NARCCAP data is stored in CF-compliant NetCDF format. Filenames
are of the form VariableName_ModelName_Time.nc.
VariableName is the IPCC/CF-convention Variable Name
as listed in the data tables
ModelName is the 4-character RCM identifier
Time is the starting time of the file, in the form
YearMonthDayHour.
So, for example, tas_RCM3_1981010103.nc contains data
for variable tas from the RegCM3 regional model starting
at 03 GMT on January 1st, 1981 and ending at 00 GMT on January 1st,
1985. All times are UTC (Universal Coordinated Time) or,
equivalently, GMT (Greenwich Mean Time).
NetCDF is a data format for storing array-oriented scientific data, particularly geophysical data. It is highly portable, widely-understood, and has built-in metadata that makes the files self-describing.

The main data array has associated coodinate arrays, xc, yc, and time, for each of its dimensions. Time is an unlimited or record dimension (important for some tools). Each variable in a NetCDF file can have attributes associated with it.
Here is an example of the headers for a NetCDF file: pr_WRFP_1979090103.nc.head.txt
-- produced by ncdump -h pr_WRFP_1979090103.nc
http://www.unidata.ucar.edu/software/netcdf/ -- The NetCDF homepage