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CFM Exam-- with 100% Correct Answers Verified Latest Update 2024
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CFM Exam✅✅
A FIRM takes effect at the end of a 6 month period, this also differentiates what? -
-pre- and post-FIRM buildings
✅✅
A typical SFHA identified as a FHBM is labeled as Zone ? with? or without? BFEs -
-Zone A, without BFEs
✅✅
Additional anchoring measures (reinforce crawlspace, footings, bolts, rods) should
be employed under what situations? - -(1) Flood flows faster than 5 fps (2)
Coastal subject to waves and high winds (3) Manufactured / Mobil homes
Adequate, uniform, and fair enforcement means what (2) things? - ✅✅
-(1)
Development on a floodplain must have a permit (2) Development with a permit must
be built according to approved plans
✅✅
After a flood what are permissible clean up and repair options that do not require a
permit during disaster operations? - -Removal / disposal of damaged contents,
Hosing / Scrubbing / Cleaning, Covering holes in roofs or walls or windows, making
bldg. safe to enter (sagging ceilings, shoring up broken foundations)
✅✅
After a period to review and appeal the draft FIRM, a community has up to _____
months to adopt new data in a more comprehensive ordinance? - -6 months
✅✅
Alluvial fan flooding is what type of special flood hazard and what are the inherent
hazards thereof? - -Uncertain flow path: (1) velocity and debris (2) sediment
and debris deposition (3) potential for channel to move
✅✅
An exception to floodproof residential basements may be permitted under what
conditions? - -Flood depths less than 5 ft, velocities less than 5 fps, and
adequate warning time
Annually, floods kill how many people? - ✅✅-150, largely by vehicles (can float in
up to 2 feet of water)
Annually, what is the approximate property damage due to flooding -✅✅-$6 Billion
At what depth of floodwater would floodproofing be appropriate? - ✅✅-3 feet since
walls and floors may collapse at depths above 3 feet.
✅✅
At what location will floodways be delineated in relation to levees that provide
100-year flood protection? - -Landside toe of the levee
, ✅✅
Can a community permit encroachments within the adopted regulatory floodway
resulting in an increase in BFEs? - -yes but through requirements following (1)
CLOMR (2) eval of alternatives (3) legal notice to effected and concurrence (4)
Can CRS credit be provided if mapping is not conducted by NFIP? - ✅✅-Yes,
BFEs, floodways and related regulatory data provided can receive CRS credit.
✅✅
Can ICC claims be filed for repetitive flooding? - -Provided 2 or more claims
averaging 25% or more of bldg. value within 10-yr period (provided in its ordinance)
Can you find BFEs for coastal floodplains and AO and AH zones? - ✅✅-Yes, they
are ONLY located on the FIRM, not tables within an FIS
✅✅
Concerning annexations, what should be used to determine flood protection
requirements? - -Use existing county's map and BFEs and adopt county's
FIRM in ordinance
✅✅
Concerning Coastal Barriers Resources Act of 1982 (CBRA), what is allowed in
terms of flood insurance? - -NFIP insurance banned after Oct 1, 1983, some
exemptions for insurance on new buildings supporting conservation use.
✅✅
Concerning watercourse alterations, what is the most significant assurance that must
be maintained? - -Flood carrying capacity is maintained.
✅✅-Must have at least (2) rigid walls
Definition of a building or structure. -
Describe areas where ponding may be a problem - ✅✅-Glaciated areas, caves
and sinkholes, man-made features
Describe NFIP regulations for mudslides - ✅✅
-Provides coverage in these areas
but does not require mapping or management measures
Describe the significance of a "taking" and NFIP regulations? - ✅✅ -A "taking" of
property is not permissible by the constitution, although Eminent Domain has few
circumstances (Roads, Utilities, public parks), NFIP regulates and does not prohibit
development per se.
Does a manufactured home include a recreational vehicle? - ✅✅-No, permanent
chassis designed for use without permanent foundation.
✅✅
Due to wave impacts V zones have special building protection standards in addition
to requirements for A zones, what are some of them? - -Landward of the reach
of mean high tide, elevated on pilings/posts/piers/columns (not permitted to elevate
on fill/solid wall/crawl spaces as obstructions to wave action)
, ✅✅
During a 30-year mortgage, what is the chance of being impacted by a 10-year
flood? - -96%
✅✅
During a 30-year mortgage, what is the chance of being impacted by a 100-year
flood? - -26%
✅✅
During a building permit, what is involved in terms of checking elevations during the
"Second" inspection? - -(1) Can have builder submit a survey of floor elevation
by surveyor/engineer (2) Can check for oneself
✅✅
During a Community Assistance Visit (CAV) what must be evident in terms of issued
variance(s)? - -Record and rationale for granting variance(s). Paper trail
✅✅
During disaster operations what essentially triggers the need for a building permit? -
-Structural alterations
✅✅
Effective Nov 1, 2004, what is necessary to receive HMGP funding for projects under
the new Pre-Disaster Mitigation Program? - -Must have a FEMA-approved
mitigation plan in place
Elevated or floodproofed buildings must be made out of "flood-resistant materials" for
✅✅
elements exposed to floodwaters, what are said materials and exposure time? -
-Concrete, brick, clay, hurricane clips, I/O carpeting, vinyl, metal doors,
poly-epoxy paint, stone, slate, silicon, pressure/marine treated lumber
FBFMs are known as? How have they changed? - ✅✅
-Flood Boundary and
Floodway Maps, post 1986 they have become integrated into FIRMs and separate
Floodway Maps are no longer being produced.
Flood Control Acts of 1928 and 1936 initiated what? - ✅✅-Construction of flood
control projects both coastal and riverine
✅✅
Flood insurance premium rates for pre-FIRM buildings are based on what? -
-Subsidized by NFIP. Policy owners do not pay actuarial (rates based on true
risk of building) rates
✅✅
Flood insurance premiums for post-FIRM buildings are based on what? -
-Degree of flood protection provided.
Flood profiles depicted in an FIS do not exist for what zones? - ✅✅-Zone AH or
AO
, ✅✅
Floodproofing designs not allowable for residential buildings and must account for
what following aspects? - -Flood warning time, building use, mode of entry/exit,
floodwater velocities, flood depths, debris impact/FFQ
✅✅
Floods that have a velocity greater than ? are regarding as a high velocity flood? -
-5 feet per second
✅✅
Follow up recommendations to help with enforcement after a flood / disaster
operation involve what aspects? - -Contact utilities (only connect with sign to
connect), instruct police & other depts. about permit requirements, within a week of
issuing notices visit notified properties to assure compliance, keep master list to
track
✅✅
For a non-compliant NFIP community, the recourse of probation involves what
aspects? - -(1) 90-day written notice to community and policy holders,
designed to provide allowable time for compliance (2) charges an additional $50 on
premiums sold or renewed under probation to bring attention to negligence
✅✅
For a non-compliant NFIP community, the recourse of suspension involves what
aspects? - -(1) Community failure to comply after probationary period (2) No
longer in NFIP (3) Subject to sanctions for non-participation (4) Offers a 30-day
suspension letter or written/oral hearing.
✅✅
For coastal flood elevations, what is the rule of thumb procedure to ensure regulatory
elevations used will be high enough for protection? - -Use BFE from the FIRM
(+) 0.4', do not use the table in the FIS
✅✅
For lake flood elevations, what is the rule of thumb for identifying BFEs? -
-BFEs identified to the nearest whole number, FIS table identified to the
nearest 0.1'. Lake flood elevations do not account for effects of waves.
✅✅
For Vertical Addition - Non Residential, when proposed substantial improvement is a
full or partial second floor.... - -Elevated or floodproofed (1 ft above BFE)
✅✅
Given a new manufactured home coming into a mobile home park that has been
established prior to NFIP regulations, what exemption is provided here. - -May
be elevated to at least 36" above grade with reinforced piers
Given the floodway data table provided in a FIS, what is the difference between the
✅✅
"Regulatory" elevations provided and "With Floodway" elevations? -
-"Regulatory" defines the BFEs essentially 100-year elevations, "With
Floodway" identifies elevation to which "Some" communities regulate to take into
account possible future increases in flood stages resulting from development.
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