Coastal and Floodplain Construction Inspector's Practice Exam

Adding freeboard benefits a structure built in the flood hazard area because it reduces damage and _____?

1. increases construction costs

2. lowers flood insurance premiums

3. improves aesthetic value

4. decreases property value

The correct answer is: lowers flood insurance premiums

Adding freeboard to a structure in a flood hazard area is an effective way to enhance its resilience against flood events. Freeboard refers to the additional height of a building's lowest floor above the base flood elevation (BFE). This extra height helps ensure that floodwaters are less likely to enter the structure, significantly reducing the risk of water damage during a flood. One key benefit of having freeboard is that it can lead to lower flood insurance premiums. Insurance providers often consider the level of risk associated with a property when determining premium rates. Structures with freeboard are viewed as being at a lower risk for flooding because they are elevated above potentially expected flood levels. As a result, homeowners may qualify for reduced insurance costs, making this feature not only a protective measure but also a financially advantageous investment. While adding freeboard may involve some initial costs for construction, the long-term benefits, including potential savings on insurance premiums, typically outweigh these upfront expenses. Thus, homeowners and builders are encouraged to consider freeboard as part of floodplain management practices not only for structural safety but also for economic reasons.