ANFI Study Quiz

The community must be designated as participating in the NFIP by FEMA. To be eligible, a community must adopt a floodplain management ordinance that meets or exceeds the minimum NFIP criteria and have a Flood Insurance Rate Map (FIRM) or a Flood Hazard Boundary Map (FHBM) for the community to participate in the NFIP.

The community must inquire formally with FEMA through certified mail. To be eligible, a community may adopt a floodplain management ordinance that meets or exceeds the minimum NFIP criteria and have a Flood Insurance Rate Map (FIRM) or a Flood Hazard Boundary Map (FHBM) for the community to participate in the NFIP.

The community must be within 5 miles of the nearest body of water with no history of prior flooding. All of the insured building also have to at or above the BFE.

The community must be designated as participating in the NFIP by the local city planner. To be eligible, a community should adopt a floodplain management ordinance that meets or exceeds the minimum NFIP criteria and have a Flood Insurance Rate Map (FIRM) or a Flood Hazard Boundary Map (FHBM) for the community to participate in the NFIP.

The Emergency Program represents the initial phase of a community’s participation in the NFIP in which limited amounts of coverage are available.

The Emergency Program is applied whenever there is a flood that that covers 2 or more properties.

The Emergency Program is applied when a "State of Emergency" is declared by the State Governor during mass flood event involving the HVHZ.

The Emergency Program represents the initial phase of a community’s participation in the NFIP in which the full amount of coverage is available due to the extent of flooding.

The Regular Program is the fnal phase of a community’s participation in the NFIP. In this phase, the completed FIRM is in effect and full coverage limits are available.

The Regular Program is one that does not afford coverages for ALE and LOU. The Regular Program rate is also preserved for a period of 1 policy term.

The Regular Program was enacted to ensure that common building materials and techniques are used when estimating losses in Zones AE and V.

Originally, the Regular Program was created in 1999 and was popularized by a performer who was "Formally known as a symbol".

The Regular Program is the first phase of a community’s participation in the NFIP. In this phase, the completed FIRM is in effect and full coverage limits are available.

NFIP food insurance is available on land owned by the Federal Government when the local community meets the floodplain management requirements.

NFIP food insurance is not available on land owned by the Federal Government. The Government properties are self insured and do not qualify for FEMA.

Yes, the NFIP underwrites all federal land under a local community number even if that local community has jurisdiction.

Yes, and is available for Government Buildings that employ personal only. These building must meet strict building requirements including waterproofing and break away walls.

A $50 Probation Surcharge to all policies except (GFIP's) in the community, issued on or after the probation effective date.

A $100 Probation Surcharge to all policies except (GFIP's) in the community, issued on or after the probation effective date.

A $200 Probation Surcharge to all policies except (GFIP's) in the community, issued on or after the probation effective date.

A $250 Probation Surcharge to all policies in the community, issued on or after the probation effective date.

Non Participating Community

Suspended NFIP Community

Neglected Flood Community

District Map Community

The NFIP may not renew a policy while the community is suspended.

Insurers must cancel any policies issued in error or any policy renewed after the date of a community suspension.

To obtain coverage after the NFIP reinstates a community, property owners should contact their agent or insurer to submit a new application.

Insurers must use the applicable waiting period required to obtain coverage.

Insurers must pay out ACV only on losses while community suspended.

Flood insurance may not be available in the Coastal Barrier Resources System and Otherwise Protected Areas.

Flood insurance is always available in the (CBRS) and (OPA's) due to coastal preservation efforts.

Flood insurance is a right in any (CBRS) and (OPA's) no matter where you live.

Flood insurance is available in the Coastal Barrier Resources System and Otherwise Protected Areas of historic value only.

Has two or more outside rigid walls with a fully secured roof;

Resists flotation, collapse, and lateral movement; and

Has at least 51 percent of the Actual Cash Value (ACV) of the building, including machinery and equipment that are a part of the building, above ground level unless the lowest level of the affixed structure is at or above the Base Flood Elevation (BFE) and is below ground using earth as insulation material in conjunction with energy-efficient building techniques.

Is completely over water and was substantially improved by 1983 to meet more stringent building codes.

5%

10%

15%

20%

Hotel or motel with normal guest occupancy of less than 6 months;

Licensed bed-and-breakfast inn;

Retail shop, restaurant, or other business

Mercantile building

Grain bin, silo, or other farm building

Agricultural or industrial processing facility

Single family home

Warehouse

Poolhouse, clubhouse, or other recreational building

House of worship

Single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area;

2–4 family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area;

Dwelling unit in residential condominium building

Residential townhouse/rowhouse

Personal contents in a non-residential building

Commercial warehouse

Dormitory

The Dwelling Form is Issued to homeowner, residential renters, or owner of residential building containing 1 to 4 units.

The Dwelling Form is issued by underwriting to ensure the structure meets the checklist of requirements to join a flood community.

ALE is available under the Dwelling Form for a period not to exceed 30 days.

Dwelling form can be used in some instances to cover a residential condominium building with a homeowners association.

Apartment building;

Residential cooperative building;

Dormitory;

Assisted-living facility;

Hotels, motels, tourist homes, and rooming houses that have more than 4 units where the normal guest occupancy is 6 months or more.

Single family home.

25%

50%

75%

100%