In a recent issue of the New York State Association of Fire Chiefs Bugle, a fire sprinkler advocate clarifies the difference between NFPA 13, Installation of Sprinkler Systems, and NFPA 13D, Installation of Sprinkler Systems in One- and Two-Family Dwellings and Manufactured Homes.
"The biggest difference is cost," writes Tom Rinaldi with the New York State Codes Coalition. "An NFPA 13 system is what we normally find in commercial occupancies...and there are several variations."
Fire sprinklers installed in accordance with NFPA 13D are "very simple," stated Rinaldi, adding that there are no special valves or special equipment needed, leading to a less expensive installation. "The residential sprinkler...has been developed to allow you, your family, and your pets to safely exit the dwelling. It will certainly limit damage as a secondary result." Read Rinaldi's article for more information on the difference between NFPA 13D and NFPA 13.
Also, check out this video of NFPA's sprinkler expert addressing freezing pipe concerns for fire sprinklers: