CFM Exam Study Guide QUESTIONS AND ANSWERS 100% ACCURATE.
A decision-making process that aims to achieve the wise use of the nations floodplains. - What is
the unified national program for floodplain managements definition of floodplain management?
1. To reduce the loss of life, disruption, and damage caused by floods
2. To preserve and restore the natural resources and functions of floodplains - What are the two
primary goals of floodplain management?
1. Hilly areas with steep slopes and narrow valleys
2. Urban areas with large amounts of impervious surfaces and storm sewers
3. Areas downstream of dams or subject to ice jams - What areas are conducive to flash
flooding?
No. Riverine erosion can move stream channels and undercut structures. - Is erosion only a threat
in coastal areas?
Where storm water runoff collects in depressions and cannot drain out. - What is ponding?
Filling reduces the floodplains ability to store excess water, sending more water downstream and
causing floods to rise to higher levels. - What does filling in a floodplain do?
Yes, it may remove a natural barrier that protects inland properties - Does moving sand and sand
dunes affect flooding?
Moving, Standing - Hydrodynamic forces are caused by _____ water and hydrostatic forces are
caused by ____ water.
Wood, gypsum board, furniture and upholstery, carpeting, mattresses, books, electrical
appliances, gas engines - List three materials or house hold items that are particularly susceptible
to flood damage by soaking.
1. Regulations to prohibit development in high-hazard areas
2. Building codes requiring flood resistant construction for new buildings in flood prone areas
3. Acquisition and relocation of buildings in high hazard areas
4. Modifying or retrofitting existing buildings
5. Installing flood warning systems
6. Controlling storm water runoff
7. Provide self-help advice to property owners - What are examples of non-structural flood
protection measures
1. Modify human susceptibility to flood damage
2. Modify the impact of flooding
3. Modify flooding itself
,4. Preserve and restore natural resources - What are the Unified National Program for Floodplain
Managements four main floodplain management strategies?
The National Flood Insurance Act created the National Flood Insurance Program to:
1. Transfer the costs of private property flood losses from the taxpayers to floodplain property
owners through the flood insurance premiums.
2. Provide residents and property owners with financial aid after floods, especially smaller floods
that do not warrant federal disaster aid.
3. Guide development away from flood hazard areas.
4. Require that new and substantially improved buildings be constructed in ways that would
minimize or prevent damage in a flood. - What are the objectives of the NFIP?
1. Mapping
2. Insurance
3. Regulations - What are the three basic parts of the NFIP?
1. Communities, states amd federal agencies for regulating new floodprone construction
2. Insurance agents use them when rating flood insurance policies
3. Lenders and federal agencies use them to determine when flood insurance must be purchased
as a condition of a loan - Who uses NFIP maps?
Over time, exposure to flood damage should be reduced, as the older pre-firm buildings are
replaced by post-firm buildings. Eventually, a community should have only post-firm buildings
subject to little or no flood damage. - What should happen to buildings in NFIP communities
over time?
They vary from state to state, but can include cities, towns, villlages, townships, counties,
parishes, special districts, states and indian nations with the statutory authority to enact and
enforce regulations. - What type of governmental bodies are considered to be communities by
the NFIP?
The ten regional offices. - Which FEMA office works directly with communities?
An arrangement whereby private insurance companies write and service NFIP flood insurance
policies under their own name - What is the Write Your Own program?
1. A resolution of intent to "maintain in force...adequate land use and control measures" and to
cooperate with FEMA.
2. Its adopted floodplain management ordinance - When a community applies to join the NFIP,
what must it submit?
, 1. Flood insurance will not be available.
2. Existing flood insurance policies cannot be renewed.
3. No federal grants or loans for development
4. No federal disaster assistance
5. No federal mortgage insurance or loan guarantees
6. Federally insured lending institutions must notify applicants there is a flood hazard area and
the property is not eligible for federal disaster relief. - What are the sanctions if a community
does not participate in the NFIP?
Premium income. The NFIP has been self-supporting since 1986. - Where does most of the
money come from to pay the expenses of the NFIP?
More than 19,000 - How many communities currently participate in the NFIP?
A building built before the effective date of the community's flood insurance rate map. - What is
a Pre-Firm building?
Yes. Buildings built in accordance with the community's regulations have a lower risk of
flooding and can be insured at lower rates. - Is there any relation between how a community
regulates new construction and flood insurance rates?
1. Issuing or denying floodplain development/building permits
2. Inspecting all development to assure compliance with the local ordinance.
3. Maintaining records of floodplain development
4. Assisting in the preparation and revision of floodplain maps
5. Helping residents obtain information on flood hazards, floodplain map data, flood insurance
and proper construction measures - List two things your community committed itself to when it
joined the NFIP?
False. Flood insurance rates and coverage rules are set by FEMA's Federal Insurance
Administration - Insurance companies set flood insurance rates and coverage rules. True/false
1. If the community is in the community rating system, it can reclassify it to a class 10 (no
insurance premium discount).
2. The community can be put on probation.
3. The community can be suspended. - What can FEMA do to encourage a community to
adequately enforce its floodplain management regulations?
The same as for nonparticipation. Suspension means the community is no longer a participant in
the NFIP. - What are the sanctions if a community is suspended from NFIP?
Flood Prone Area and Flood Risk Zones - As directed by the National Flood Insurance Act of
1968, FEMA conducts flood studies in order to determine ____ and ____.
A decision-making process that aims to achieve the wise use of the nations floodplains. - What is
the unified national program for floodplain managements definition of floodplain management?
1. To reduce the loss of life, disruption, and damage caused by floods
2. To preserve and restore the natural resources and functions of floodplains - What are the two
primary goals of floodplain management?
1. Hilly areas with steep slopes and narrow valleys
2. Urban areas with large amounts of impervious surfaces and storm sewers
3. Areas downstream of dams or subject to ice jams - What areas are conducive to flash
flooding?
No. Riverine erosion can move stream channels and undercut structures. - Is erosion only a threat
in coastal areas?
Where storm water runoff collects in depressions and cannot drain out. - What is ponding?
Filling reduces the floodplains ability to store excess water, sending more water downstream and
causing floods to rise to higher levels. - What does filling in a floodplain do?
Yes, it may remove a natural barrier that protects inland properties - Does moving sand and sand
dunes affect flooding?
Moving, Standing - Hydrodynamic forces are caused by _____ water and hydrostatic forces are
caused by ____ water.
Wood, gypsum board, furniture and upholstery, carpeting, mattresses, books, electrical
appliances, gas engines - List three materials or house hold items that are particularly susceptible
to flood damage by soaking.
1. Regulations to prohibit development in high-hazard areas
2. Building codes requiring flood resistant construction for new buildings in flood prone areas
3. Acquisition and relocation of buildings in high hazard areas
4. Modifying or retrofitting existing buildings
5. Installing flood warning systems
6. Controlling storm water runoff
7. Provide self-help advice to property owners - What are examples of non-structural flood
protection measures
1. Modify human susceptibility to flood damage
2. Modify the impact of flooding
3. Modify flooding itself
,4. Preserve and restore natural resources - What are the Unified National Program for Floodplain
Managements four main floodplain management strategies?
The National Flood Insurance Act created the National Flood Insurance Program to:
1. Transfer the costs of private property flood losses from the taxpayers to floodplain property
owners through the flood insurance premiums.
2. Provide residents and property owners with financial aid after floods, especially smaller floods
that do not warrant federal disaster aid.
3. Guide development away from flood hazard areas.
4. Require that new and substantially improved buildings be constructed in ways that would
minimize or prevent damage in a flood. - What are the objectives of the NFIP?
1. Mapping
2. Insurance
3. Regulations - What are the three basic parts of the NFIP?
1. Communities, states amd federal agencies for regulating new floodprone construction
2. Insurance agents use them when rating flood insurance policies
3. Lenders and federal agencies use them to determine when flood insurance must be purchased
as a condition of a loan - Who uses NFIP maps?
Over time, exposure to flood damage should be reduced, as the older pre-firm buildings are
replaced by post-firm buildings. Eventually, a community should have only post-firm buildings
subject to little or no flood damage. - What should happen to buildings in NFIP communities
over time?
They vary from state to state, but can include cities, towns, villlages, townships, counties,
parishes, special districts, states and indian nations with the statutory authority to enact and
enforce regulations. - What type of governmental bodies are considered to be communities by
the NFIP?
The ten regional offices. - Which FEMA office works directly with communities?
An arrangement whereby private insurance companies write and service NFIP flood insurance
policies under their own name - What is the Write Your Own program?
1. A resolution of intent to "maintain in force...adequate land use and control measures" and to
cooperate with FEMA.
2. Its adopted floodplain management ordinance - When a community applies to join the NFIP,
what must it submit?
, 1. Flood insurance will not be available.
2. Existing flood insurance policies cannot be renewed.
3. No federal grants or loans for development
4. No federal disaster assistance
5. No federal mortgage insurance or loan guarantees
6. Federally insured lending institutions must notify applicants there is a flood hazard area and
the property is not eligible for federal disaster relief. - What are the sanctions if a community
does not participate in the NFIP?
Premium income. The NFIP has been self-supporting since 1986. - Where does most of the
money come from to pay the expenses of the NFIP?
More than 19,000 - How many communities currently participate in the NFIP?
A building built before the effective date of the community's flood insurance rate map. - What is
a Pre-Firm building?
Yes. Buildings built in accordance with the community's regulations have a lower risk of
flooding and can be insured at lower rates. - Is there any relation between how a community
regulates new construction and flood insurance rates?
1. Issuing or denying floodplain development/building permits
2. Inspecting all development to assure compliance with the local ordinance.
3. Maintaining records of floodplain development
4. Assisting in the preparation and revision of floodplain maps
5. Helping residents obtain information on flood hazards, floodplain map data, flood insurance
and proper construction measures - List two things your community committed itself to when it
joined the NFIP?
False. Flood insurance rates and coverage rules are set by FEMA's Federal Insurance
Administration - Insurance companies set flood insurance rates and coverage rules. True/false
1. If the community is in the community rating system, it can reclassify it to a class 10 (no
insurance premium discount).
2. The community can be put on probation.
3. The community can be suspended. - What can FEMA do to encourage a community to
adequately enforce its floodplain management regulations?
The same as for nonparticipation. Suspension means the community is no longer a participant in
the NFIP. - What are the sanctions if a community is suspended from NFIP?
Flood Prone Area and Flood Risk Zones - As directed by the National Flood Insurance Act of
1968, FEMA conducts flood studies in order to determine ____ and ____.
