Practice Test Geeks(CFS) Certified Floodplain Surveyor Practice Test
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Regulatory Compliance & Legal Framework Flashcards

7 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 7 Regulatory Compliance & Legal Framework flashcards as text

  1. What is the primary consequence for a property owner who purchases a federally-backed mortgage on a building in a SFHA that does not have flood insurance?

    Answer: The mortgage lender must purchase force-placed flood insurance and charge the borrower

    Under the Flood Disaster Protection Act, lenders must purchase force-placed flood insurance on behalf of borrowers who fail to maintain required flood insurance coverage.

  2. A community's floodplain ordinance is less restrictive than the state's model ordinance. Which standard governs NFIP compliance?

    Answer: The most restrictive standard among federal, state, and local requirements

    Floodplain management follows the principle that the most restrictive applicable standard governs; communities must meet federal minimums but must also comply with stricter state requirements.

  3. A structure in a Zone A (unnumbered A zone) is proposed for significant renovation. How does the community establish the regulatory flood elevation for permitting purposes when no BFE is published on the FIRM?

    Answer: The community must obtain, review, and reasonably utilize any BFE data available from federal, state, or other sources

    Per 44 CFR §60.3(b), communities must obtain, review, and reasonably utilize the best available BFE data from any reliable source for Zone A development decisions.

  4. Under the Community Rating System (CRS), which activity class directly credits communities for maintaining an up-to-date elevation certificate database for structures in the SFHA?

    Answer: Activity 310 – Elevation Certificates

    CRS Activity 310 credits communities for maintaining and providing elevation certificate data that helps property owners obtain accurate flood insurance ratings.

  5. When FEMA issues a Conditional Letter of Map Revision (CLOMR), what legal effect does it have on the existing FIRM?

    Answer: It provides official comment on proposed changes but does not revise the FIRM

    A CLOMR is FEMA's comment on a proposed project; it does not change the FIRM — only a final LOMR or LOMA does so after construction is completed.

  6. Which provision of 44 CFR prohibits any development in the regulatory floodway that would result in any increase in flood levels during the base flood discharge, absent a map revision?

    Answer: 44 CFR §60.3(d)(3)

    44 CFR §60.3(d)(3) requires communities to prohibit encroachments in the floodway that would result in any increase in flood levels during the base flood discharge.

  7. A building's pre-FIRM status exempts it from some NFIP elevation requirements. What is the general cutoff date used to determine if a structure is pre-FIRM?

    Answer: Before the date the community's first FIRM became effective

    Pre-FIRM structures are those built before the community's first Flood Insurance Rate Map became effective, which varies by community.