Practice Test Geeks(CFS) Certified Floodplain Surveyor Practice Test
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CFS Flood Insurance & Claims Assessment Flashcards

6 cards from real CFS practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 6 CFS Flood Insurance & Claims Assessment flashcards as text

  1. What is the maximum building coverage limit available under a standard NFIP policy for a residential building?

    Answer: $250,000

    The NFIP provides a maximum of $250,000 in building coverage for residential structures; homeowners needing additional coverage may purchase excess flood insurance.

  2. Which FEMA program gives NFIP policyholders in communities that adopt enhanced floodplain management measures a discount on flood insurance premiums?

    Answer: Community Rating System (CRS)

    The Community Rating System (CRS) is a voluntary program that rewards communities exceeding minimum NFIP requirements with premium discounts of 5% to 45% for policyholders.

  3. When completing Section C of the Elevation Certificate, the surveyor must reference elevations to which datum?

    Answer: NGVD 29 or NAVD 88 as shown on the effective FIRM

    Section C elevations on the Elevation Certificate must be reported in the vertical datum (NAVD 88 or NGVD 29) used on the effective Flood Insurance Rate Map for that community.

  4. A pre-FIRM building is one constructed before which date, and why does this distinction matter for flood insurance?

    Answer: Before the community's initial FIRM effective date — they may qualify for subsidized rates

    Pre-FIRM buildings were constructed before the community's first Flood Insurance Rate Map and may have historically qualified for subsidized rates, though Risk Rating 2.0 transitioned most to actuarial pricing.

  5. Increased Cost of Compliance (ICC) coverage under an NFIP policy pays up to how much to help bring a substantially damaged building into compliance?

    Answer: $50,000

    ICC coverage provides up to $30,000 to help owners of substantially damaged or repetitive loss buildings pay the cost of elevating, floodproofing, demolishing, or relocating the structure.

  6. What is a 'repetitive loss property' under NFIP terminology?

    Answer: A property with two or more NFIP claims of over $1,000 each within any 10-year period

    FEMA defines a repetitive loss property as one that has had two or more NFIP claim payments of more than $1,000 each within any rolling 10-year period since 1978.