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 document does a surveyor complete to provide elevation data used in determining flood insurance rates?

    Answer: Elevation Certificate

    The Elevation Certificate (FEMA Form FF-206-FY-22-152) is the standard form used to document building elevations for flood insurance rating purposes.

  2. Under the NFIP, what is the primary factor used to calculate flood insurance premiums for buildings in Special Flood Hazard Areas?

    Answer: Difference between lowest floor elevation and Base Flood Elevation

    The difference between a building's lowest floor elevation and the Base Flood Elevation (freeboard) is the primary factor in determining NFIP premium rates.

  3. A homeowner believes their property was incorrectly placed in a high-risk flood zone. Which FEMA process allows them to challenge this designation?

    Answer: Letter of Map Amendment (LOMA)

    A Letter of Map Amendment (LOMA) is the formal process through which a property owner can request removal of their property from a Special Flood Hazard Area when the lowest ground point is at or above the BFE.

  4. What rating variable in the Risk Rating 2.0 methodology replaced the older zone-based pricing model?

    Answer: Individual property flood risk factors

    Risk Rating 2.0 uses individual property-level flood risk factors—including flood frequency, flood type, and distance to water—rather than broad flood zone classifications.

  5. Which type of NFIP claim payout covers the cost to repair or replace damaged structural elements of an insured building?

    Answer: Building coverage

    Building coverage under the NFIP pays for physical damage to the insured structure and its foundation, electrical systems, plumbing, and permanently installed fixtures.

  6. A building is substantially damaged when repair costs equal or exceed what percentage of its pre-damage market value?

    Answer: 50%

    FEMA and most NFIP-participating communities define substantial damage as damage where the cost of restoring the structure equals or exceeds 50% of its pre-damage market value.