CFM Exam Questions (Latest Update 2025) with 100%
Accurate Answers/Solutions
Regarding the NFIP, what has been one of the major goals of federal, state, and local agencies?
- ✔✔Coordination of flood-loss reduction programs with environmental protection
and watershed mgmt
Identify (7) non-structural flood protection measures - ✔✔(1) Regs to prohibit development
(2) Bldg codes - flood resistance construction (3) Acquisition and relocation of bldgs (4)
modification/retrofitting of bldgs (5) flood warning (6) storm-water runoff (7) provision of self-
help to property owners
What is the Unified National Program for Floodplain Management - ✔✔Developed under
the National Flood Insurance Act of 1968, coordinates floodplain management efforts of
federal, state, local, and private entities
What is the purpose of the Federal Interagency Floodplain Management Task Force -
✔✔Group that identifies federal agencies involved with flooding that define "floodplain
management" as decision making process involving "wise use" of nations floodplains
What is "wise use" under the definition of floodplain management as defined by the Task Foce -
✔✔Involves (1) reduced flood losses (2) protection of natural resources (3) protection of
floodplain function
What are (4) floodplain management strategies? - ✔✔(1) Modify human susceptibility to
flood damage (2) Modify impact of flooding (3) Modify flooding itself (4) Preserve/restore
natural resources
Identify (6) tools in Floodplain Management Strategy (1) - ✔✔(1) regulation (2)
development/redevelopment practices (3) acquisition - open space preservation (4) elevate /
,floodproof (5) forecasts/warnings (6) preservation and restoration of natural resources and
floodplain function
Identify (4) tools in Floodplain Management Strategy (2) - ✔✔(1) education (2) emergency
measures (3) reduce financial impact (4) post-flood recovery plans
Identify (8) tools in Floodplain Management Strategy (3) - ✔✔(1) dams/reservoirs (2)
dikes/levees (3) channel alterations (4) diversion (5) abstractions (6) detention (7) inland
development protection (8) controlling runoff outside floodplain
Identify (6) tools in Floodplain Management Strategy (4) - ✔✔(1) wetlands / land-use regs
(2) develop/re-develop policies (3) acquisition / open space (4) education (5) tax adjustments
(6) beach nurishment / dune building
What are the (3) primary components to the NFIP? - ✔✔(1) Mapping (2) Insurance
(3) Regulation
In 1979 the Federal Insurance Administration (FIA) and NFIP were transferred to FEMA.
Regarding the mapping component of FEMA, what are the primary purposes of maps and data?
- ✔✔Regulating floodprone construction, Flood Insurance policies, Flood insurance
procurement condition of a loan.
What are (2) kinds of FEMA maps? - ✔✔(1) Flood Hazard Boundary Map (FHMB) for
approximate (2) Flood Insurance Rate Map (FIRM) including flood elevations and hazards
necessary to protect new construction from flood damage.
Regarding FIRM construction what (2) classifications are buildings identified? - ✔✔(1)
Pre-FIRM and (2) Post FIRM, based on how protected they are from the mapped hazard.
NFIP coverage pertains to damage by a "flood" identified as: - ✔✔General and temporary
condition of partial / complete inundation of normally dry land from (1) Overflow of inland/tidal
waters (2) Unusual / rapid accumulation or runoff of surface waters from ANY source.
,Flood insurance premiums for post-FIRM buildings are based on what? - ✔✔Degree of
flood protection provided.
Flood insurance premium rates for pre-FIRM buildings are based on what? -
✔✔Subsidized by NFIP. Policy owners do not pay actuarial (rates based on true risk of
building) rates
The NFIP underwrites flood insurance coverage for which communities? - ✔✔Those
that adopt and enforce floodplain regulations that meet or exceed NFIP critiera.
In terms of risk and insurance rates, buildings constructed in accordance with NFIP
regulations assure? - ✔✔Lower risk and lower rates
What (3) consequences may occur for communities that do not enforce NFIP ordinance? -
✔✔(1) New buildings subject to flood damage (2) Insurance on improperly constructed
building would be expensive (3) FEMA can impose sanctions
What are the roles of commitment of a participating NFIP community? - ✔✔(1)
Issuing/denying floodplain development/permits (2) Development inspection to assure
compliance (3) Record maintenance of floodplain development
(4) Assistance of prep and revision of floodplain maps
(5) Assist residents with info on hazards, map data, insurance and proper
construction measures.
What is the responsibility of the State Coordinating Agency that accompanies the NFIP? -
✔✔(1) Ensuring communities have legal authorities to adopt and enforce floodplain mgmt.
regs (2) Establishing minimum state regs consistent with NFIP (3) Provide technical assistance
to local govts (4) Coordinating activities of various state agencies that affect NFIP
, What is the Community Assistance Program (CAP)? - ✔✔State participation in which
NFIP funds are available on a 75/25 cost share to support State Coordinating Agencies for
responsibilities to local governments.
What are the responsibilities of the FEMA Mitigation Division in Washington DC? - ✔✔Sets
national policy for floodplain regulations along with researching floodplain construction
practices and administration of flood hazard mapping program.
What are (7) responsibilities of the FEMA regional office Mitigation Division in terms of NFIP? -
✔✔(1) Assist State Coordinating offices (2) Assess community compliance (3) Advise local
officials administering ordinance (4) Answer questions from design professionals (5) Review /
adopt new maps/data (6) Approve community floodplain mgmt. regs (7) Provide info/training
on flood insurance purchase requirements.
In terms of insurance, what are the responsibilities of the FEMA Mitigation Division? -
✔✔(1) Sets rates (2) Establishes coverage (3) Monitors applications/claims (4) Markets flood
insurance
What is one area in which NFIP supplemental funding has been provided by congress? -
✔✔Accelerate and support Map Modernization Program
What is the "Write-Your-Own" Program? - ✔✔Service and writing of NFIP policies
through private insurance.
Joining NFIP, community agrees to "maintain in force...adequate land use and control
measures consistent with NFIP criteria" and to: - ✔✔(1) Assist admin in floodplain
delineation (2) Provide info of floodplain present use and occupancy (3) Maintain for public
inspection and furnish applicability of flood insurance premium rates (4) Cooperate with
agencies and firms which undertake to study/survey/map etc (5) Notify administrator when
boundaries of community have been modified by annexation or vacated adaptation
After a period to review and appeal the draft FIRM, a community has up to _____ months to
adopt new data in a more comprehensive ordinance? - ✔✔6 months
Accurate Answers/Solutions
Regarding the NFIP, what has been one of the major goals of federal, state, and local agencies?
- ✔✔Coordination of flood-loss reduction programs with environmental protection
and watershed mgmt
Identify (7) non-structural flood protection measures - ✔✔(1) Regs to prohibit development
(2) Bldg codes - flood resistance construction (3) Acquisition and relocation of bldgs (4)
modification/retrofitting of bldgs (5) flood warning (6) storm-water runoff (7) provision of self-
help to property owners
What is the Unified National Program for Floodplain Management - ✔✔Developed under
the National Flood Insurance Act of 1968, coordinates floodplain management efforts of
federal, state, local, and private entities
What is the purpose of the Federal Interagency Floodplain Management Task Force -
✔✔Group that identifies federal agencies involved with flooding that define "floodplain
management" as decision making process involving "wise use" of nations floodplains
What is "wise use" under the definition of floodplain management as defined by the Task Foce -
✔✔Involves (1) reduced flood losses (2) protection of natural resources (3) protection of
floodplain function
What are (4) floodplain management strategies? - ✔✔(1) Modify human susceptibility to
flood damage (2) Modify impact of flooding (3) Modify flooding itself (4) Preserve/restore
natural resources
Identify (6) tools in Floodplain Management Strategy (1) - ✔✔(1) regulation (2)
development/redevelopment practices (3) acquisition - open space preservation (4) elevate /
,floodproof (5) forecasts/warnings (6) preservation and restoration of natural resources and
floodplain function
Identify (4) tools in Floodplain Management Strategy (2) - ✔✔(1) education (2) emergency
measures (3) reduce financial impact (4) post-flood recovery plans
Identify (8) tools in Floodplain Management Strategy (3) - ✔✔(1) dams/reservoirs (2)
dikes/levees (3) channel alterations (4) diversion (5) abstractions (6) detention (7) inland
development protection (8) controlling runoff outside floodplain
Identify (6) tools in Floodplain Management Strategy (4) - ✔✔(1) wetlands / land-use regs
(2) develop/re-develop policies (3) acquisition / open space (4) education (5) tax adjustments
(6) beach nurishment / dune building
What are the (3) primary components to the NFIP? - ✔✔(1) Mapping (2) Insurance
(3) Regulation
In 1979 the Federal Insurance Administration (FIA) and NFIP were transferred to FEMA.
Regarding the mapping component of FEMA, what are the primary purposes of maps and data?
- ✔✔Regulating floodprone construction, Flood Insurance policies, Flood insurance
procurement condition of a loan.
What are (2) kinds of FEMA maps? - ✔✔(1) Flood Hazard Boundary Map (FHMB) for
approximate (2) Flood Insurance Rate Map (FIRM) including flood elevations and hazards
necessary to protect new construction from flood damage.
Regarding FIRM construction what (2) classifications are buildings identified? - ✔✔(1)
Pre-FIRM and (2) Post FIRM, based on how protected they are from the mapped hazard.
NFIP coverage pertains to damage by a "flood" identified as: - ✔✔General and temporary
condition of partial / complete inundation of normally dry land from (1) Overflow of inland/tidal
waters (2) Unusual / rapid accumulation or runoff of surface waters from ANY source.
,Flood insurance premiums for post-FIRM buildings are based on what? - ✔✔Degree of
flood protection provided.
Flood insurance premium rates for pre-FIRM buildings are based on what? -
✔✔Subsidized by NFIP. Policy owners do not pay actuarial (rates based on true risk of
building) rates
The NFIP underwrites flood insurance coverage for which communities? - ✔✔Those
that adopt and enforce floodplain regulations that meet or exceed NFIP critiera.
In terms of risk and insurance rates, buildings constructed in accordance with NFIP
regulations assure? - ✔✔Lower risk and lower rates
What (3) consequences may occur for communities that do not enforce NFIP ordinance? -
✔✔(1) New buildings subject to flood damage (2) Insurance on improperly constructed
building would be expensive (3) FEMA can impose sanctions
What are the roles of commitment of a participating NFIP community? - ✔✔(1)
Issuing/denying floodplain development/permits (2) Development inspection to assure
compliance (3) Record maintenance of floodplain development
(4) Assistance of prep and revision of floodplain maps
(5) Assist residents with info on hazards, map data, insurance and proper
construction measures.
What is the responsibility of the State Coordinating Agency that accompanies the NFIP? -
✔✔(1) Ensuring communities have legal authorities to adopt and enforce floodplain mgmt.
regs (2) Establishing minimum state regs consistent with NFIP (3) Provide technical assistance
to local govts (4) Coordinating activities of various state agencies that affect NFIP
, What is the Community Assistance Program (CAP)? - ✔✔State participation in which
NFIP funds are available on a 75/25 cost share to support State Coordinating Agencies for
responsibilities to local governments.
What are the responsibilities of the FEMA Mitigation Division in Washington DC? - ✔✔Sets
national policy for floodplain regulations along with researching floodplain construction
practices and administration of flood hazard mapping program.
What are (7) responsibilities of the FEMA regional office Mitigation Division in terms of NFIP? -
✔✔(1) Assist State Coordinating offices (2) Assess community compliance (3) Advise local
officials administering ordinance (4) Answer questions from design professionals (5) Review /
adopt new maps/data (6) Approve community floodplain mgmt. regs (7) Provide info/training
on flood insurance purchase requirements.
In terms of insurance, what are the responsibilities of the FEMA Mitigation Division? -
✔✔(1) Sets rates (2) Establishes coverage (3) Monitors applications/claims (4) Markets flood
insurance
What is one area in which NFIP supplemental funding has been provided by congress? -
✔✔Accelerate and support Map Modernization Program
What is the "Write-Your-Own" Program? - ✔✔Service and writing of NFIP policies
through private insurance.
Joining NFIP, community agrees to "maintain in force...adequate land use and control
measures consistent with NFIP criteria" and to: - ✔✔(1) Assist admin in floodplain
delineation (2) Provide info of floodplain present use and occupancy (3) Maintain for public
inspection and furnish applicability of flood insurance premium rates (4) Cooperate with
agencies and firms which undertake to study/survey/map etc (5) Notify administrator when
boundaries of community have been modified by annexation or vacated adaptation
After a period to review and appeal the draft FIRM, a community has up to _____ months to
adopt new data in a more comprehensive ordinance? - ✔✔6 months
