Certified Floodplain Manager (CFM) Practice Exam

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Prepare for the Certified Floodplain Manager Exam with comprehensive quizzes, multiple-choice questions, and detailed explanations. Ensure you're ready with the best resources available!

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What triggers a property to require flood insurance under the NFIP?

Being located near a body of water
Having a federally backed mortgage loan and being in a SFHA
A history of flooding
The homeowner's personal choice

The correct answer is: Having a federally backed mortgage loan and being in a SFHA

This is because the National Flood Insurance Program (NFIP) is a government program that offers flood insurance to property owners in exchange for communities adopting and enforcing floodplain management regulations. The regulations require that any structure with a federally backed mortgage loan in a Special Flood Hazard Area (SFHA) must have flood insurance. The other options are not directly related to the NFIP's flood insurance requirements. While being located near a body of water and having a history of flooding may increase the likelihood of needing flood insurance, they are not specific criteria for the NFIP. Similarly, a homeowner's personal choice to purchase flood insurance does not automatically trigger the requirement under the NFIP.