CFM Exam questions with complete solutions.

CFM Exam questions with complete solutions. ACV - correct answer. Actual Cash Value BFE - correct answer. Base Flood Elevation CAC - correct answer. Community Assistance Contact (CAP) CAP - correct answer. Community Assistance Program CAV - correct answer. Community Assistance Visit (CAP) CBRA - correct answer. Coastal Barriers Resources Act CBRS - correct answer. Coastal Barriers Resource System CFM - correct answer. Certified Floodplain Manager CFR - correct answer. Code of Federal Regulations CHAMP - correct answer. Coastal Hazard Analysis Modeling Program CID - correct answer. Community Identification Number (on FIRM) CLOMA - correct answer. Conditional Letter Of Map Amendment CLOMR - correct answer. Conditional Letter Of Map Revision CRS - correct answer. Community Rating System DFIRM - correct answer. Digital Flood Insurance Rate Map DLG - correct answer. Digital Line Graph EC - correct answer. Elevation Certificate FBFM - correct answer. Flood Boundary Floodway Map FEMA - correct answer. Federal Emergency Management Agency FHBM - correct answer. Flood Hazard Boundary Map FIA - correct answer. Federal Insurance Administration FIRM - correct answer. Flood Insurance Rate Map FIS - correct answer. Flood Insurance Study FMA - correct answer. Flood Mitigation Assistance FPA - correct answer. Floodplain Administrator FPM - correct answer. Floodplain Manager GIS - correct answer. Geographic Information System HAG - correct answer. Highest Adjacent Grade HMGP - correct answer. Hazard Mitigation Grant Program (FEMA) HUD - correct answer. Housing & Urban Development ICC - correct answer. Increased Cost of Compliance ISO - correct answer. Insurance Services Office (NFIP) LAG - correct answer. Lowest Adjacent Grade LMMP - correct answer. Limited Map Maintenance Project LOMA - correct answer. Letter Of Map Amendment LOMC - correct answer. Letter Of Map Change LOMR - correct answer. Letter Of Map Revision LOMR-F - correct answer. Letter Of Map Revision based on Fill MOM - correct answer. Multiple Objective Management MSC - correct answer. Map Service Center (FEMA) NAI - correct answer. No Adverse Impact NBF - correct answer. Natural and Beneficial Functions NEPA - correct answer. National Environmental Policy Act NFIP - correct answer. National Flood Insurance Program NGVD - correct answer. National Geodetic Vertical Datum NPDES - correct answer. National Pollutant Discharge Elimination System OPA - correct answer. Otherwise Protected Areas PDM - correct answer. Pre-Disaster Mitigation Program PRP - correct answer. Preferred Risk Policy RSDE - correct answer. Residential Substantial Damage Estimator RFC - correct answer. Repetitive Flood Claims Program SFHA - correct answer. Special Flood Hazard Area SRL - correct answer. Severe Repetitive Loss Program STR - correct answer. Section / Township / Range USACE - correct answer. US Army Corps of Engineers USGS - correct answer. US Geological Survey WSEL - correct answer. Water Surface Elevation WYO - correct answer. Write Your Own 1% Annual Chance Flood - correct answer. Base Flood. 44 CFR §59 - correct answer. 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 - correct answer. 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 - correct answer. Floodplain Management Criteria for Flood-Prone Areas according to the Code of Federal Regulations. 44 CFR §65.5 - correct answer. Governs decisions for Letters of Map Revisions according to the Code of Federal Regulations. 44 CFR §70 - correct answer. Procedure for Map Correction according to the Code of Federal Regulations. 100 Year Flood - correct answer. See Base Flood. A Zones - correct answer. 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 - correct answer. SFHA where no base flood elevation is provided Zone A# - correct answer. Numbered A Zones (e.g. A7 or A14), SFHA where the FIRM shows a base flood elevation in relation to NGVD Zone AE - correct answer. SFHA where base flood elevations are provided. AE Zone delineations are now used on new FIRMs instead of A# Zones. Zone AO - correct answer. SFHA with sheet flow, ponding, or shallow flooding. Base flood depths (feet above grade) are provided. Zone AH - correct answer. Shallow flooding SFHA. Base flood elevations in relation to NGVD are provided. Zone AR - correct answer. 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 - correct answer. 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 - correct answer. 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 - correct answer. 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 - correct answer. (FEMA 480) to build up a shoreline by depositing sand, either by nature or human actions. Actual Cash Value (ACV) - correct answer. (FEMA 480) the replacement cost for a building, minus a depreciation percentage based on age and condition. Approximate A Zones - correct answer. 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 - correct answer. (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 - correct answer. 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 base floodplains of the little hazard, such as those with average depths of less than 1 foot. On newer FIRMs, may show as a shaded Zone X. Base Flood - correct answer. The NFIP flood level used for regulatory purposes. A flood with a 1% chance of occurring in any given year. Also known as the "100 Year Flood". Base Flood Elevation (BFE) - correct answer. Water surface elevation resulting from the Base Flood (or "1% Chance Flood") that is tied into a known vertical datum. The base flood is used by the NFIP as the basis for mapping, insurance rating, and regulating new construction. Base Flood Depth - correct answer. (FEMA 480) a measurement of the base flood in feet above ground, used for shallow flooding. Base Floodplain - correct answer. (FEMA 480) the area of water and land inundated by the base flood. Basement - correct answer. (FEMA 480) any area of the building having its flood sub-grade (below ground level) on all sides. Flood Insurance allows: No building coverage for wallpaper, carpeting and furnishings in a basement; Only contents coverage for portable AC units, washers, dryers, flood freezer (not walk- in) and food in freezer. Building - correct answer. (NFIP) A "building" as defined by NFIP is for insurance purposes, and is not necessarily the same as a "structure" for floodplain management purposes. Criteria for a building: Walled and roofed, has two or more rigid walls and a roof attached; 51% or more of the actual cash value above ground (51% is criterion for "principally"; Affixed permanently to the site ("mobile homes" must be built on permanent chassis and designed for use without a permanent foundation when attached to utilities Building Insurance Coverage - correct answer. Flood insurance coverage that is mandatory for homeowners. Includes things that typically stay with a house when it is sold, such as utility equipment, wall to wall carpet, wallpaper, paneling, and built-in furniture. Building Property Coverage = up to - correct answer. $250,000 Residential, $500,000 Commercial Contents Coverage (removable items inside buildings) = up to - correct answer. $100,000 Residential, $500,000 Commercial C Zone - correct answer. Area of minimal flood hazard, usually depicted on FIRMs as above the 500-year flood level of the primary source of flooding. C Zones may have local, shallow flooding problems. B and C Zones may have flooding that does not meet the criteria to be mapped as a SFHA, especially ponding and local drainage problems. On newer FIRMs, may show as an unshaded Zone X. CBRA Area - correct answer. Designation for areas in Coastal Barriers Resources System (CBRS) or Other Protected Area (OPA). Buildings shown in these areas are not eligible for flood insurance if built or substantially improved after specified dates. Some insurance may be available in OPAs for new structures that support conservation uses. Certified Levee - correct answer. A levee is certified if evidence, typically a statement by a licensed professional engineer or Federal agency responsible for levee design, has been presented showing that the structure meets current design, construction, maintenance, and operation standards to provide protection from the 1% annual chance flood. Coastal Hazard Analysis Modeling Program (CHAMP) - correct answer. is a software program available from FEMA; designed to enable the user to perform storm-induced erosion treatments, wave height analyses, and wave runup analyses associated with coastal flood hazard assessments. The tutorial will demonstrate the many functions of the program including entering, visualizing, tabulating and charting data, and performing coastal engineering analyses within a user-friendly environment. Channel - correct answer. (FEMA 480) Defined landforms that carry water. CHECK-RAS - correct answer. A software program available from FEMA; a program designed to verify the validity of an assortment of parameters found in the HEC-RAS hydraulics program. The CHECK-RAS tutorial will demonstrate the many functions of the program, including basic information about the U.S. Army Corps of Engineers HEC-RAS program. Coastal Barriers Resources Act (CBRA) - correct answer. (FEMA 480) The act which identified undeveloped portions of coastal barriers. CBRA restricts Federal spending and financial assistance to discourage development of coastal barriers; private funds not impacted. Coastal Erosion - correct answer. A natural process that affects whether shoreline is receding or accreting. Coastal erosion is a long-term process that shapes shorelines. Human activity - such as construction of groins or seawalls, the dredging of channels and placement of sandbags - can contribute to coastal erosion by contributing to the natural process of sand transport. Coastal Flooding - correct answer. (FEMA 480) Occurs along the coast of oceans and large lakes. "Storm Surge" pushes water toward shore increasing wave heights and water level by several feet; Causes coastal erosion (receding / accreting shoreline) Coastal Storms - correct answer. High winds and air pressure changes in coastal storms create "storm surge" by pushing water toward shore, increasing water level and destructive waves. Protective landforms such as dunes, bluffs and barrier islands are significantly changed by major coastal storms. Code of Federal Regulations (CFR) - correct answer. Documents the development standards that should be in a community's ordinance if they participate in the NFIP. Community - correct answer. (NFIP) A political entity that has the authority to adopt and enforce floodplain ordinance for the area under its jurisdiction. Community Assistance Contact (CAC) - correct answer. A contact with a NFIP participating community to determine how well the community is meeting NFIP responsibilities and determine if the more extensive CAV is needed. The CAC is generally conducted via phone and does not include a tour of the community. Community Assistance Program (CAP) - correct answer. (FEMA 480) A FEMA program that funds state activities that help communities in the NFIP. (FEMA) States that are participating in the NFIP are eligible for this Federally funded assistance. The CAP is intended to help States identify, prevent, and resolve floodplain management issues in participating communities before a flood event. Community Assistance Visit (CAV) - correct answer. A visit to a community participating in the NFIP for the purpose of: (a) Conducting a comprehensive assessment of the community's floodplain management program; (b) assisting the community and its staff in understanding the NFIP and its requirements; and (c) assisting the community in implementing effective flood loss reduction measures when program deficiencies or violations are discovered. Community Rating System (CRS) - correct answer. A voluntary program established by the NFIP to assist communities who want to do more than the minimum to reduce flood losses and make their communities safer. (FEMA 480) A program that provides a flood insurance premium rate reduction based on a community's floodplain management activities. Conditional Letter of Map Amendment (CLOMA) - correct answer. A letter of map amendment for a proposed structure to be built on the natural grade. CLOMAs can be issued by FEMA for both revisions as well as for amendments. A CLOMA is a statement from FEMA that if a project is constructed as planned, a Letter of Map Amendment can be issued later. Conditional Letter of Map Revision (CLOMR) - correct answer. (FEMA 480) A statement from FEMA that is a project is constructed as planned, a Letter of Map Revision can be issued later. Contents Insurance Coverage - correct answer. Flood insurance coverage which is optional, and the only kind of flood insurance available to renters. Contents coverage includes only removable items inside an insurable building. It cannot include animals, licensed vehicles, certain items (such as furs) valued at more than $250, money or papers, or items inside an uninsurable building. Critical Development - correct answer. A community may require that certain structures, such as jails, fire stations, hospitals, nursing homes, and other critical care facilities be placed outside of the SFHA or be additionally protected from flooding. Cross Section - correct answer. (FEMA 480) Surveyed information that describes the stream and the floodplain at a particular point along the stream. Datum - correct answer. (FEMA 480) A common vertical reference point, usually in relation to sea level. Detailed Studies - correct answer. (FEMA 480) Flood hazard mapping studies that are done use hydrologic and hydraulic methods that produce base flood elevations, floodways, and other pertinent flood data. Development - correct answer. (CFR 59.1) Any man-made change to improved or unimproved real estate, including but not limited to buildings or other structures, mining, dredging, filling, grading, paving, excavation or drilling operations or storage of equipment and materials. Means anything from placing a fence in the floodplain or floodway to building a structure, or even moving soil around. Disaster Mitigation Act of 2000 - correct answer. The Act pushes communities to integrate mitigation into daily decisions about land use and development with all community actions and projections. Discharge - correct answer. (FEMA 480) The amount of water that passes a point in a given period of time. Rate of discharge is usually measured in cubic feet per second (cfs). Elevation Certificate (EC) - correct answer. An Elevation Certificate form is used to report structural elevation, and verify compliance for the local FPM. ECs submitted at different points in the construction process, serves as proof that different parts of the development were built correctly. The EC is an important administrative tool of the NFIP. It is to be used to provide elevation information necessary to ensure compliance with community floodplain management ordinances, to determine the proper insurance premium rate, and to support a request for a LOMA or LOMR-F. The EC is required in order to properly rate post-FIRM buildings. Eminent Domain - correct answer. (FEMA 480) Governmental power to acquire a property without the owner's consent for public purpose. See also "taking". Excess Insurance Coverage - correct answer. Flood insurance coverage above the limit set for NFIP policies purchased separately from a private insurer. Excess coverage is optional. Executive Order 11988 (EO 11988) - correct answer. (FEMA 480) EO 11988 is a directive by the President that sets procedures Federal agencies must follow before they take or fund an action in the floodplain. Executive Order 11990 (EO 11990) - correct answer. EO 11990 is a directive by the President that sets procedures Federal agencies must follow before they take or fund an action impacting wetlands. Executive Order 13406 (EO13406) - correct answer. EO 13406 is a directive by the President that sets procedures government agencies must follow before they can "take" (under eminent domain) a property from a property owner or limit its use to such an extent that it is considered a "taking" Federal Insurance Administration (FIA) - correct answer. (FEMA 480) FIA was the part of FEMA that administered the NFIP. This is now the responsibility of FEMA's Mitigation Division. FIRMette - correct answer. Smaller version of the FIRM for a specific address. Can be created by going to the MSC website. Flash Flood - correct answer. (FEMA 480) A flood in hilly or mountainous areas that may come scant minutes after a heavy rain. One can also occur in urban areas where pavements and drainage improvements speed runoff to a stream. Highest number of flood related deaths caused by flash floods Flood - correct answer. (NFIP) General and temporary condition of partial or complete inundation of 2 or more acres of normally dry land or 2 or more properties from: Overflow of inland or tidal waters; Unusual and rapid accumulation or runoff of surface waters from any source; Mudflow; Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. Flood Hazard Boundary Map (FHBM) - correct answer. (FEMA 480) Official map of a community issued by FEMA, where the boundaries of the flood, mudflow, and related erosion areas having special flood hazards have been designated. The FHBM is generally the initial map provided the community and is eventually superseded by a FIRM. The FHBM was prepared without the benefit of detailed studies or hydraulic analyses and contains no BFEs. Flood Hazard Mitigation - correct answer. (FEMA 480) All actions that can be taken to reduce property damage and the threat to life an public health from flooding. Flood Insurance - correct answer. (NFIP) Flood insurance through the NFIP is only available to people in NFIP participating communities. Insurance is required for anyone in a SFHA with a federally backed mortgage loan, whether or not they live in a participating community. Flood insurance is available to both homeowners and renters. There are two types of flood insurance: building and contents coverage. Building coverage is mandatory (not available to renters), contents coverage is optional (available to renters). Flood Insurance Rate Map (FIRM) - correct answer. (FEMA 480) An official map of a community, on which FEMA has delineated both the Special Flood Hazard Areas (SFHAs) and the risk premium zones applicable to the community. Flood Insurance Study (FIS) - correct answer. (FEMA 480) A report published by FEMA for a community issued along with the community's FIRM. The study contains