3-Hour Flood Insurance (NFIP) - Tennessee

✅ Approved by Tennessee Department of Commerce and Insurance | Provider #500032204 | Course #6000207039 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 3 approved hours toward your Tennessee insurance license continuing education with a course approved by the Tennessee Department of Commerce and Insurance for only $19.99. The hours apply to your 24-hour, two-year requirement and the course is approved in the Property & Casualty category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion electronically, as Tennessee requires providers to do within 30 days.

✅ Course Details

• Course name: 3-Hour Flood Insurance (NFIP)
• Approved by: Tennessee Department of Commerce and Insurance
• Provider number: 500032204
• Course number: 6000207039
• Course length: 3 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $19.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion electronically, as Tennessee requires providers to do within 30 days
• Page URL: https://1stchoice-ce.com/courses/checkout/tennessee/3-hour-flood-insurance-nfip-tennessee/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Property and casualty agents and personal lines producers
• Agents writing homeowners business in or near a mapped flood zone
• Producers who must satisfy a mandated flood training requirement
• Agents who advise clients on lender-required flood coverage
• Commercial lines producers writing property in flood-exposed areas
• Agents fielding questions about why a homeowners policy did not pay for flood

✅ Does This Course Satisfy the State Requirement?

This course provides 3 approved hours toward the 24 credit hours a Tennessee producer must complete every two years. This is a 3-hour National Flood Insurance Program course. Where you are required to complete NFIP training in order to write flood business, this is the course that covers it. It is general credit toward your state total, so it does not satisfy the separate 3 hours with a course concentration in ethics. It does not satisfy the whole requirement on its own.

Tennessee treats an approved self-study course as worth the same number of hours as classroom instruction and sets no cap on self-study, so all of these hours count in full. Up to 12 excess hours carry into the next period, but ethics hours never carry over. If you hold property and casualty authority, the one-time 3-hour flood course is a separate mandated subject.

✅ Tennessee Continuing Education Requirements

Tennessee requires 24 credit hours of approved continuing education every two years following the last day of the producer's birth month, under Rule 0780-01-56-.08 and Tenn. Code Ann. § 56-6-107(c). Three of those hours must have a course concentration in ethics. The 24-hour total does not change with the number of lines you hold - a producer with both Life & Health and Property & Casualty authority still completes 24, not 48. Holding more lines changes which mandated subjects apply, not the total.

• 24 credit hours in every two-year continuing education period
• 3 of the 24 must be in a TDCI-approved course with a concentration in ethics
• One-time 3-hour flood insurance course for resident property and casualty producers, which counts toward the 24 for one period
• 24 hours is the total no matter how many lines of authority you hold
• No cap on self-study or online hours - all 24 may be completed online
• Up to 12 excess hours carry over to the next period, but ethics hours never carry over

Tennessee treats an approved self-study course as worth the same number of hours as classroom instruction, and sets no cap on self-study or online hours, so the full 24 may be completed online. A producer may carry a maximum of 12 excess hours into the next period, but carryover never applies to the ethics hours - those must be earned fresh every period. The same course cannot be repeated for credit within two years. Resident property and casualty producers have a one-time 3-hour flood insurance requirement that counts toward the 24 for one period. A producer continuously licensed in Tennessee since January 1, 1994 is exempt from continuing education altogether. Nonresident producers satisfy Tennessee by meeting their home state's requirement where that state reciprocates.

How this course helps: This 3-hour course contributes 3 of the 24 credit hours a Tennessee producer must complete every two years. It is approved in the Property & Casualty category. This is a 3-hour National Flood Insurance Program course. Where you are required to complete NFIP training in order to write flood business, this is the course that covers it. It is general credit toward your state total, so it does not satisfy the separate 3 hours with a course concentration in ethics. It does not complete the renewal on its own.

✅ When Do Licensees Renew?

Tennessee producer licences run 24 months from the last day of your birth month, and you renew on or before the end of your birth month every other year. The continuing education deadline and the licence expiration date are the same day. Tennessee emails a renewal notice to your business email about 90 days out.

✅ How to Renew Your Tennessee License

1. Confirm your expiration date and lines of authority. Your licence runs 24 months from the last day of your birth month.
2. Work out which mandated subjects apply. Everyone needs 3 ethics hours. Property and casualty producers also need the one-time 3-hour flood course if they have not already taken it.
3. Complete all 24 hours before the end of your birth month in your renewal year.
4. Finish early. Providers have up to 30 days to report electronically, and the state system takes roughly another 72 hours to sync, so a course finished in the last week of your birth month can block your renewal even though you completed it on time.
5. Check your education transcript in State Based Systems and confirm the ethics hours posted with the ethics concentration.
6. Renew online at NIPR.com. The renewal window opens 90 days before expiration, and NIPR will not accept the application until your CE shows as compliant.
7. Pay the $60 biennial renewal fee, then confirm your licence shows active with an updated expiration date. Keep your original completion certificates for two years, as the rule requires.

There is no grace period. The licence expires at the end of your birth month. A renewal fee received after the due date carries a penalty of double the unpaid fee. You may reinstate the same licence within 12 months of the due date without retaking the written examination, but after 12 months you must apply as a new applicant and satisfy every initial licensing requirement again, including the exam.

✅ What You Will Learn

• Explain what the NFIP covers and what it excludes, and why a homeowners policy does not cover flood
• Read a Flood Insurance Rate Map and interpret a flood zone determination
• Apply the building and contents coverage limits and the separate deductibles correctly
• Explain the 30-day waiting period and the exceptions to it before a client is caught by it
• Describe how Risk Rating 2.0 changed premium calculation and what an elevation certificate is still used for
• Compare an NFIP policy with private flood coverage and identify when each fits

✅ Course Content Overview

Hour 1: Why flood is excluded from standard property policies and how the National Flood Insurance Program came to fill the gap. The hour covers the definition of flood, what the NFIP will and will not pay for, the Standard Flood Insurance Policy forms for dwellings, general property and residential condominium associations, and who is eligible to buy coverage through a participating community.

Hour 2: Zones, maps and rating: reading a Flood Insurance Rate Map, Special Flood Hazard Areas and the zone designations, flood zone determinations and what to do when a client disputes one, elevation certificates and what they are still used for, and how Risk Rating 2.0 changed the way premium is calculated. The hour also covers the mandatory purchase requirement for federally backed loans.

Hour 3: Coverage in practice and at claim time: building and contents limits, the separate deductibles, what basements and below-grade areas do and do not get, actual cash value versus replacement cost, the 30-day waiting period and its exceptions, Increased Cost of Compliance, and how a flood claim is adjusted and proven. The hour closes on the private flood market and how to compare it with an NFIP policy.

✅ Other Tennessee Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - Tennessee – $19.99
• 4-Hour Annuity Best Interest and Suitability - Tennessee – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Tennessee – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Tennessee – $39.99
• 5 HRs Life Insurance Products and Retirement Planning - Tennessee – $19.99
• 4 HRs Medicare Advantage and Part D Update - Tennessee – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Tennessee – $19.99
• 3 HRs Emerging Risks and Specialty Coverages - Tennessee – $19.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Tennessee
• Affordable at $19.99
• 100%% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• 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) for $19.99 and complete your 3 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.