | 15-Mar | Slab on Grade, Basement, Elevated (Various Types) |
| First Floor Height | Indicates the height of the building's first floor above the adjacent grade. | 21-Mar | Measured in feet using Elevation Certificate or FEMA data |
| Mitigation Discounts | Discounts for actions like elevating machinery and equipment or proper flood openings. | 27-Mar | Machinery & Equipment Above First Floor, Proper Flood Openings |
| Floodproofing | Measures taken to floodproof a building for lower premiums, requiring certification. | 31-Mar | Certified by licensed engineers or architects, varies by building type |
| Replacement Cost Value | Represents the value of replacing the building, based on square footage and materials. | Mar-32 | Square footage, building material cost |
| Claims History | Details the building's prior NFIP claims, including severe repetitive losses. | Mar-33 | List of claims, repetitive loss indicators |
| Number of Detached Structures | The number of detached structures on the property, influencing policy coverage. | Mar-34 | Exact number of detached structures on the property |
| Number of Elevators | Counts the elevators in the building, relevant for policy evaluation and rating. | Mar-34 | Exact number of elevators present in the building |
| Number of Floors | Specifies the number of floors in the building, affecting coverage and risk assessment. | Mar-34 | Total number of floors in the structure |
| Floor of Unit | Identifies the specific floor of a unit in a multi-story building. | Mar-34 | Specific floor level (e.g., 1st, 2nd) |
| Primary Residence Status | Determines whether the insured building is a primary residence, impacting premiums. | Mar-35 | Yes/No indicator of primary residence status |