该数据集亦称为三维图层，包含一组较为完整的未修改源几何多边形，这些多边形存在重叠。数据源自美国人口普查局、缅因州政府以及国家洪水灾害图层的行政边界。社区层级数据集包含与人口普查和NFIP数据相关的地理空间社区边界。该数据集不包含个人身份信息（PII）。社区层级数据可用作参考，将社区ID编号（CID）与管辖区域、原住民部落及特殊用地边界关联起来。<b>然而，由于管辖区域可能随时间变化，此数据集不应被视为权威资料。</b>完整数据部分下方提供地理数据库（GDB）链接。压缩文件包含一组可存储、查询和管理空间与非空间数据的文件，适用于能够读取此类文件的软件。它<b>包含社区层级的全部三个版本</b>，而不仅限于本数据集页面所描述的版本。数据截至2024年12月。目前暂无更新计划。该图层也可通过FEMA的ArcGIS在线查看器获取：https://fema.maps.arcgis.com/home/item.html?id=4b712b99d43d41cb9328e94891520a63。引用说明：FEMA关于数据集（API使用或文件下载）的引用要求，请参见OpenFEMA条款与条件页面中的引用数据部分：https://www.fema.gov/about/openfema/terms-conditions。有关OpenFEMA项目、API及公开数据集的常见问题解答（FAQ），请访问：https://www.fema.gov/about/openfema/faq。如需就本数据集进行媒体咨询，请发送邮件至FEMA新闻办公室：[email protected]。有关FEMA数据及开放政府项目的咨询，请发送邮件至

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, floodplain management, and providing 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 within 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 dataset provides details on NFIP policy 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. The Flood Insurance Claims Manual located at https://agents.floodsmart.gov/manuals, provides NFIP underwriting policies and processes to enable effective and consistent program implementation. A direct link to the manual is: https://agents.floodsmart.gov/sites/default/files/media/document/2025-09/fema_nfip-FloodInsuranceManual-October2025-508c.pdf. All revisions in PDF format are located under the "Transaction Record Reporting and Processing (TRPP) Plan" expandable heading. This dataset represents more than 80,000,000 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. This dataset is not intended to be an official federal report, and should not be considered an official federal report. 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 [email protected]. For inquiries about FEMA's data and Open Government program, please email the OpenFEMA team at [email protected].