Certified Floodplain Manager (CFM)
Exam Questions and Answers| Latest
Update
,1. In what year was the National Flood Insurance Program (NFIP)
established?
A. 1958
B. 1968
C. 1973
D. 1988
Answer: B
Rationale: The NFIP was created by the National Flood Insurance Act of 1968
in response to rising flood disaster costs and the limited availability of private
flood insurance.
2. Which federal agency currently administers the NFIP?
A. U.S. Army Corps of Engineers (USACE)
B. Federal Emergency Management Agency (FEMA)
C. Environmental Protection Agency (EPA)
D. Department of Housing and Urban Development (HUD)
Answer: B
Rationale: FEMA, part of the Department of Homeland Security, administers
the NFIP, including mapping, insurance, and floodplain management
requirements.
3. The Flood Disaster Protection Act of 1973 primarily did which of the
following?
A. Created the Community Rating System
B. Made flood insurance purchase mandatory for federally backed
mortgages in SFHAs
C. Established the Flood Mitigation Assistance program
D. Created the Increased Cost of Compliance coverage
Answer: B
Rationale: The 1973 Act made the purchase of flood insurance mandatory as a
condition of federal or federally related financial assistance (such as
mortgages) for structures in Special Flood Hazard Areas.
4. What is the primary purpose of the NFIP?
, A. To eliminate all flooding nationwide
B. To reduce future flood damage through floodplain management and
provide insurance protection
C. To fund levee construction exclusively
D. To replace private insurance markets entirely
Answer: B
Rationale: The NFIP's dual purpose is to reduce flood losses through
community floodplain management regulations and to offer property owners
flood insurance protection, reducing reliance on federal disaster assistance.
5. Participation in the NFIP by a community is:
A. Mandatory for all U.S. communities
B. Voluntary, based on adopting and enforcing floodplain management
regulations
C. Automatic upon statehood
D. Determined solely by FEMA without community input
Answer: B
Rationale: Community participation in the NFIP is voluntary. A community must
agree to adopt and enforce floodplain management regulations that meet or
exceed NFIP minimum standards.
6. The Biggert-Waters Flood Insurance Reform Act of 2012 primarily
aimed to:
A. Abolish the NFIP
B. Move the NFIP toward more actuarially sound, risk-based rates and
extend the program
C. Eliminate mandatory purchase requirements
D. Transfer NFIP mapping duties to USACE
Answer: B
Rationale: Biggert-Waters reauthorized the NFIP and pushed rates toward full
actuarial soundness by phasing out many subsidies, though some provisions
were later modified by the Homeowner Flood Insurance Affordability Act of
2014.
7. Which document is the official contract of insurance issued under the
NFIP?
, A. The Standard Flood Insurance Policy (SFIP)
B. The Flood Insurance Study (FIS)
C. The Letter of Map Amendment (LOMA)
D. The Community Rating System Manual
Answer: A
Rationale: The Standard Flood Insurance Policy (SFIP) is the uniform policy
contract used to provide NFIP flood insurance coverage nationwide.
8. A Certified Floodplain Manager (CFM) credential is administered by:
A. FEMA directly
B. The Association of State Floodplain Managers (ASFPM)
C. The U.S. Army Corps of Engineers
D. The National Weather Service
Answer: B
Rationale: ASFPM developed and administers the CFM certification program to
promote professional competency in floodplain management.
9. Which of the following best describes the concept of the NFIP's
'community as insured'?
A. Only individual homeowners can participate; communities have no role
B. The community's adoption and enforcement of floodplain regulations is
the basis for making flood insurance available to its residents
C. Only the local government can purchase flood insurance
D. Communities must own all flood-prone property to participate
Answer: B
Rationale: Flood insurance is made available to property owners as a benefit of
the community joining the NFIP and enforcing minimum floodplain management
standards; the community's compliance underpins availability.
10. The Community Rating System (CRS) was implemented in:
A. 1968
B. 1973
C. 1990
D. 2004
Answer: C
Exam Questions and Answers| Latest
Update
,1. In what year was the National Flood Insurance Program (NFIP)
established?
A. 1958
B. 1968
C. 1973
D. 1988
Answer: B
Rationale: The NFIP was created by the National Flood Insurance Act of 1968
in response to rising flood disaster costs and the limited availability of private
flood insurance.
2. Which federal agency currently administers the NFIP?
A. U.S. Army Corps of Engineers (USACE)
B. Federal Emergency Management Agency (FEMA)
C. Environmental Protection Agency (EPA)
D. Department of Housing and Urban Development (HUD)
Answer: B
Rationale: FEMA, part of the Department of Homeland Security, administers
the NFIP, including mapping, insurance, and floodplain management
requirements.
3. The Flood Disaster Protection Act of 1973 primarily did which of the
following?
A. Created the Community Rating System
B. Made flood insurance purchase mandatory for federally backed
mortgages in SFHAs
C. Established the Flood Mitigation Assistance program
D. Created the Increased Cost of Compliance coverage
Answer: B
Rationale: The 1973 Act made the purchase of flood insurance mandatory as a
condition of federal or federally related financial assistance (such as
mortgages) for structures in Special Flood Hazard Areas.
4. What is the primary purpose of the NFIP?
, A. To eliminate all flooding nationwide
B. To reduce future flood damage through floodplain management and
provide insurance protection
C. To fund levee construction exclusively
D. To replace private insurance markets entirely
Answer: B
Rationale: The NFIP's dual purpose is to reduce flood losses through
community floodplain management regulations and to offer property owners
flood insurance protection, reducing reliance on federal disaster assistance.
5. Participation in the NFIP by a community is:
A. Mandatory for all U.S. communities
B. Voluntary, based on adopting and enforcing floodplain management
regulations
C. Automatic upon statehood
D. Determined solely by FEMA without community input
Answer: B
Rationale: Community participation in the NFIP is voluntary. A community must
agree to adopt and enforce floodplain management regulations that meet or
exceed NFIP minimum standards.
6. The Biggert-Waters Flood Insurance Reform Act of 2012 primarily
aimed to:
A. Abolish the NFIP
B. Move the NFIP toward more actuarially sound, risk-based rates and
extend the program
C. Eliminate mandatory purchase requirements
D. Transfer NFIP mapping duties to USACE
Answer: B
Rationale: Biggert-Waters reauthorized the NFIP and pushed rates toward full
actuarial soundness by phasing out many subsidies, though some provisions
were later modified by the Homeowner Flood Insurance Affordability Act of
2014.
7. Which document is the official contract of insurance issued under the
NFIP?
, A. The Standard Flood Insurance Policy (SFIP)
B. The Flood Insurance Study (FIS)
C. The Letter of Map Amendment (LOMA)
D. The Community Rating System Manual
Answer: A
Rationale: The Standard Flood Insurance Policy (SFIP) is the uniform policy
contract used to provide NFIP flood insurance coverage nationwide.
8. A Certified Floodplain Manager (CFM) credential is administered by:
A. FEMA directly
B. The Association of State Floodplain Managers (ASFPM)
C. The U.S. Army Corps of Engineers
D. The National Weather Service
Answer: B
Rationale: ASFPM developed and administers the CFM certification program to
promote professional competency in floodplain management.
9. Which of the following best describes the concept of the NFIP's
'community as insured'?
A. Only individual homeowners can participate; communities have no role
B. The community's adoption and enforcement of floodplain regulations is
the basis for making flood insurance available to its residents
C. Only the local government can purchase flood insurance
D. Communities must own all flood-prone property to participate
Answer: B
Rationale: Flood insurance is made available to property owners as a benefit of
the community joining the NFIP and enforcing minimum floodplain management
standards; the community's compliance underpins availability.
10. The Community Rating System (CRS) was implemented in:
A. 1968
B. 1973
C. 1990
D. 2004
Answer: C
