Course Description

3-Hour Flood Insurance (NFIP) CE Course – Missouri

Approved by the Missouri Department of Commerce and Insurance | Provider #48205 | Course ID: 17011223 ✅
Only $15.99 | No Added Fees | Instant Certificate | 100% Online & Self-Paced
Important: We do not charge Missouri’s $1.00 per CE hour SBS reporting fee separately (that’s a $3.00 value for a 3-hour course). It’s included in the $15.99 price. ✅

Stay compliant and sharpen your flood insurance knowledge with this Missouri-approved 3-hour Flood Insurance (NFIP) continuing education course. Designed for busy insurance professionals, this course is 100% online and self-paced, so you can log in and out anytime without losing your place. Finish on your schedule, download your instant certificate of completion, and we’ll report your credits within 24 hours.

Flood insurance is full of technical details—zones, forms, underwriting data, claims timelines, and compliance rules. This course helps you explain coverage clearly, document files correctly, and reduce E&O risk while serving homeowners, condo unit owners, landlords, and small businesses.

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✅ Who Should Take This Course?

✅ Missouri Property & Casualty producers and Personal Lines agents
✅ Producers who quote, sell, or service NFIP flood policies
✅ Agents working with lender-required flood scenarios and escrow/mortgage compliance
✅ Producers who want better confidence with Risk Rating 2.0, coverage limits, and claims documentation
✅ Anyone looking to reduce complaints and strengthen client communication

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✅ Missouri Insurance CE & Renewal Requirements (What to Know)

✅ Total CE required (resident producers): 16 hours each 2-year renewal period
✅ Ethics requirement: At least 3 hours must be insurance ethics (included within the 16 hours)
✅ Renewal deadline: Producer licenses renew biennially on your birth date
✅ Renewal window: Renewal typically opens 90 days before your license expiration date

This 3-hour flood course counts toward your 16-hour total (it does not replace the required ethics hours unless the course is specifically approved as ethics).

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✅ How to Renew Your Missouri Insurance License (Step-by-Step)

✅ Step 1: Confirm your renewal deadline
Missouri renewals are due every two years on your birth date.

✅ Step 2: Plan your CE hours early
Complete 16 total hours (including 3 hours of ethics) before your renewal deadline.

✅ Step 3: Take your CE online (self-paced)
Start anytime, pause anytime, and pick up right where you left off.

✅ Step 4: Get your instant certificate
Download your certificate immediately after completion for your records.

✅ Step 5: We report credits within 24 hours ✅
Your CE completion is reported promptly after you finish.

✅ Step 6: Renew your license during the renewal window
Submit your renewal on time to avoid delays or late fees.

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✅ Topics Covered in This Course (3 Hours)

Hour 1: NFIP Foundations, Compliance, and Core Concepts (50 minutes)

✅ Define the NFIP’s purpose, federal authority, and how FEMA, insurers, and communities coordinate to reduce flood losses
✅ Explain community participation, floodplain management ordinances, and how CRS incentives encourage mitigation and resiliency
✅ Clarify flood zone designations (A, AE, AO, AH, V, VE, X), SFHAs, BFEs, and the role of Elevation Certificates in compliance and pricing
✅ Distinguish the three SFIP forms (Dwelling, General Property, RCBAP) and identify when each applies to residential, commercial, and condo risks
✅ Outline mandatory purchase rules tied to federally related loans, lender enforcement, minimum required limits, and force-placement triggers
✅ Summarize producer responsibilities: disclosures, suitability documentation, advertising accuracy, anti-rebating, and audit-ready recordkeeping

Hour 2: Risk Rating 2.0, Underwriting, and Policy Mechanics (50 minutes)

✅ Describe Risk Rating 2.0 variables (flood frequency, distance to water, first-floor height, foundation, occupancy) and their effect on premium
✅ Identify required underwriting data (year built, construction, foundation/enclosures, number of floors, machinery location) and methods to validate it
✅ Differentiate building vs. contents coverage, coverage limits, ICC, deductibles, waiting periods, and common exclusions including basement limitations
✅ Explain RC vs. ACV valuation, primary vs. non-primary residence rating, and treatment of basements, crawlspaces, and elevated enclosures
✅ Discuss endorsements, cancellations, refunds, policy transfers/assumptions at sale, and coordination with private primary or surplus/excess flood
✅ Apply lender and condo scenarios (RCBAP vs. HO-6/unit-owner), small-business considerations, and coverage layering with excess flood solutions

Hour 3: Claims, Mitigation, Mapping Changes, and Ethical Practice (50 minutes)

✅ Walk through the claims lifecycle: prompt notice of loss, adjuster inspection, Proof of Loss timelines, appeals, and documentation best practices
✅ Address substantial damage/improvement determinations, ICC claims for mitigation, and coordinating repairs with local officials and codes
✅ Interpret map revisions (LOMA/LOMR-F), newly mapped property rules, and right-sizing coverage when zones or BFEs change
✅ Recommend mitigation strategies (elevation, compliant flood openings, utilities relocation) and explain premium impacts under Risk Rating 2.0
✅ Emphasize ethical sales practices: clear communication of limits/exclusions, avoiding overpromises, supporting vulnerable clients, and COI management
✅ Reduce E&O exposure with checklists, gap/declination notices, accurate applications, and durable records that withstand regulatory review

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✅ Why Choose 1st Choice CE?

✅ Approved in Missouri (Provider #48205 | Course ID: 17011223)
✅ Only $15.99 — no added or extra fees
✅ We do not charge the $1.00/CE hour SBS reporting fee separately (included)
✅ 100% Online and Mobile Friendly
✅ Self-Paced Access — log in/out anytime without losing progress
✅ Instant Certificate of Completion
✅ Credits Reported Within 24 Hours
✅ Money-Back Guarantee
✅ Over 10 Years of Trusted CE Service
✅ Support by Phone or Text — 1-800-698-2770

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✅ Need More Missouri CE Hours?

✅ 3 Hour Ethics for Insurance Agents – Missouri
✅ 4-Hour Annuity Best Interest/Suitability – Missouri
✅ 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – Missouri

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Enroll Now – Just $15.99 ✅

Course Details

• Approved by the Missouri Department of Commerce and Insurance
• Approved Provider #48205
• Approved Course #17011223
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.