3-Hour Flood Insurance (NFIP) - North Carolina

3-Hour Flood Insurance – North Carolina

✅ Approved by North Carolina Department of Insurance (NCDOI)
Course ID: 222487 | Provider #: 10033461

Price: $21.99 — No added fees
Includes the $6.00 North Carolina filing fee (we absorb it)

This 3-hour Flood Insurance CE course is 100% online and self-paced, designed for North Carolina insurance licensees who need approved continuing education. Complete the course on your schedule, log in and out anytime, receive your instant certificate of completion, and we’ll report your credits to the state within 24 hours.

Who Should Take This Course?

This course is designed for North Carolina insurance professionals, including:

✅ Property & Casualty Insurance Agents
✅ Flood Insurance Producers
✅ Insurance Adjusters
✅ Agency Owners and Staff involved in flood coverage

North Carolina CE & Renewal — What to Know (Important)

North Carolina insurance licensees must complete 24 total CE hours every 2-year license renewal cycle.

Important CE rules include:
✅ At least 3 hours must be Ethics
✅ Remaining hours may include approved subject-matter courses such as Flood Insurance
✅ CE must be completed before your license expiration date
✅ Credits must be reported by an approved provider to NCDOI

This course counts toward your approved subject-matter CE hours.

How to Renew Your North Carolina Insurance License (Step-by-Step)

1. Confirm your total CE hour requirements for your license type
2. Enroll in this 3-Hour Flood Insurance course
3. Complete the course online at your own pace
4. Receive your instant certificate of completion
5. We report your CE credits within 24 hours to NCDOI
6. Verify your credits are posted
7. Complete your standard license renewal process

What You’ll Learn — Course Outline

Hour 1: NFIP Foundations, Compliance, and Core Concepts

✅ Purpose and federal authority of the NFIP
✅ Roles of FEMA, insurers, and communities in flood mitigation
✅ Flood zones (A, AE, AO, AH, V, VE, X), SFHAs, BFEs, and elevation certificates
✅ Standard Flood Insurance Policy forms (Dwelling, General Property, RCBAP)
✅ Mandatory purchase rules and lender enforcement
✅ Producer responsibilities, disclosures, and documentation standards

Hour 2: Risk Rating 2.0, Underwriting, and Policy Mechanics

✅ Risk Rating 2.0 variables and premium impact
✅ Required underwriting data and validation
✅ Building vs. contents coverage, limits, deductibles, and exclusions
✅ Replacement Cost vs. ACV and treatment of basements
✅ Endorsements, cancellations, refunds, and policy transfers
✅ Condo, lender, and small-business flood scenarios

Hour 3: Claims, Mitigation, Mapping Changes, and Ethics

✅ Flood claims process and Proof of Loss requirements
✅ ICC claims and coordination with local officials
✅ Map revisions, LOMA/LOMR-F, and coverage adjustments
✅ Mitigation strategies and premium impacts
✅ Ethical sales practices and client communication
✅ Reducing E&O exposure through documentation and compliance

Why Choose 1st Choice CE?

✅ Instant certificate of completion
✅ Log in/out anytime without losing progress
✅ We report credits within 24 hours
✅ Money-back guarantee
✅ Trusted CE provider for 10+ years
✅ Friendly support by call or text: 1-800-698-2770

FAQ

Is this course approved in North Carolina?
Yes. It is approved by the North Carolina Department of Insurance (NCDOI).

How many CE hours is this course?
This course provides 3 CE hours.

Are there any extra fees?
No. The $6.00 state filing fee is included in the price.

Do I get my certificate right away?
Yes. You receive an instant certificate upon completion.

How fast do you report my credits?
We report credits to NCDOI within 24 hours.

Can I log out and return later?
Yes. You can log in and out anytime without losing progress.

Is this course self-paced?
Yes. Complete it on your schedule, 100% online.

What if I need help?
Call or text 1-800-698-2770 for support.

What if I’m not satisfied?
We offer a money-back guarantee.