How to Read a Flood Insurance Study Course Summary

This lesson helps you reviews the key points for each lesson before taking the course exam.

Lesson 0 presented the course objectives.

Participants will be able to:

  • Identify information contained in a Flood Insurance Study (FIS)
  • Explain what the information in a FIS means
  • Describe how to use the information in the FIS
Lesson 1: FIS Section 1 – Introduction Review

This lesson discussed the following topics:

  • A Flood Insurance Study (FIS) is a report prepared by FEMA that summarizes an analysis of the flood hazards in a community.
  • The study used to prepare a FIS is also used to prepare a flood map that shows the flood hazards areas in a community.
  • The general structure of a FIS has ten sections and supporting data.
  • FIS Section 1.0: Introduction, has three subsections.
    • 1.1 Purpose of Study identifies the communities involved and explains that flood risk data was developed to establish flood insurance zones and assist the communities in mitigating flood hazards.
    • 1.2 Authority and Acknowledgements identifies NFIP authority, the study contractors, contract numbers and the date work was completed for each contract.
    • 1.3 Coordination documents the Initial and Final Consultation and Coordination (CCO) meeting, identifies sources of information, and provides the dates the study was presented to the community and other stakeholders.
Lesson 3: FIS Section 2 – Area Studied Review

In this lesson we discussed the following topics:

  • Section 2.0 Area Studied, has four subsections:
    • 2.1 Scope of Study names streams and identifies if the method of study used, detailed or approximate.
    • 2.2 Community Description describes the location, climate, and many of the physical characteristics of the community.
    • 2.3 Principal Flood Problems includes historical data of major floods and identifies gage locations.
    • 2.4 Flood Protection Measures includes information about channelization projects, levees, dams, non-structural flood control measures, and flood control projects that do not provide protection to at least the 1% annual chance flood.
Lesson 3: FIS Section 3.0 Engineering Methods Review

In this lesson we discussed the following topics:

  • Hydrologic analyses study the amount of water and Hydraulic analyses study the flood height or elevation of water.
  • Newer FISs will contain hydraulic models with multiple frequencies: 10-percent (10 year), 4-percent (25 year), 2-percent (50 year), 1-percent (100 year), and 0.2-percent (500 year) annual chance exceedance events.
  • FIS Section 3.0 Engineering Methods has three Subsections.
    • 3.1 Riverine Hydrologic Analyses includes:
      • Sources of data (topographical maps, gage data, land use maps, and soil information)
      • Methods of analysis (drainage areas-discharge curves, gage data analysis, regression equations, and rainfall-runoff models)
      • Summaries of the drainage areas and peak discharges.
    • 3.2 Riverine Hydraulic Analyses includes:
      • Sources of data (cross sections, roughness coefficients, starting water surface elevations), and
      • Methodologies describe how the flood elevations and the various components were calculated.
Lesson 3: FIS Section 3.0 Engineering Methods Review (continued)

In this lesson we discussed the following topics:

  • FIS Section 3.0 Engineering Methods has three Subsections.
    • 3.1 & 3.2 Coastal Hydrologic and Hydraulic Analyses
      • Explains how the coastal flood hazard areas are determined.
      • Discusses factors involved in coastal Hydrologic and Hydraulic analysis (coastal storm surge analysis, wave setup analysis and overland wave modeling from wave runup).
      • Includes the Summary of Stillwater Elevations that reflects coastal hydrology.
    • 3.2 Coastal Hydraulic Analyses:
      • Discusses factors effecting wave setup, runup and height analysis.
      • Explains FEMA’s approach to storm erosion and effects of shoreline profiles.
      • Identifies the computer program(s) used during the study.
      • Explains how transects are used and the date surveyed.
    • 3.3 Vertical Datum identifies the specific vertical datum used so that users can ensure they don’t mix datum.
Lesson 4: FIS Section 4.0 Floodplain Management Applications Review

In this lesson we discussed the following topics:

  • Section 4.0 – Floodplain Management Applications has two sections.
    • 4.1 Floodplain Boundaries:
      • Explains that floodplain boundaries show the areas that would be inundated by a flood of a given frequency.
      • Indicates the scales, contour intervals or topographic accuracy, and dates of the topographic model or maps used to delineate the floodplain boundaries.
    • 4.2 Floodways:
      • Defines the floodway.
      • Explains how it is used for floodplain management.
      • Lists which streams have floodways.
      • Describes how floodways were determined.
Lesson 5: FIS Section 5.0 through Section 10.0 Review

In this lesson you learned:

  • Section 5.0 Insurance Applications explains that areas on Flood Maps are designated by zones based on the flood risk potential computed in the analysis and defines all the zones shown on the effective Flood Map.
  • Section 6.0 Flood Insurance Rate Map (FIRM) explains the purpose of the FIRM for flood insurance and floodplain management.
  • Section 7.0 Other Studies includes a list of previous FISs that are superseded by the publication of the new FIS.
  • Section 8.0 Location of Data identifies the location of the FEMA Regional Office and Community Map Repository.
  • Section 9.0 Bibliography and References lists references used in the FIS.
  • Section 10.0 Revisions, if included in the FIS, provides information on revisions to the FIS.
Lesson 6: FIS Supporting Data - Flood Profiles Review

In this lesson, you learned:

  • A flood profile is a graph of the flood elevations along the centerline of a stream.
  • The flood profiles in the FIS show the profiles for the 100-year flood event, and often show the profiles for the 10-, 25-, 50-, and 500-year flood events. These equate to the 10%, 4%, 2%, 1% and 0.2% annual probability events.
  • Other information shown on the flood profiles include:
    • Cross sections shown on the flood maps.
    • The elevation of the stream bed.
    • The location of stream crossings such as bridges and culverts along with other hydraulic structures like dams or weirs.
  • The flood profiles must be used to determine an accurate Base Flood Elevation (BFE) for a location in a riverine floodplain.
Lesson 7 Summary

You have completed Lesson 7.

You can go back and review any portion of the course or continue to the course exam.