Which organization issues Flood Insurance Risk Map (FIRM)?

• A. NFIP
• B. Local governments
• C. FEMA
• D. Private insurers

Answer: (C)

Flood Insurance Rate Maps are official flood hazard maps developed and maintained by the Federal Emergency Management Agency. They show flood zones, base flood elevations, and floodways, and are used to determine flood insurance requirements under the National Flood Insurance Program. FEMA is responsible for creating and updating these maps, often with data from local and state partners. The NFIP uses the FIRM to set insurance rules, local governments rely on it for permitting and zoning, and private insurers do not issue the maps themselves.