{
  "dataset_name": "Warehouse Fire Loss-Concentration and Source-Scope Dataset",
  "version": "2026-09-11",
  "creator": "Fort Wayne Dock Door Repair Research",
  "provenance_note": "Secondary compilation and original calculations, not newly measured fire incidents. Source rechecking is separate from running this script.",
  "annual_records": [
    {
      "year": 1980,
      "geography": "United States",
      "estimated_fires": 4700,
      "nominal_direct_loss_usd_millions": 60,
      "direct_loss_2024_usd_millions": 229,
      "nominal_loss_per_estimated_fire_usd": 12765.957447,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1981,
      "geography": "United States",
      "estimated_fires": 3800,
      "nominal_direct_loss_usd_millions": 84,
      "direct_loss_2024_usd_millions": 289,
      "nominal_loss_per_estimated_fire_usd": 22105.263158,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1982,
      "geography": "United States",
      "estimated_fires": 3500,
      "nominal_direct_loss_usd_millions": 58,
      "direct_loss_2024_usd_millions": 188,
      "nominal_loss_per_estimated_fire_usd": 16571.428571,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1983,
      "geography": "United States",
      "estimated_fires": 2800,
      "nominal_direct_loss_usd_millions": 100,
      "direct_loss_2024_usd_millions": 315,
      "nominal_loss_per_estimated_fire_usd": 35714.285714,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1984,
      "geography": "United States",
      "estimated_fires": 2900,
      "nominal_direct_loss_usd_millions": 52,
      "direct_loss_2024_usd_millions": 157,
      "nominal_loss_per_estimated_fire_usd": 17931.034483,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1985,
      "geography": "United States",
      "estimated_fires": 3100,
      "nominal_direct_loss_usd_millions": 148,
      "direct_loss_2024_usd_millions": 431,
      "nominal_loss_per_estimated_fire_usd": 47741.935484,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1986,
      "geography": "United States",
      "estimated_fires": 2600,
      "nominal_direct_loss_usd_millions": 48,
      "direct_loss_2024_usd_millions": 137,
      "nominal_loss_per_estimated_fire_usd": 18461.538462,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1987,
      "geography": "United States",
      "estimated_fires": 2500,
      "nominal_direct_loss_usd_millions": 68,
      "direct_loss_2024_usd_millions": 188,
      "nominal_loss_per_estimated_fire_usd": 27200.0,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1988,
      "geography": "United States",
      "estimated_fires": 2300,
      "nominal_direct_loss_usd_millions": 213,
      "direct_loss_2024_usd_millions": 565,
      "nominal_loss_per_estimated_fire_usd": 92608.695652,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1989,
      "geography": "United States",
      "estimated_fires": 1900,
      "nominal_direct_loss_usd_millions": 51,
      "direct_loss_2024_usd_millions": 129,
      "nominal_loss_per_estimated_fire_usd": 26842.105263,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1990,
      "geography": "United States",
      "estimated_fires": 1900,
      "nominal_direct_loss_usd_millions": 95,
      "direct_loss_2024_usd_millions": 228,
      "nominal_loss_per_estimated_fire_usd": 50000.0,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1991,
      "geography": "United States",
      "estimated_fires": 1800,
      "nominal_direct_loss_usd_millions": 46,
      "direct_loss_2024_usd_millions": 106,
      "nominal_loss_per_estimated_fire_usd": 25555.555556,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1992,
      "geography": "United States",
      "estimated_fires": 1500,
      "nominal_direct_loss_usd_millions": 36,
      "direct_loss_2024_usd_millions": 81,
      "nominal_loss_per_estimated_fire_usd": 24000.0,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1993,
      "geography": "United States",
      "estimated_fires": 1400,
      "nominal_direct_loss_usd_millions": 57,
      "direct_loss_2024_usd_millions": 124,
      "nominal_loss_per_estimated_fire_usd": 40714.285714,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1994,
      "geography": "United States",
      "estimated_fires": 1500,
      "nominal_direct_loss_usd_millions": 62,
      "direct_loss_2024_usd_millions": 131,
      "nominal_loss_per_estimated_fire_usd": 41333.333333,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1995,
      "geography": "United States",
      "estimated_fires": 1300,
      "nominal_direct_loss_usd_millions": 81,
      "direct_loss_2024_usd_millions": 167,
      "nominal_loss_per_estimated_fire_usd": 62307.692308,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1996,
      "geography": "United States",
      "estimated_fires": 1400,
      "nominal_direct_loss_usd_millions": 155,
      "direct_loss_2024_usd_millions": 310,
      "nominal_loss_per_estimated_fire_usd": 110714.285714,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1997,
      "geography": "United States",
      "estimated_fires": 1300,
      "nominal_direct_loss_usd_millions": 49,
      "direct_loss_2024_usd_millions": 96,
      "nominal_loss_per_estimated_fire_usd": 37692.307692,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1998,
      "geography": "United States",
      "estimated_fires": 1200,
      "nominal_direct_loss_usd_millions": 40,
      "direct_loss_2024_usd_millions": 77,
      "nominal_loss_per_estimated_fire_usd": 33333.333333,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 1999,
      "geography": "United States",
      "estimated_fires": 1359,
      "nominal_direct_loss_usd_millions": 433,
      "direct_loss_2024_usd_millions": 815,
      "nominal_loss_per_estimated_fire_usd": 318616.629875,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2000,
      "geography": "United States",
      "estimated_fires": 1537,
      "nominal_direct_loss_usd_millions": 165,
      "direct_loss_2024_usd_millions": 300,
      "nominal_loss_per_estimated_fire_usd": 107351.984385,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2001,
      "geography": "United States",
      "estimated_fires": 1471,
      "nominal_direct_loss_usd_millions": 140,
      "direct_loss_2024_usd_millions": 249,
      "nominal_loss_per_estimated_fire_usd": 95173.351462,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2002,
      "geography": "United States",
      "estimated_fires": 1382,
      "nominal_direct_loss_usd_millions": 135,
      "direct_loss_2024_usd_millions": 236,
      "nominal_loss_per_estimated_fire_usd": 97684.515195,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2003,
      "geography": "United States",
      "estimated_fires": 1390,
      "nominal_direct_loss_usd_millions": 157,
      "direct_loss_2024_usd_millions": 267,
      "nominal_loss_per_estimated_fire_usd": 112949.640288,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2004,
      "geography": "United States",
      "estimated_fires": 1384,
      "nominal_direct_loss_usd_millions": 138,
      "direct_loss_2024_usd_millions": 229,
      "nominal_loss_per_estimated_fire_usd": 99710.982659,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2005,
      "geography": "United States",
      "estimated_fires": 1262,
      "nominal_direct_loss_usd_millions": 128,
      "direct_loss_2024_usd_millions": 205,
      "nominal_loss_per_estimated_fire_usd": 101426.307448,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2006,
      "geography": "United States",
      "estimated_fires": 1356,
      "nominal_direct_loss_usd_millions": 76,
      "direct_loss_2024_usd_millions": 118,
      "nominal_loss_per_estimated_fire_usd": 56047.19764,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2007,
      "geography": "United States",
      "estimated_fires": 1399,
      "nominal_direct_loss_usd_millions": 142,
      "direct_loss_2024_usd_millions": 215,
      "nominal_loss_per_estimated_fire_usd": 101501.072194,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2008,
      "geography": "United States",
      "estimated_fires": 1404,
      "nominal_direct_loss_usd_millions": 311,
      "direct_loss_2024_usd_millions": 453,
      "nominal_loss_per_estimated_fire_usd": 221509.97151,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2009,
      "geography": "United States",
      "estimated_fires": 1138,
      "nominal_direct_loss_usd_millions": 152,
      "direct_loss_2024_usd_millions": 222,
      "nominal_loss_per_estimated_fire_usd": 133567.662566,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2010,
      "geography": "United States",
      "estimated_fires": 1168,
      "nominal_direct_loss_usd_millions": 123,
      "direct_loss_2024_usd_millions": 177,
      "nominal_loss_per_estimated_fire_usd": 105308.219178,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2011,
      "geography": "United States",
      "estimated_fires": 1223,
      "nominal_direct_loss_usd_millions": 212,
      "direct_loss_2024_usd_millions": 296,
      "nominal_loss_per_estimated_fire_usd": 173344.235487,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2012,
      "geography": "United States",
      "estimated_fires": 1297,
      "nominal_direct_loss_usd_millions": 162,
      "direct_loss_2024_usd_millions": 221,
      "nominal_loss_per_estimated_fire_usd": 124903.623747,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2013,
      "geography": "United States",
      "estimated_fires": 1246,
      "nominal_direct_loss_usd_millions": 126,
      "direct_loss_2024_usd_millions": 170,
      "nominal_loss_per_estimated_fire_usd": 101123.595506,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2014,
      "geography": "United States",
      "estimated_fires": 1300,
      "nominal_direct_loss_usd_millions": 112,
      "direct_loss_2024_usd_millions": 149,
      "nominal_loss_per_estimated_fire_usd": 86153.846154,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2015,
      "geography": "United States",
      "estimated_fires": 1506,
      "nominal_direct_loss_usd_millions": 162,
      "direct_loss_2024_usd_millions": 214,
      "nominal_loss_per_estimated_fire_usd": 107569.721116,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2016,
      "geography": "United States",
      "estimated_fires": 1339,
      "nominal_direct_loss_usd_millions": 271,
      "direct_loss_2024_usd_millions": 354,
      "nominal_loss_per_estimated_fire_usd": 202389.843167,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2017,
      "geography": "United States",
      "estimated_fires": 1559,
      "nominal_direct_loss_usd_millions": 84,
      "direct_loss_2024_usd_millions": 108,
      "nominal_loss_per_estimated_fire_usd": 53880.692752,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2018,
      "geography": "United States",
      "estimated_fires": 1357,
      "nominal_direct_loss_usd_millions": 168,
      "direct_loss_2024_usd_millions": 210,
      "nominal_loss_per_estimated_fire_usd": 123802.505527,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2019,
      "geography": "United States",
      "estimated_fires": 1627,
      "nominal_direct_loss_usd_millions": 219,
      "direct_loss_2024_usd_millions": 268,
      "nominal_loss_per_estimated_fire_usd": 134603.564843,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2020,
      "geography": "United States",
      "estimated_fires": 1385,
      "nominal_direct_loss_usd_millions": 671,
      "direct_loss_2024_usd_millions": 813,
      "nominal_loss_per_estimated_fire_usd": 484476.534296,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2021,
      "geography": "United States",
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      "direct_loss_2024_usd_millions": 402,
      "nominal_loss_per_estimated_fire_usd": 233512.786003,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2022,
      "geography": "United States",
      "estimated_fires": 1685,
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      "direct_loss_2024_usd_millions": 226,
      "nominal_loss_per_estimated_fire_usd": 125222.551929,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
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      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2023,
      "geography": "United States",
      "estimated_fires": 1473,
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      "direct_loss_2024_usd_millions": 161,
      "nominal_loss_per_estimated_fire_usd": 105906.313646,
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      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    },
    {
      "year": 2024,
      "geography": "United States",
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      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability."
    }
  ],
  "loss_concentration": [
    {
      "year": 2020,
      "geography": "United States",
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      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
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      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability.",
      "analysis_period": "2020-2024",
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      "period_nominal_loss_denominator_usd_millions": 1569,
      "period_2024_dollar_loss_denominator_usd_millions": 1786,
      "share_formula": "100 * annual_value / sum_of_same_measure_2020_2024"
    },
    {
      "year": 2021,
      "geography": "United States",
      "estimated_fires": 1486,
      "nominal_direct_loss_usd_millions": 347,
      "direct_loss_2024_usd_millions": 402,
      "nominal_loss_per_estimated_fire_usd": 233512.786003,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability.",
      "analysis_period": "2020-2024",
      "share_of_period_fires_percent": 19.25369267,
      "share_of_period_nominal_loss_percent": 22.11599745,
      "share_of_period_2024_dollar_loss_percent": 22.50839866,
      "period_fire_denominator": 7718,
      "period_nominal_loss_denominator_usd_millions": 1569,
      "period_2024_dollar_loss_denominator_usd_millions": 1786,
      "share_formula": "100 * annual_value / sum_of_same_measure_2020_2024"
    },
    {
      "year": 2022,
      "geography": "United States",
      "estimated_fires": 1685,
      "nominal_direct_loss_usd_millions": 211,
      "direct_loss_2024_usd_millions": 226,
      "nominal_loss_per_estimated_fire_usd": 125222.551929,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability.",
      "analysis_period": "2020-2024",
      "share_of_period_fires_percent": 21.83208085,
      "share_of_period_nominal_loss_percent": 13.44805609,
      "share_of_period_2024_dollar_loss_percent": 12.65397536,
      "period_fire_denominator": 7718,
      "period_nominal_loss_denominator_usd_millions": 1569,
      "period_2024_dollar_loss_denominator_usd_millions": 1786,
      "share_formula": "100 * annual_value / sum_of_same_measure_2020_2024"
    },
    {
      "year": 2023,
      "geography": "United States",
      "estimated_fires": 1473,
      "nominal_direct_loss_usd_millions": 156,
      "direct_loss_2024_usd_millions": 161,
      "nominal_loss_per_estimated_fire_usd": 105906.313646,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability.",
      "analysis_period": "2020-2024",
      "share_of_period_fires_percent": 19.08525525,
      "share_of_period_nominal_loss_percent": 9.94263862,
      "share_of_period_2024_dollar_loss_percent": 9.01455767,
      "period_fire_denominator": 7718,
      "period_nominal_loss_denominator_usd_millions": 1569,
      "period_2024_dollar_loss_denominator_usd_millions": 1786,
      "share_formula": "100 * annual_value / sum_of_same_measure_2020_2024"
    },
    {
      "year": 2024,
      "geography": "United States",
      "estimated_fires": 1689,
      "nominal_direct_loss_usd_millions": 184,
      "direct_loss_2024_usd_millions": 184,
      "nominal_loss_per_estimated_fire_usd": 108940.201303,
      "nominal_loss_per_fire_formula": "nominal_direct_loss_usd_millions * 1000000 / estimated_fires",
      "measure_type": "NFPA national estimates; per-fire ratio is secondary analysis",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 1, printed pages 2-3",
      "source_verified_date": "2026-09-11",
      "note": "Published source inputs are rounded estimates; per-fire ratio is not a median, insurance payout, or building probability.",
      "analysis_period": "2020-2024",
      "share_of_period_fires_percent": 21.88390775,
      "share_of_period_nominal_loss_percent": 11.72721479,
      "share_of_period_2024_dollar_loss_percent": 10.30235162,
      "period_fire_denominator": 7718,
      "period_nominal_loss_denominator_usd_millions": 1569,
      "period_2024_dollar_loss_denominator_usd_millions": 1786,
      "share_formula": "100 * annual_value / sum_of_same_measure_2020_2024"
    }
  ],
  "cause_status": [
    {
      "category": "Unintentional",
      "period": "2020-2024",
      "geography": "United States",
      "annual_estimated_fires": 453,
      "nfpa_published_fire_share_percent": 29,
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 7, printed page 7",
      "source_verified_date": "2026-09-11",
      "note": "Counts and percentages are independently rounded; category counts sum to 1543 while the printed total is 1544."
    },
    {
      "category": "Cause under investigation",
      "period": "2020-2024",
      "geography": "United States",
      "annual_estimated_fires": 295,
      "nfpa_published_fire_share_percent": 19,
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 7, printed page 7",
      "source_verified_date": "2026-09-11",
      "note": "Counts and percentages are independently rounded; category counts sum to 1543 while the printed total is 1544."
    },
    {
      "category": "Cause not reported",
      "period": "2020-2024",
      "geography": "United States",
      "annual_estimated_fires": 269,
      "nfpa_published_fire_share_percent": 17,
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 7, printed page 7",
      "source_verified_date": "2026-09-11",
      "note": "Counts and percentages are independently rounded; category counts sum to 1543 while the printed total is 1544."
    },
    {
      "category": "Cause undetermined after investigation",
      "period": "2020-2024",
      "geography": "United States",
      "annual_estimated_fires": 224,
      "nfpa_published_fire_share_percent": 14,
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 7, printed page 7",
      "source_verified_date": "2026-09-11",
      "note": "Counts and percentages are independently rounded; category counts sum to 1543 while the printed total is 1544."
    },
    {
      "category": "Failure of equipment or heat source",
      "period": "2020-2024",
      "geography": "United States",
      "annual_estimated_fires": 150,
      "nfpa_published_fire_share_percent": 10,
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 7, printed page 7",
      "source_verified_date": "2026-09-11",
      "note": "Counts and percentages are independently rounded; category counts sum to 1543 while the printed total is 1544."
    },
    {
      "category": "Other cause",
      "period": "2020-2024",
      "geography": "United States",
      "annual_estimated_fires": 32,
      "nfpa_published_fire_share_percent": 2,
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 7, printed page 7",
      "source_verified_date": "2026-09-11",
      "note": "Counts and percentages are independently rounded; category counts sum to 1543 while the printed total is 1544."
    },
    {
      "category": "Intentional",
      "period": "2020-2024",
      "geography": "United States",
      "annual_estimated_fires": 109,
      "nfpa_published_fire_share_percent": 7,
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 7, printed page 7",
      "source_verified_date": "2026-09-11",
      "note": "Counts and percentages are independently rounded; category counts sum to 1543 while the printed total is 1544."
    },
    {
      "category": "Act of nature",
      "period": "2020-2024",
      "geography": "United States",
      "annual_estimated_fires": 11,
      "nfpa_published_fire_share_percent": 1,
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Table 7, printed page 7",
      "source_verified_date": "2026-09-11",
      "note": "Counts and percentages are independently rounded; category counts sum to 1543 while the printed total is 1544."
    }
  ],
  "loss_share_indices": [
    {
      "statistical_field": "Time of day",
      "category": "Midnight to 6 a.m.",
      "period": "2020-2024",
      "geography": "United States",
      "nfpa_published_fire_share_percent": 18,
      "nfpa_published_nominal_loss_share_percent": 40,
      "loss_share_divided_by_fire_share": 2.22222222,
      "formula": "nfpa_published_nominal_loss_share_percent / nfpa_published_fire_share_percent",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehouse.pdf?rev=082bc2bc4eca42c09414cd8b8fb80ded",
      "source_edition": "February 2026",
      "source_locator": "Report Figure 5, printed page 4",
      "source_verified_date": "2026-09-11",
      "note": "Original descriptive index using rounded shares; 1 means equal shares. Not building risk or causal effect. Fields and selected subsets must not be pooled."
    },
    {
      "statistical_field": "Time of day",
      "category": "6 a.m. to noon",
      "period": "2020-2024",
      "geography": "United States",
      "nfpa_published_fire_share_percent": 25,
      "nfpa_published_nominal_loss_share_percent": 16,
      "loss_share_divided_by_fire_share": 0.64,
      "formula": "nfpa_published_nominal_loss_share_percent / nfpa_published_fire_share_percent",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehouse.pdf?rev=082bc2bc4eca42c09414cd8b8fb80ded",
      "source_edition": "February 2026",
      "source_locator": "Report Figure 5, printed page 4",
      "source_verified_date": "2026-09-11",
      "note": "Original descriptive index using rounded shares; 1 means equal shares. Not building risk or causal effect. Fields and selected subsets must not be pooled."
    },
    {
      "statistical_field": "Time of day",
      "category": "Noon to 6 p.m.",
      "period": "2020-2024",
      "geography": "United States",
      "nfpa_published_fire_share_percent": 30,
      "nfpa_published_nominal_loss_share_percent": 16,
      "loss_share_divided_by_fire_share": 0.53333333,
      "formula": "nfpa_published_nominal_loss_share_percent / nfpa_published_fire_share_percent",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehouse.pdf?rev=082bc2bc4eca42c09414cd8b8fb80ded",
      "source_edition": "February 2026",
      "source_locator": "Report Figure 5, printed page 4",
      "source_verified_date": "2026-09-11",
      "note": "Original descriptive index using rounded shares; 1 means equal shares. Not building risk or causal effect. Fields and selected subsets must not be pooled."
    },
    {
      "statistical_field": "Time of day",
      "category": "6 p.m. to midnight",
      "period": "2020-2024",
      "geography": "United States",
      "nfpa_published_fire_share_percent": 26,
      "nfpa_published_nominal_loss_share_percent": 28,
      "loss_share_divided_by_fire_share": 1.07692308,
      "formula": "nfpa_published_nominal_loss_share_percent / nfpa_published_fire_share_percent",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehouse.pdf?rev=082bc2bc4eca42c09414cd8b8fb80ded",
      "source_edition": "February 2026",
      "source_locator": "Report Figure 5, printed page 4",
      "source_verified_date": "2026-09-11",
      "note": "Original descriptive index using rounded shares; 1 means equal shares. Not building risk or causal effect. Fields and selected subsets must not be pooled."
    },
    {
      "statistical_field": "Structure status",
      "category": "Occupied and operating",
      "period": "2020-2024",
      "geography": "United States",
      "nfpa_published_fire_share_percent": 71,
      "nfpa_published_nominal_loss_share_percent": 92,
      "loss_share_divided_by_fire_share": 1.29577465,
      "formula": "nfpa_published_nominal_loss_share_percent / nfpa_published_fire_share_percent",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Supporting Table 2, printed page 3",
      "source_verified_date": "2026-09-11",
      "note": "Original descriptive index using rounded shares; 1 means equal shares. Not building risk or causal effect. Fields and selected subsets must not be pooled."
    },
    {
      "statistical_field": "Structure status",
      "category": "Vacant and unsecured",
      "period": "2020-2024",
      "geography": "United States",
      "nfpa_published_fire_share_percent": 15,
      "nfpa_published_nominal_loss_share_percent": 2,
      "loss_share_divided_by_fire_share": 0.13333333,
      "formula": "nfpa_published_nominal_loss_share_percent / nfpa_published_fire_share_percent",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Supporting Table 2, printed page 3",
      "source_verified_date": "2026-09-11",
      "note": "Original descriptive index using rounded shares; 1 means equal shares. Not building risk or causal effect. Fields and selected subsets must not be pooled."
    },
    {
      "statistical_field": "Structure status",
      "category": "Vacant and secured",
      "period": "2020-2024",
      "geography": "United States",
      "nfpa_published_fire_share_percent": 6,
      "nfpa_published_nominal_loss_share_percent": 3,
      "loss_share_divided_by_fire_share": 0.5,
      "formula": "nfpa_published_nominal_loss_share_percent / nfpa_published_fire_share_percent",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Supporting Table 2, printed page 3",
      "source_verified_date": "2026-09-11",
      "note": "Original descriptive index using rounded shares; 1 means equal shares. Not building risk or causal effect. Fields and selected subsets must not be pooled."
    },
    {
      "statistical_field": "Area of origin",
      "category": "Storage areas",
      "period": "2020-2024",
      "geography": "United States",
      "nfpa_published_fire_share_percent": 37,
      "nfpa_published_nominal_loss_share_percent": 69,
      "loss_share_divided_by_fire_share": 1.86486486,
      "formula": "nfpa_published_nominal_loss_share_percent / nfpa_published_fire_share_percent",
      "source_organization": "National Fire Protection Association",
      "source_url": "https://content.nfpa.org/-/media/Project/Storefront/Catalog/Files/Research/NFPA-Research/Building-and-life-safety/oswarehousetables.pdf?hash=EA17F8268ED44E027238DE51DFA529EB&rev=6718cdc007944fa295124afe2f03e115",
      "source_edition": "February 2026",
      "source_locator": "Supporting Table 10, printed page 12",
      "source_verified_date": "2026-09-11",
      "note": "Original descriptive index using rounded shares; 1 means equal shares. Not building risk or causal effect. Fields and selected subsets must not be pooled."
    }
  ],
  "regional_source_audit": [
    {
      "geography": "Indiana",
      "reporting_period": "2021",
      "metric": "IDHS commercial fire-investigation cases",
      "value": 59,
      "unit": "cases",
      "source_organization": "Indiana Department of Homeland Security",
      "source_url": "https://www.in.gov/dhs/fire-and-building-safety/community-risk-reduction/",
      "source_locator": "Fire Investigations table, Commercial row",
      "source_verified_date": "2026-09-11",
      "status": "Verified published administrative count",
      "qualification": "Not all commercial fires; not a warehouse-only count."
    },
    {
      "geography": "Indiana",
      "reporting_period": "2022",
      "metric": "IDHS commercial fire-investigation cases",
      "value": 76,
      "unit": "cases",
      "source_organization": "Indiana Department of Homeland Security",
      "source_url": "https://www.in.gov/dhs/fire-and-building-safety/community-risk-reduction/",
      "source_locator": "Fire Investigations table, Commercial row",
      "source_verified_date": "2026-09-11",
      "status": "Verified published administrative count",
      "qualification": "Not all commercial fires; not a warehouse-only count."
    },
    {
      "geography": "Indiana",
      "reporting_period": "2023",
      "metric": "IDHS commercial fire-investigation cases",
      "value": 71,
      "unit": "cases",
      "source_organization": "Indiana Department of Homeland Security",
      "source_url": "https://www.in.gov/dhs/fire-and-building-safety/community-risk-reduction/",
      "source_locator": "Fire Investigations table, Commercial row",
      "source_verified_date": "2026-09-11",
      "status": "Verified published administrative count",
      "qualification": "Not all commercial fires; not a warehouse-only count."
    },
    {
      "geography": "Indiana",
      "reporting_period": "2024",
      "metric": "IDHS commercial fire-investigation cases",
      "value": 74,
      "unit": "cases",
      "source_organization": "Indiana Department of Homeland Security",
      "source_url": "https://www.in.gov/dhs/fire-and-building-safety/community-risk-reduction/",
      "source_locator": "Fire Investigations table, Commercial row",
      "source_verified_date": "2026-09-11",
      "status": "Verified published administrative count",
      "qualification": "Not all commercial fires; not a warehouse-only count."
    },
    {
      "geography": "Fort Wayne Fire Department reporting scope",
      "reporting_period": "2023",
      "metric": "Structure Fire category",
      "value": 300,
      "unit": "reported category count",
      "source_organization": "Fort Wayne Fire Department",
      "source_url": "https://www.cityoffortwayne.in.gov/Archive.aspx?ADID=220",
      "source_locator": "Annual report, FIRE Types chart, PDF page 7",
      "source_verified_date": "2026-09-11",
      "status": "Verified published administrative count",
      "qualification": "Not warehouse-only and not a combined Allen County total."
    },
    {
      "geography": "Fort Wayne Fire Department reporting scope",
      "reporting_period": "2024",
      "metric": "Structure Fire category",
      "value": 272,
      "unit": "reported category count",
      "source_organization": "Fort Wayne Fire Department",
      "source_url": "https://www.cityoffortwayne.in.gov/Archive.aspx?ADID=222",
      "source_locator": "Annual report, FIRE Types chart, PDF page 7",
      "source_verified_date": "2026-09-11",
      "status": "Verified published administrative count",
      "qualification": "Not warehouse-only and not a combined Allen County total."
    },
    {
      "geography": "Indiana participating fire-service units",
      "reporting_period": "2025-07-01/2025-12-31",
      "metric": "Runs consisting of a fire",
      "value": 17090,
      "unit": "runs",
      "source_organization": "Indiana Department of Homeland Security",
      "source_url": "https://www.in.gov/dhs/files/IDHS_FINAL_HB-1427-Report_AM-Edits.pdf",
      "source_locator": "March 2026 report, printed page 1",
      "source_verified_date": "2026-09-11",
      "status": "Verified published administrative count",
      "qualification": "615 local units; 73.4% of known eligible entities. Not warehouse-only; not full-year."
    },
    {
      "geography": "Indiana",
      "reporting_period": "",
      "metric": "Warehouse-only annual incident total",
      "value": "",
      "unit": "incidents",
      "source_organization": "",
      "source_url": "",
      "source_locator": "",
      "source_verified_date": "2026-09-11",
      "status": "Not established in this compilation",
      "qualification": "Missing value is not zero; no statewide/county warehouse extraction was performed."
    },
    {
      "geography": "Allen County",
      "reporting_period": "",
      "metric": "Warehouse-only annual incident total",
      "value": "",
      "unit": "incidents",
      "source_organization": "",
      "source_url": "",
      "source_locator": "",
      "source_verified_date": "2026-09-11",
      "status": "Not established in this compilation",
      "qualification": "Missing value is not zero; no statewide/county warehouse extraction was performed."
    }
  ],
  "derived_metrics": {
    "period": "2020-2024",
    "estimated_fires_sum": 7718,
    "nominal_direct_loss_usd_millions_sum": 1569,
    "direct_loss_2024_usd_millions_sum": 1786,
    "annual_fires_mean_from_printed_values": 1543.6,
    "annual_nominal_loss_mean_usd_millions_from_printed_values": 313.8,
    "calendar_days": 1827,
    "estimated_fires_per_calendar_day": 4.224411603721949,
    "period_nominal_loss_per_estimated_fire_usd": 203291.0080331692,
    "nominal_loss_per_estimated_fire_2021_2024_usd": 141796.93668087793,
    "annual_nominal_loss_mean_2021_2024_usd_millions": 224.5,
    "fire_count_change_1980_2024_percent": -64.06382978723404,
    "fire_count_change_2009_2024_percent": 48.4182776801406,
    "fire_count_change_2023_2024_percent": 14.663951120162944,
    "unknown_status_annual_estimated_fires_sum": 788,
    "unknown_status_share_of_published_total_percent": 51.03626943005181,
    "unknown_status_formula": "100 * (295 + 269 + 224) / 1544",
    "source_verified_date": "2026-09-11"
  }
}