Certified Floodplain Manager (CFM) Practice Exam

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What qualifies as a flood under the NFIP?

  1. Continual heavy rainfall for more than 24 hours

  2. Overflow of inland or tidal waters causing inundation

  3. A significant rise in water levels in artificial water bodies

  4. Localized pooling of water in urban areas

The correct answer is: Overflow of inland or tidal waters causing inundation

The National Flood Insurance Program (NFIP) defines a flood as an overflow of inland or tidal waters causing inundation of normally dry land areas. This means that the water must come from a natural water source, such as a river, lake, or ocean, and cover typically dry land. Options A, C, and D do not meet this definition as they involve different types of water sources and do not mention the inundation of dry land. This definition is important because it helps determine eligibility for flood insurance coverage and can impact floodplain management and building code requirements.

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