CFM Exam
30) Unregulated development in a floodplain can a) increase flood heights of string b) increase flood heights down stream c) increase flood velocities d) all of the above
d) All of the above
43) V Zones are floodplains where: a) waves are more than 3 feet above the stillwater flood elevation b) waves are less than 3 feet above the still water flood elevation c) the still water fluid elevation is outside the 100 year flood plain d) floodways have been mapped for coastal areas
a) Waves are more than 3 feet above the stillwater flood elevation
46) Under the minimum NFIP requirements, how much can flood heights be raised by filling or other development in the regulatory floodway? a) 0 b) 1/10th of a foot c) One foot d) There is no restriction
a) 0
54) A 40-unit residential condominium will be elevated on pilings in an AE Zone. The floor with the condo units will be on beams, one-foot thick. The top of this floor will be 5 feet above the BFE. The area below the condo units will be at grade, 4 feet below the BFE. This lower area will be used only for parking, storage, a condo office, and a recreation room. The office and rec room will be insulated, finished, and carpeted. The base flood elevation is 10 feet NGVD. What is the elevation of the lowest floor? a) 6 feet NGVD b) 10 feet NGVD c) 14 feet NGVD d) 15 feet NGVD
a) 6 feet NGVD
113) Please select the correct FIRM Index Date to be entered on the elevation certificate. a) b) c) d)
a) August 19, 1998
60) To avoid a challenge of taking, a community should a) base the regulatory standards on the hazard b) not exceed the required state regulatory standards c) not regulate development outside the mapped floodplain d) pay for the properties adversely affected by the regulations
a) Base the regulatory standards on the hazard
67) Which of the following should be required after the second inspection but before a certificate of use or occupancy is issued? a) elevation certificate b) non-conversion agreement c) floodway encroachment certification d) all of the above
a) Elevation certificate
92) An application is submitted to you for a new house on a crawlspace in an AO Zone (depth 2'). Which of the following do you need to make the application complete? a) elevation certificate b) ... c) non-conversion agreement d) all of the above
a) Elevation certificate
68) The most common type of variance requested is to build or rebuild a house without elevating it to or above the base flood elevation. When would such a variance be justified? a) if the project would destroy the historic characteristics of a building on the state register of historic structures b) if the cost of meeting the ordinance requirements is unreasonably high c) if the occupants are disabled and cannot climb stairs d) all of the above
a) If the project would destroy the historic characteristics of a building on a state register of historic structures
31) Hydrostatic pressure on a building a) increases as the water gets deeper b) increases as the water moves faster c) increases the longer the water stays up d) all of the above
a) Increases as the water gets deeper
90) What's the best way for you to avoid being sued by a developer? a) know the regulations and enforce them fully b) make sure the ordinance does not exceed the NFIP and state standards c) have sufficient liability insurance coverage d) I just the regulatory requirements were appropriate for special situations
a) Know the regulations and enforce them fully
87) Where will the crawlspace vents need to be in Mrs. Robinson's house? a) no more than 1 foot above the ground b) as close to the floor joists as possible c) at least one on each wall d) it doesn't matter as long as there are enough of them
a) No more than one foot above the ground
66) An application is submitted for a permit for a new house in the floodway. Which of the following is needed with the application? a) no rise certification b) non-conversion agreement c) elevation certificate d) all of the above
a) No rise certification
41) What is the best source of base flood elevations for any location along a stream? a) profile b) FIRM c) flood way data table d) flood boundary floodway map
a) Profile
36) When it joins the NFIP, a community promises to a) regulate new development in the floodplain b) help prepare and revise NFIP maps c) help residents learn about flood insurance d) all of the above
a) Regulate new development in the floodplain
49) A FIRM shows an area as "Zone AO (depth 3')." This means that: a) the base flood elevation is 3 feet above ground level b) the base flood elevation is 3 feet above sea level c) the base flood elevation is 3 feet above NGVD d) A seawall, berm, or other feature keeps the water from flowing back into the ocean
a) The base flood elevation is three feet above ground level
53) A nursing home is proposed to be constructed on fill in the flood fringe. a) the lowest floor must be at or above BFE b) the basement floor can be below BFE if an engineer certifies that it is flood proofed c) it does not matter where the lowest floor will be if the owner applies for a LOMA after it is built d) nursing homes are critical facilities and in FIP regulations prohibit them in the floodplain
a) The lowest floor must be at or above the BFE.
98) What happened to Panel 0030 of Flood County's FIRM? a) there are no mapped floodplains, so it was not printed b) it is outside the corporate limit so it was not printed c) it is out of print so it is not included with this course d) it is all in the COBRA zone so it was not printed
a) There are no mapped floodplains, so it was not printed
80) The Floodtown Town Engineer gives you information that shows the ground to be higher than the BFE. Can you allow a new building at that site without requiring an elevation certificate? a) yes b) no c) only if a LOMA is issued d) only if a LOMR is issued
a) Yes
85) Floodtown does not have any floodways mapped for its riverine floodplains. A developer applies for a permit to fill in the area shown on the map. The developer's engineer's study shows that his filling will cause a 0.7-foot rise in flood heights. Can you permit the development project: a) yes, the rise is nice than the allowable 1 foot rise b) yes, with no floodway mapped, there are no requirements on increasing flood heights c) no no increase in flood heights are allowed when there is no mapped floodway d)...
a) Yes, the rise is less than the allowable 1 foot rise
77) In which of the following cases will the developer of a subdivision in an approximate A Zone not have to conduct a flood study? a) b) c) d)
a) the subdivision will have 40 lots and cover 4.5 acres
76) The base flood elevations for coastal studies are derived from the wave runup, or the wave crest elevation, whichever is greater, plus the a) b) c) d)
b) Stillwater elevations
104) Mr. Smith wants to build a new house near Site B in Flood County. The site is 400 feet upstream of the Glebe Way crossing. What is the base flood elevation at this site? a) 13.3 b) 10.2 c) 9.9 d) 11.0
b) 10.4
105) A permit applicant tells you that his site is 1,000 feet from an intersection. You try to locate the site on the Flood County FIRM, Panel 38. How many inches from the intersection is the site? a) 1 b) 2 c) 3 d) cannot tell from the data available
b) 2
74) Flatville has an AO Zone, but the FIRM does not specify a flood depth. What is the minimum elevation for the lowest floor of a new house? a) 1 foot above grade b) 2 feet above grade c) 3 feet above grade d) there is no minimum elevation requirement
b) 2 feet above grade
117) Please select the correct Top of bottom floor for the elevation certificate. a) b) c) d)
b) 3.2
26) In what part of the Code of Federal Regulations would you find the floodplain management criteria for floodprone areas? a) b) c) d)
b) 60.3
97) What is the NFIP community number for Floodville? a) 0098 b) 990098 c) 990098 0025-040 d) 990099 0025
b) 990098
50) Which of the following areas can be considered a "basement" under the NFIP? a) a walkout basement that is below grade on three sides b) a crawlspace with a floor that is below ground level on all sides c) an enclosed area above grade that is used solely for utilities and storage d) all of the above
b) A crawlspace with a floor that is below ground level on all sides
47) Ponding areas are usually designated on a FIRM as: a) AO Zone b) AH Zone c) AR Zone d) All of the above
b) AH Zone
84) A developer plans to build in an area that includes a wetland. What work can you permit the developer to do while he waits for the Corps of Engineers' 404 permit? a) all work on the project that complies with the NFIP requirements b) all complaint work that does not affect the wetland c) nothing until the 404 permit is issued d) nothing unless the Corps tell you that the permit will eventually be issued
b) All compliant work that does not affect the wetland
44) A floodplain map that does not show base flood elevations was prepared by: a) A detailed study b) An approximate study c) A hydrologic study d) A flood insurance restudy
b) An approximate study
71) Which costs the most for $10,000 of flood insurance coverage on a post-FIRM building built to the BFE? a) building coverage in the AE zone b) building coverage in the VE zone c) contents coverage in the AE zone d) contents coverage in the VE zone
b) Building coverage in the VE Zone
63) Which of the following requires Federal agencies to meet floodplain development standards similar to the NFIP's? a) NEPA b) EO 11988 c) section 404 of the clean water act d) nothing-Federal agencies are exempt from floodplain regulations
b) EO 11988
75) The second most frequent cause of flood deaths is a) b) c) d)
b) Electrocution
57) A new nonresidential building in a V Zone can be built a) elevated on fill b) elevated on pilings c) elevated on solid walls with proper vents d) all of the above
b) Elevated on pilings
42) What is the best source of base flood elevations for any location along the ocean shoreline? a) profile b) FIRM c) flood way data table d) flood boundary flood way map
b) FIRM
27) What type of flooding has caused the most deaths? a) Riverine b) Flash c) Hurricanes d) alluvial fan
b) Flash
110) Ms. Lovewater's proposed homesite is near Site C in Floodville. It is 150 feet east of the intersection of Barclay Lane and Good Place on the FIRM. The site is: a) in the SFHA b) in the floodway c) in a designated undeveloped coastal barrier d) all of the above
b) In the floodway
96) Dr. Quinn bought her pre-FIRM property in the AE Zone last month for $150,000. She wants to add a doctor's office and make other improvements to the building. Her contractor estimates that the project will cost $70,000. You tell her: a) it is a substantial improvement, the office must be elevated b) It's not a substantial improvement, so she can build the office at grade c) ... d) the NFIP prohibits medical offices and other critical facilities in the floodplain
b) It's not a substantial improvement, so she can build the office at grade
51) A developer's engineer conducted a study that showed that because of recent bridge replacement and channel improvement work, the base flood elevation for the development site is really two feet lower than shown on the FIRM. The developer wants the official FIRM to reflect this information. What form does he use to request a map change? a) MT-1 b) MT-2 c) MT-EZ d) Elevation Certificate
b) MT-2
88) Mrs. Robinson wants to put her furnace in the crawlspace. Can she? a) yes b) yes, as long as it is above BFE c) no, nothing is allowed below the lowest floor d) no, unless it is an electric furnace on a ground fault interrupter circuit
b) Yes, as long as it is above the BFE
52) A two-foot high floodwall is proposed to protect a house in the regulatory floodway. It will surround the house, 5 - 10 feet out from the house's foundation. The permit applicant says that the house is already an obstruction in the floodway, so the wall won't create a new problem. Do you need a no-rise certification? a) yes, all development projects in the floodplain need a no rise certification b) yes, the floor wall will make the existing obstruction larger c) no, this is a minor project, too small to warrant an engineering study d) no, walls are not insurable buildings and therefore not subject to the NFIP permit requirements
b) Yes, the floodwall will make the existing obstruction larger
89) The owner of an 800-square-foot mobile home located in a pre-FIRM mobile home park wants to replace it with a 750-square-foot mobile home. Are there any floodplain management requirements? a) yes, the new mobile home was be properly anchored b) yes, the new mobile home was be properly elevated and anchored c) no, there are no requirements in pre-firm mobile home parks d) no, as long as the new mobile home does not present a larger obstruction to flood flows
b) Yes, the new mobile home must be properly elevated and anchored
116) Please select the correct Base Flood Elevation to be entered for this structure location. a) b) c) d)
c) 10.1
119) Please select the correct lowest adjacent grade for the structure. a) b) c) d)
c) 10.5
118) Please select the next highest floor elevation for the elevation certificate. a) b) c) d)
c) 11.3
101) Ms. Coleman has a building site that is near Site D on Panel 40. The building official located it on the FIRM 300 feet east of the intersection of Little Drive and Axle Drive. What is the base flood elevation at this site? a) there is no base flood elevation; the site is in a C zone b) there is no base flood elevation; the site is in a B zone c) 14 feet d) 13.5 feet
c) 14 feet
107) RM 38-1 is located near Site A in Floodville. If you wanted to find RM 38-1 on the ground, what would you look for? a) a fire hydrant b) cross section C c) a chiseled square d) a marker similar to the one pictured on page 3-13 of the course notebook
c) A chiseled square
83) Which of the following floodplain projects will need a permit? a) replacing an old mobile home with a new one on the same side in an existing mobile home park b) paving a dirt street c) adding a second story to the house in a shallow AO zone d) all of the above
c) Adding a second story to a house in a shallow AO Zone
55) A new beach house will be built 8 feet above grade in an AE Zone. The owner, Mr. Warbucks, wants to enclose a part of the lower area to protect his Rolls Royce from theft and vandalism. Which of the following materials can be used on the enclosure? a) ... b) gypsum wallboard c) all of the above d) none of the above, enclosures are not allowed in coastal A zones
c) All of the above
69) A post-FIRM house was built to the BFE in effect at the time. A restudy has since raised the BFE by three feet. The house was worth $100,000 last month. Last week it had a fire. It will cost $60,000 to repair everything. How high must you require the lowest floor to be? a) at grade because it was damaged by a fire not a flood b) at or above the old BFE c) at or above the new BFE d) none of the above
c) At or above the new BFE
38) Which of the following best describes the Special Flood Hazard Area? a) flood way b) A, B, and C zones c) bass floodplain d) BFE
c) Base floodplain
73) Flatville's floodplain is up to one-half mile wide and has low-velocity flooding. Flatville's city council is worried that floodplain development will increase flood heights and affect even more properties. What regulatory standard would help prevent this? a) set backs b) free board c) compensatory storage d) none of the above
c) Compensatory storage
112) Please choose the suffix below to be entered in the elevation certificate. a) b) c) d)
c) D
48) How is the floodway shown on the new format Flood Insurance Rate Map? a) it's a white area b) it's a dark blue/ dark gray area c) It's a dark blue/dark grey area with diagonal lines d) the new FIRM doesn't show floodways, they are on the new floodway map
c) It's a dark blue/dark grey area with diagonal lines
45) Under the minimum NFIP requirements, how much can flood heights be raised by filling or other development in the flood fringe? a) 0 b) 1/10th of a foot c) One foot d) There is no restriction
c) One foot
37) Which of the following best describes the base flood? a) BFE b) 500 year flood c) 1% annual chance flood d) flood of record
c) One percent annual chance flood
106) A building was built in Floodville in the Rocky River floodplain in 1983. What kind of building is it? a) noncompliant b) uninsurable c) pre-FIRM d) Post-FIRM
c) Pre-FIRM
64) Which of the following requires regulation of development in wetlands? a) NEPA b) EO 11988 c) section 404 of the clean water act d) nothing-Federal agencies are exempt from floodplain regulations
c) Section 404 of the Clean Water Act
33) Why was the NFIP created? a) to stop development in floodplains b) to provide financial assistance to insurance companies struggling to help flood victims c) to shift the cost of disaster assistance to floodplain residents d) all of the above
c) To shift the cost of disaster assistance to floodplain residents
102) Once Ms.Coleman builds her house, can she receive Federal disaster assistance to rebuild? a) Yes b) Yes, as long as she buys a flood insurance policy c) Yes, if the local permit office states in writing that the house was not substantially damaged d) No
c) Yes, if the local permit office states in writing that the house was not substantially damaged
82) A developer obtains a CLOMR that shows that when the project is completed, a building site will be above the BFE. When reviewing the application for a permit to build a home on that site, a) you can exempt the house from the elevation requirements b) you can exempt the house from the elevation requirements require an elevation certificate when it is completed c) you required to how's to me all the regular floodplain ordinance requirements d) you can tell the applicant he won't need flood insurance
c) You require the house to meet all the regular floodplain ordinance requirements
115) Please select the correct Flood Zone to be entered on the elevation certificate. a) b) c) d)
c) Zone AE
78) Which of these materials is not sufficient to elevate a manufactured home above the BFE? a) b) c) d)
c) concreteblocks
100) How wide is the floodway on the Rocky River just downstream of the Glebe Way? a) can't tell from the available data b) 90 feet c) it's coincident with the channel banks d) 111 feet
d) 111 feet
86) Mrs. Robinson wants to build a 1,600 square foot one-story home on a crawlspace in an AE Zone. How many standard 8" x 16" crawlspace vents will be needed? a) 10 b) 11 c) 12 d) 13
d) 13
95) A surveyor brings a FEMA Elevation Certificate to you and asks for help in filling it out. The building is on a crawlspace in an AO Zone (depth 2'). Your inspection showed that it was properly elevated and has all the required vents. The surveyor asks what number he should enter in Section C, item 1. You tell him: a) 5 b) 6 c) 7 d) 8
d) 8
111) Please choose the number that should be in the Map and Panel Number blank of the Elevation Certificate. a) b) c) d)
d) 990090038
29) Which of the following are beneficial functions provided by floodplains? a) reduction in flood flows b) recharging of drinking water supplies c) recreation and aesthetic benefits d) all of the above
d) All of the above
32) Under the Unified National Program for Floodplain Management, which of the following can be appropriate floodplain management strategies? a) structural flood control projects b) flood insurance c) wetlands preservation d) all of the above
d) All of the above
34) If a community does not regulate new construction to the minimum requirements of the NFIP, a) the community can be suspended from the NFIP b) flood insurance premiums can be increased for all properties in the community c) new buildings may suffer flood damage d) all of the above
d) All of the above
35) Which of the following agencies are responsible for enforcing the sanctions for non- participation in the NFIP? a) Federal emergency management agency b) US environmental protection agency c) Federal deposit insurance corporation d) all of the above
d) All of the above
59) What agencies need to be notified before a proposal to modify or move a stream channel is approved? a) FEMA b) State NFIP coordinator c) adjacent communities d) all of the above
d) All of the above
62) Boomtown is a rapidly growing suburb on several small streams. Boomtown's city council wants to prevent flood damage as much as possible. What regulatory standard would help Boomtown? a) low density zoning b) stormwater detention c) stormwater retention d) all of the above
d) All of the above
72) What can a community do to lower the flood insurance premiums for new construction in approximate A Zones? a) join the community rating system b) require developers to calculate a base flood elevation as a condition of a permit c) prepare a detailed flight study for the area d) all of the above
d) All of the above
79) Floodtown has a FIRM with base flood elevations, but no floodway or coastal high hazard area. What NFIP regulations must Floodtown follow? a) 44 CFR 60.3(a) b) 44 CFR 60.3(b) c) 44 CFR 60.3(c) d) All of the above
d) All of the above
81) A developer wants to build a four-acre shopping center in an unnumbered A Zone in Floodtown. Which of the following would be acceptable sources of base flood elevations? a) a study conducted by the developer and approved by the town engineer b) are you still prepared by the state flood insurance coordinator's office c) the FEMA regional office says that 2 feet above the flood of record approximates the 100 year flood d) all of the above
d) All of the above
91) Before you accept a permit application as complete, it must include: a) site plan b) elevation certificate c) all necessary permits issued by state and federal agencies d) all of the above
d) All of the above
94) Granting a variance to build a new house below the BFE will result in: a) increased potential for flood damage b) increased flood insurance rates c) increased pressure from others to grant them variances d) all of the above
d) All of the above
114) Please select the correct FIRM Panel Effective Date to be entered on the elevation certificate. a) b) c) d)
d) August 19, 1998
99) What cross section is upstream of Site B on the Flood County Panel 038? a) A b) Glebe way c) RM3 d) B
d) B
120) Who can sign off as a certifier for this information? a) b) c) d)
d) BothAandB
28) Coastal erosion a) only occurs during storms b) is caused by tsunami's c) is caused by storm surge d) can be aggravated by human development
d) Can be aggravated by human development
40) Which of the following is used to describe the amount of water that comes downstream during a flood? a) hydrology b) hydraulics c) cross section d) discharge
d) Discharge
103) Caghey Drive is near Site F on the Flood County FIRM panel 40. Just east of Cagney Drive, there is a white line running parallel to the road in the SFHA. What does this black line mean? a) it's a cross section across the rocky river b) it means the top of Cagney drive is high enough to be a C Zone c) it designates the base flood elevation at that point d) it separates the AE zone from the VE zone
d) It separates the AE Zone from the VE Zone
109) Mr. McDonald has a survey that shows that his ground is higher than the base flood elevation at his site. You advise Mr. McDonald that if he wants to avoid the mandatory flood insurance purchase requirement, he will need to submit a request for a: a) re-study b) Limited map maintenance project c) map revision d) map amendment
d) Map amendment
93) A homeowner has substantially improved his house and has steadfastly refused to even apply for a floodplain development permit. Can FEMA help you bring this building into compliance with your ordinance? a) ... b) Yes - FEMA can you take the violator to court on your behalf c) No - FEMA expects the community to enforce their own ordinance d) No - FEMA has no standing in cases involving local ordinance enforcement
d) No - FEMA has no standing in cases involving local ordinance enforcement
58) How much fill is allowed in a V Zone? a) a limited amount if needed to get a LOMA b) a limited amount if needed to replace or build Sandune's affected by construction c) a limited amount ... d) none
d) None
70) After a flood, a church group came in and helped uninsured homeowners repair the damage. Which of the following is correct? a) the repairs are not affected by the substantial damage rule. All of the work is free, so there is no dollar figure for the substantial damage formula b) the repairs are exempt from the substantial damage rule because the work is being done by a church group and the churches are exempt from zoning regulations c) all of the above d) none of the above
d) None of the above
56) We now find that Mr. Warbucks' house is in the V Zone. How large can his enclosed garage be? a) no more than 300 square feet b) ... c) it doesn't matter as long is the sale at walls have enough openings d) none of the above, enclosures are not allowed in V zones
d) None of the above, enclosures are not allowed in V Zones
65) Which of the following is not a responsibility of the local floodplain ordinance administrator? a) keep the community's FIRM up to date b) apply for LOMAs c) coordinate permit review with other departments d) tell people to apply for permits
d) Tell people to apply for permits
61) Kismet City has just been hit by a tornado, wiping out several blocks of a residential neighborhood in the floodplain. People want to rebuild their lives and their homes as quickly as possible. The mayor says he wants to stop reconstruction and construction of new homes in the affected area until the City can find the money to buy them out and convert the area to a park. You tell the mayor that what he wants to do is called a) planned unit development b) taking c) inverse condemnation d) temporary moratorium
d) Temporary moratorium
39) What does an elevation reference mark tell you? a) the elevation of the ground at the reference Mark b) the elevation of the ground at the building site c) the base flood elevation d) the local NGVD
d) The local NGVD
108) Mr. McDonald wants to build a farm house near site E in Flood County. The site is 1,100 feet north off the west end of Cedar Hill Road. What is the base flood elevation for this site? a) 11.5 b) 19.0 c) 18.5 d) unknown - it is an unnumbered A zone
d) Unknown - it is in an unnumbered A zone