What is a primary obligation of the NFIP related to floodplain management?

• A. Sell flood insurance to all residents
• B. Map high-risk flood areas
• C. Foster real estate development
• D. Provide free insurance coverage

Answer: (B)

The primary obligation of the National Flood Insurance Program (NFIP) related to floodplain management is to map high-risk flood areas. This responsibility stems from the NFIP's role in reducing the impact of flooding on communities and promoting effective floodplain management practices. The mapping of flood zones helps identify areas that are at greater risk of flooding, enabling local governments, residents, and businesses to make informed decisions regarding development and preparedness.

By producing accurate flood maps, the NFIP also facilitates insurance underwriting and helps communities implement floodplain management regulations, which are crucial for minimizing flood damage and enhancing public safety. Mapping high-risk areas encourages communities to engage in proactive planning and development that considers the risks associated with flooding, leading to better protection and resilience against future flood events.

In contrast, selling flood insurance is a part of the program but does not directly pertain to floodplain management. The NFIP does not foster real estate development; rather, it aims to manage it wisely in flood-prone areas. Lastly, providing free insurance coverage is not a function of the NFIP, as insurance is typically provided at a cost that reflects the risk involved.