American Institute of Certified Planners (AICP) Practice Exam

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What does a flood insurance rate map indicate?

Areas with a 1% or greater chance of flooding
Areas that have never flooded
High-risk flood zones only
Areas safe for construction

The correct answer is: Areas with a 1% or greater chance of flooding

A flood insurance rate map (FIRM) is a crucial tool in floodplain management, particularly associated with the National Flood Insurance Program (NFIP). It denotes areas that can expect a 1% or greater chance of flooding in any given year, commonly referred to as the "100-year floodplain." This mapping provides critical information for homeowners, developers, and planners, helping them understand where the potential for flooding exists and where flood insurance may be required. Recognizing this risk allows for better decision-making regarding land use, construction, and disaster preparedness. By understanding the indicated flood risk zones, stakeholders can implement appropriate mitigation strategies and ensure compliance with regulation requirements. The use of FIRMs is fundamental in urban planning process, especially in areas prone to flooding, to safeguard property and lives through informed planning choices.