CFS Risk Assessment & Mitigation 3

Question 1

A repetitive loss property is defined by NFIP as a property that has received how many flood insurance claim payments over a 10-year period?

Accepted Answer

At least 2 payments exceeding $1,000 each

Answer

NFIP defines a repetitive loss property as one with two or more flood insurance claim payments of more than $1,000 each within any 10-year rolling period.

Question 2

What is the primary purpose of a Flood Insurance Rate Map (FIRM) in risk assessment?

Accepted Answer

To delineate flood hazard areas and establish BFEs for regulatory use

Answer

FIRMs officially delineate SFHAs, flood zone designations, and BFEs that communities use for floodplain management regulation and insurance rating.

Question 3

When conducting a vulnerability assessment, the term 'exposure' refers to:

Accepted Answer

The presence of people, property, or systems in hazard areas

Answer

Exposure describes what is located in the hazard zone — the inventory of people, assets, and systems that can be affected by flooding.

Question 4

A floodway is established to:

Accepted Answer

Convey the 1% annual chance flood without raising the BFE more than a regulatory surcharge

Answer

The regulatory floodway is the channel and adjacent overbank areas that must be kept free of encroachments so the 1% flood can pass without causing more than the allowable surcharge rise in BFE.

Question 5

Which mitigation action type directly removes structures from flood hazard areas?

Accepted Answer

Acquisition and demolition

Answer

Property acquisition and demolition permanently removes structures and converts the land to open space, eliminating future flood damage risk at that location.

(CFS) Certified Floodplain Surveyor Practice Test

(CFS) Certified Floodplain Surveyor Practice Test

CFS Risk Assessment & Mitigation 3