CFS FEMA Regulations & NFIP Compliance 3

Question 1

Under the NFIP's Community Rating System (CRS), what is the primary benefit to policyholders in a participating community?

Accepted Answer

Discounts on flood insurance premiums based on the community's CRS class

Answer

CRS classes 1–9 provide premium discounts of 5–45% for policyholders in SFHA properties, rewarding communities that exceed minimum NFIP standards.

Question 2

What is the purpose of a Floodway Data Table in a Flood Insurance Study?

Accepted Answer

It shows cross-section data including floodway widths and regulatory floodway water surface elevations

Answer

The Floodway Data Table in the FIS provides cross-section-by-cross-section data including the computed water surface elevations and floodway widths used to establish the regulatory floodway.

Question 3

A property owner wants a Letter of Map Amendment (LOMA) for a structure shown in Zone AE. Which scenario would make the structure eligible for a LOMA?

Accepted Answer

The structure's lowest adjacent grade is at or above BFE based on natural ground

Answer

A LOMA removes a structure or lot from the SFHA when the lowest adjacent grade (natural ground) is at or above the BFE, showing the property was inadvertently included.

Question 4

Under 44 CFR § 60.3(d), which specific requirement applies to all new construction in Zone V coastal areas regarding enclosures below the BFE?

Accepted Answer

Enclosures must be designed to collapse under wave action without structural damage to the elevated portion

Answer

Zone V enclosures below BFE must use breakaway walls designed to collapse under wave action without causing structural damage to the elevated building above.

Question 5

When FEMA places a community on probation under the NFIP, what immediate effect does this have on flood insurance premiums?

Accepted Answer

A $50 surcharge is added to each flood insurance policy sold in the community

Answer

During NFIP probation, a $50 surcharge is added to every flood insurance policy written in the community until compliance is restored.

(CFS) Certified Floodplain Surveyor Practice Test

(CFS) Certified Floodplain Surveyor Practice Test

CFS FEMA Regulations & NFIP Compliance 3