CFM Exam Questions (Latest Update 2025) with 100%
Accurate Answers/Solutions
1% Annual Chance Flood - ✔✔Base Flood.
44 CFR §59 - ✔✔NFIP General Provisions according to the Code of Federal Regulations.
Parts 59 and 60 include the definitions and standards that should be reflected in community
floodplain regulations.
44 CFR §60 - ✔✔Criteria for Land Management and Use according to the Code of Federal
Regulations. Parts 59 and 60 include the definitions and standards that should be reflected
in community floodplain regulations.
44 CFR §60.3 - ✔✔Floodplain Management Criteria for Flood-Prone Areas according to
the Code of Federal Regulations.
44 CFR §65.5 - ✔✔Governs decisions for Letters of Map Revisions according to the Code
of Federal Regulations.
44 CFR §70 - ✔✔Procedure for Map Correction according to the Code of Federal
Regulations.
100 Year Flood - ✔✔See Base Flood.
A Zones - ✔✔The Special Flood Hazard Area (except coastal V zones) shown on
a community's Flood Insurance Rate Map. There are seven types of A Zones.
Zone A - ✔✔SFHA where no base flood elevation is provided
,Zone A# - ✔✔Numbered A Zones (e.g. A7 or A14), SFHA where the FIRM shows a base
flood elevation in relation to NGVD
Zone AE - ✔✔SFHA where base flood elevations are provided. AE Zone delineations are
now used on new FIRMs instead of A# Zones.
Zone AO - ✔✔SFHA with sheet flow, ponding, or shallow flooding. Base flood depths
(feet above grade) are provided.
Zone AH - ✔✔Shallow flooding SFHA. Base flood elevations in relation to NGVD are
provided.
Zone AR - ✔✔A temporary designation for an area where a flood control system that no
longer provides protection from the base flood is expected to be improved so it will provide
protection to the base flood again in the future. This zone is not considered a SFHA or
"regulatory floodplain" for Community Rating System purposes.
, Zone A99 - ✔✔A mapped floodplain that will be protected by a federal flood
protection system where construction has reached specified statutory milestones. This
zone is not considered a SFHA or "regulatory floodplain" for Community Rating System
purposes.
Accessory Structures - ✔✔Lost-cost structures that do not have at least two rigid walls,
open structures, or buildings that may be wet-floodproofed. The following criteria apply:
Variance must be obtained; Use must be limited to parking or storage; Requires openings for
entry and exit of floodwater; Must use flood resistant materials below the BFE; Utilities must
be dry floodproofed or elevated and anchored to resist flotation, collapse and lateral
movement.
Accredited Levee - ✔✔If a levee can be shown that it provides the appropriate level of
protection from a Base Flood, then FEMA will "accredit" or recognize, the levee as providing
adequate protection on flood hazard maps, and the area behind it will be shown as a
moderate risk zone (shaded X).
Accrete - ✔✔(FEMA 480) to build up a shoreline by depositing sand, either by nature
or human actions.
Actual Cash Value (ACV) - ✔✔(FEMA 480) the replacement cost for a building, minus
a depreciation percentage based on age and condition.
Approximate A Zones - ✔✔A Zones have either a letter following the A, such as AE zones,
or have a number, such as A1 or A-30. Approximate A Zones are also called "unnumbered" A
Zones.
Approximate Studies - ✔✔(FEMA 480) Flood hazard mapping done using approximate study
methods that show the approximate outline of the base floodplain. An approximate study
does not produce a Base Flood Elevation (BFE).
B Zone - ✔✔Area of moderate flood hazard usually depicted on FIRMs as between the
limits of the base and 500-year floods of the primary source of flooding. B Zones may have
local, shallow flooding problems. B Zones are also used to designate areas protected by levees
and
Accurate Answers/Solutions
1% Annual Chance Flood - ✔✔Base Flood.
44 CFR §59 - ✔✔NFIP General Provisions according to the Code of Federal Regulations.
Parts 59 and 60 include the definitions and standards that should be reflected in community
floodplain regulations.
44 CFR §60 - ✔✔Criteria for Land Management and Use according to the Code of Federal
Regulations. Parts 59 and 60 include the definitions and standards that should be reflected
in community floodplain regulations.
44 CFR §60.3 - ✔✔Floodplain Management Criteria for Flood-Prone Areas according to
the Code of Federal Regulations.
44 CFR §65.5 - ✔✔Governs decisions for Letters of Map Revisions according to the Code
of Federal Regulations.
44 CFR §70 - ✔✔Procedure for Map Correction according to the Code of Federal
Regulations.
100 Year Flood - ✔✔See Base Flood.
A Zones - ✔✔The Special Flood Hazard Area (except coastal V zones) shown on
a community's Flood Insurance Rate Map. There are seven types of A Zones.
Zone A - ✔✔SFHA where no base flood elevation is provided
,Zone A# - ✔✔Numbered A Zones (e.g. A7 or A14), SFHA where the FIRM shows a base
flood elevation in relation to NGVD
Zone AE - ✔✔SFHA where base flood elevations are provided. AE Zone delineations are
now used on new FIRMs instead of A# Zones.
Zone AO - ✔✔SFHA with sheet flow, ponding, or shallow flooding. Base flood depths
(feet above grade) are provided.
Zone AH - ✔✔Shallow flooding SFHA. Base flood elevations in relation to NGVD are
provided.
Zone AR - ✔✔A temporary designation for an area where a flood control system that no
longer provides protection from the base flood is expected to be improved so it will provide
protection to the base flood again in the future. This zone is not considered a SFHA or
"regulatory floodplain" for Community Rating System purposes.
, Zone A99 - ✔✔A mapped floodplain that will be protected by a federal flood
protection system where construction has reached specified statutory milestones. This
zone is not considered a SFHA or "regulatory floodplain" for Community Rating System
purposes.
Accessory Structures - ✔✔Lost-cost structures that do not have at least two rigid walls,
open structures, or buildings that may be wet-floodproofed. The following criteria apply:
Variance must be obtained; Use must be limited to parking or storage; Requires openings for
entry and exit of floodwater; Must use flood resistant materials below the BFE; Utilities must
be dry floodproofed or elevated and anchored to resist flotation, collapse and lateral
movement.
Accredited Levee - ✔✔If a levee can be shown that it provides the appropriate level of
protection from a Base Flood, then FEMA will "accredit" or recognize, the levee as providing
adequate protection on flood hazard maps, and the area behind it will be shown as a
moderate risk zone (shaded X).
Accrete - ✔✔(FEMA 480) to build up a shoreline by depositing sand, either by nature
or human actions.
Actual Cash Value (ACV) - ✔✔(FEMA 480) the replacement cost for a building, minus
a depreciation percentage based on age and condition.
Approximate A Zones - ✔✔A Zones have either a letter following the A, such as AE zones,
or have a number, such as A1 or A-30. Approximate A Zones are also called "unnumbered" A
Zones.
Approximate Studies - ✔✔(FEMA 480) Flood hazard mapping done using approximate study
methods that show the approximate outline of the base floodplain. An approximate study
does not produce a Base Flood Elevation (BFE).
B Zone - ✔✔Area of moderate flood hazard usually depicted on FIRMs as between the
limits of the base and 500-year floods of the primary source of flooding. B Zones may have
local, shallow flooding problems. B Zones are also used to designate areas protected by levees
and
