3-Hour Flood Insurance (NFIP) - Arizona

✅ Approved by Arizona Department of Insurance and Financial Institutions | Provider #500032084 | Course #6000223539 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 3 approved continuing education hours toward your Arizona insurance producer renewal with an online course approved by the Arizona Department of Insurance and Financial Institutions, for only $15.99. The course is fully online and self-paced, so you can enroll and work through it on your own schedule.

Log in and out as often as you like without losing your progress. When you finish, your certificate is emailed to you immediately, and 1st Choice CE reports approved completions to Arizona. Every course is backed by our money-back guarantee, and support is available by phone or text at 1-800-698-2770.

✅ Course Details

• Course Name: 3-Hour Flood Insurance (NFIP) - Arizona
• Approved By: Arizona Department of Insurance and Financial Institutions
• Provider Number: 500032084
• Course Number: 6000223539
• Course Length: 3 credit hours
• Course Category: Property And Casualty
• Course Format: 100% online, self-paced
• Price: $15.99
• Certificate: Emailed immediately upon completion
• Reporting: 1st Choice CE reports approved completions to Arizona
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• Arizona licensed resident insurance producers renewing a license with property and casualty authority
• Producers who write or service National Flood Insurance Program policies
• Agents who need 3 approved hours toward the 48-hour Arizona requirement
• Producers responding to a state flood or NFIP training mandate
• Personal lines agents handling homeowner accounts in mapped flood zones
• Agency staff who quote, bind or service flood policies and want to reduce E&O exposure

✅ Does This Course Satisfy the State Requirement?

This course provides 3 approved credit hours toward the 48-hour Arizona continuing education requirement. It does not by itself satisfy the full renewal requirement, and it does not satisfy the 6-hour ethics requirement. Arizona requires 48 hours over a four-year license period — substantially more than most states — so plan the full period rather than assuming a 24-hour cycle.

✅ Arizona Continuing Education Requirements

Arizona is the outlier among producer CE states, and getting the math wrong is expensive. Arizona licenses run on a four-year cycle rather than the usual two, and A.R.S. § 20-2902 requires at least 48 credit hours, including at least 6 credit hours of ethics training, for each license period. That is roughly double what a producer in a neighboring state completes, so agents who plan on a two-year rhythm routinely arrive at renewal short. Arizona also treats its ethics minimum as 6 hours, not 3, and courses may not simply be repeated to fill the total.

• 48 credit hours of Arizona-approved continuing education per four-year license period
• At least 6 of those hours must be ethics training — double the 3-hour minimum most states use
• The license period is four years: individual licenses expire on the last day of the licensee's birth month, three to four years after issuance or renewal
• Renewal requires evidence of CE compliance along with the application and the quadrennial fee
• A license that lapses may be renewed within one year by paying the quadrennial fee plus a $100 late fee; after that it is treated as a new application
• Producers continuously licensed in Arizona since January 1, 1995 who have never held a non-resident license and have never been disciplined are exempt from the CE requirement

How this course helps: This 3-hour course provides 3 approved credit hours toward the 48 hours Arizona requires for each four-year license period. It applies as general credit and does not satisfy the separate 6-hour ethics requirement, so at least 45 additional hours — including your 6 ethics hours — must be completed separately.

✅ When Do Licensees Renew?

Arizona insurance producer licenses expire quadrennially. For an individual, the license expires on the last day of the licensee's birth month, between three and four years after the license was issued or last renewed; business entity licenses expire exactly four years after issuance or renewal. To renew before expiration you submit the renewal application, the prescribed fee, and evidence that you have complied with the continuing education requirement. If the license does expire, you have one year to renew by paying the quadrennial fee plus a $100 late fee — after that window an application is treated as a new license rather than a renewal.

✅ How to Renew Your License

Step 1: Confirm your expiration date and count your period correctly

Arizona licenses expire quadrennially on the last day of your birth month. Work out the full four-year window, not a two-year one.

Step 2: Check your posted hours against 48, including 6 ethics

Pull your CE record and compare it to the full 48-hour requirement. This is where most Arizona producers discover a gap.

Step 3: Fill the ethics gap first

Arizona requires 6 ethics hours, not 3. Ethics-approved courses are the constraint most likely to be short, so book them early.

Step 4: Complete the remaining general hours

Finish the balance of the 48 hours with Arizona-approved courses. Courses may not simply be repeated to pad the total.

Step 5: Allow reporting time before you renew

Give the provider time to report and the record time to update before you submit the renewal application.

Step 6: Submit the renewal application and pay the quadrennial fee

Renew before the expiration date, providing evidence of CE compliance with the application and fee.

Step 7: Verify the license is active and save your certificates

Confirm the record shows an active license with a new expiration date, and keep your certificates on file.

✅ What You Will Learn

• How the NFIP is structured, who participates, and what community participation means
• How to read flood zone designations and the three Standard Flood Insurance Policy forms
• When the mandatory purchase requirement applies to a federally backed loan
• How Risk Rating 2.0 prices a policy and which data points drive the premium
• Building versus contents coverage, replacement cost versus actual cash value, and key limits
• The flood claims lifecycle, substantial damage determinations, and mitigation options

✅ Course Content Overview

Hour 1 – NFIP Foundations, Compliance and Core Concepts

The NFIP's purpose and federal authority, community participation and floodplain management ordinances, flood zone designations, the three Standard Flood Insurance Policy forms, mandatory purchase rules for federally backed loans, and producer disclosure responsibilities.

Hour 2 – Risk Rating 2.0, Underwriting and Policy Mechanics

Risk Rating 2.0 rating variables and the underwriting data they require, building versus contents coverage, replacement cost versus actual cash value, endorsements, cancellations, refunds, policy transfers at property sale, and lender and condominium scenarios.

Hour 3 – Claims, Mitigation, Mapping Changes and Ethical Practice

The claims lifecycle from notice of loss forward, substantial damage and substantial improvement determinations, interpreting map revisions, recommending mitigation strategies, and ethical sales practices that communicate limits and exclusions clearly to reduce errors and omissions exposure.

✅ Other Related Courses

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• 8 Hours Initial Long-Term Care Insurance Partnership Training - Arizona – $29.99
• 5 HRs Life Insurance Products and Retirement Planning - Arizona – $15.99
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✅ Why Choose 1st Choice CE?

• Approved by the Arizona Department of Insurance and Financial Institutions — provider #500032084
• Affordable at $15.99 with no hidden fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate the moment you finish
• We report approved completions to Arizona
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 3-Hour Flood Insurance (NFIP) - Arizona today for $15.99. The course is fully online and self-paced, your certificate is emailed the moment you finish, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.